BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-12
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
It's EXPERIAN again, I reached out to XXXX XXXX XXXX regarding the Charge-off account and the Stature of Limitation of the XXXX Loan. XXXX XXXX XXXX send me a copy of the yhe entire payment history of the XXXX Loan which identified the amount of the loan from XXXX XXXX XX/XX/XXXX never changed. Experian on my last credit report I received in XXXX stated the amount of the monthly payment was reduce from the original monthly payment o {$400.00} to {$300.00} a month as of XX/XX/XXXX. Apparently Experian has decided to collect money for XXXX XXXX XXXX that XXXX has no authority to ask Experian to do according to the on going investigation being conducted by the California XXXX Attorney General XXXX XXXX XXXX. I asked the State Attorney General to investigate possible Fraud by Experian, since the Corporate office is located in XXXX XXXX, California. XXXX XXXX XXXX has denied asking Experian to collect money for them as a Collection Agency. XXXX has stated to me that the original loan was never re-finance for the monthly payments to be lowered from {$400.00} to {$300.00} as of XX/XX/XXXX. XXXX XXXX has stated if asked by the California State Attorney Genera Office has Experian ever been told to collect money, it will be denied by XXXX XXXX XXXX is responsible for selling the loan to a collection Agency and Experian is not a Collection Agency. I will know within the next 45 days what the outcome will be on the California State Attorney General decision. Since I have received the entire payment history from XXXX, I can proceed with legal action against Experian since their is no Collection Agency been assigned by XXXX to collect on a Closed Charge-off account Stature of Limitation has expired XXXX XXXX XXXX reported the loan as Charged-off and account closed. XXXX and XXXX has already removed he Charge-off from mu Credit File. According to XXXX XXXX XXXX has never asked Experian t to keep the account on my credit file beyond the 7 year Stature of Limitation which is against FCRA Policy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to XXXX XXXX 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
i received a hard inquiry on my credit report from Transunion.this was from XXXX XXXX XXXX.I monitor my credit through XXXX XXXX.Trying to improve my credit XXXX XXXX recommended an offer to recieve a cc from them the odds were good.I did not because of there interest rate.Not a week later i get this inquiry and my score drops quite a bit.I contacted XXXX XXXX no help.I called XXXX XXXX today XX/XX/19 was told they cant do anything but told me they have no record of me applying for credit with them.Called Transunion XX/XX/19 said nothing they can do i should contact XXXX XXXX.Back and forth.Now i guess i will have to send for the forms to dispute it wait do all that and then wait 45 days for a response.They admit i never submitted any document for credit with them XXXX XXXX.Then i dont understand when i did not accept the offer to apply for this card under recommrndation from XXXX XXXX a week later i get this hard inquiry that they should not have done

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I use to have an account with care credit and it was closed due to non activity. 

I just recently re-applied for an emergency and I got pre approved for {$2000.00} I had to use this website link to verify my identify and it had me take a picture of my barcode. I dont have the best camera In the world and I dont know why they have such a horrible system in place but I wasnt able to get the barcode to read with the system and they denied my application because of that. 

I wasnt provided an alternative method of verifying. So the letter is lying. 


I wasnt giving any information on how to move forward and this is annoying and a silly process because what if a person doesnt have a cell phone? What if a person doesnt have a camera. There should be other ways to verify someone besides the method I was given. 

I need this application to go through and this is important to get an understanding of how to move forward.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX companies Places hard inquires on my credit report on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Equifax is reporting an auto loan I paid off in XX/XX/XXXX as being over 60 days delinquent in XXXX XXXX Originally, it was reporting as being delinquent in XXXX XXXX I disputed it and Equifax changed it to XX/XX/XXXX which is an error, but the statute of limitations would remove it. 

However, today the loan is being reported as being 60 days delinquent 12 months after the loan was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Express Recovery Services, Inc.
State: WY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In regards to Complaint XXXX, Express Recovery states that they sent a deletion request, however, both are marked " Draft '' clearly and the item is showing on my credit report. Express Recovery has had multiple opportunities to solve this issue, but has continued to not follow through or have the item removed. This shows complete disregard to the law and their promise that it was going to be removed. I have again, attached the original complaint and the " Draft '' request from Express. This item needs deleted today and compensation given to me for their violation and cost of me not being able to obtain credit because of their not getting the item removed as promised and in a timely manner. 
A " draft '' is not a removal, nor is that sufficient proof that it has been removed. This companies legal counsel needs to take immediate action.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX Company : XXXX, Account # XXXX Company : XXXX, Account # XXXX Company : XXXX XXXX, Account # XXXX Company : XXXX XXXX XXXX, Account # XXXX Company : XXXX XXXX, Account # XXXX Company : XXXX, Account # XXXX Company : XXXX XXXX, Account # XXXX Company : XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX Company : XXXX XXXX, Account # XXXX Company : XXXX XXXX has violated my rights. 


15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent out method of verification to the company for a collection XXXX XXXX XXXX on my account twice and hadn't receive anything back from the bureaus. I'm constantly getting a generic verified update. 

Also requested method of verification for late payments for XXXX and didn't receive a response. Not showing late on other credit reports Lastly, I ask for method of verification for a charge off account for XXXX XXXX XXXX XXXX and hadn't got a response

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
on XX/XX/2017 we sent {$1200.00} to XXXX with the company " XXXX XXXX XXXX ''. the company charges us {$12.00} as a transfer fee so total for transaction was {$1300.00} usd. When we send money usually the person that picks up the money in XXXX has to sign for the money and show their ID. when my niece went to pick up and claim for the money the company told her that the money had already been picked up at a different city. ( same company but different city/branch ) how is this possible? my niece did not pick up the money from this company. complete scam fraud. this is not money that had been given to me as a gift, we have worked hard to save this money. how is it so easy for this company to just say, " it was delivered and signed for ''. we then opened a claim with XXXX and after waiting over a month they come back and said., it was picked up and they can't do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: DISCOVER BANK
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/2022 {$2.00} charge ( I DID NOT MAKE ) on inactive Discover card. 
Did not receive a bill. Did not receive an email or alert. Did not receive anything from Discover. Paid 2 months late- did not initially dispute since it was a small amount.

Credit score is now down over 100 points for missed payments on a Fraudulent {$2.00} charge. The only missed payments in my entire credit history. 
I contacted Discover. I received a written correspondence that there was nothing they would do. I contacted XXXX and XXXX refunded the fraudulent charge. I contacted Discover again to see if there was any way they could update my credit report. They said NO. I believe that my credit score should not be impacted by this fraudulent charge. The Discover agent told me to contact you. 

I do not believe that this incident at all reflects my true credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-22
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX Alleged account # XXXX The 3 Credit bureaus failed to properly investigate a dispute, so i filed an investigation directly with the collection agency in the form of a sworn testimony ( AFFIDAVIT ) to which they have responded ( attachment ) that they will request that the 3 major credit bureaus delete the tradeline of the referenced account. However, they have concluded that this may take up to 90 days, to which I am disputing needs to be removed  immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s )  that I have made. It is the result of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I mailed my FTC report and my license to XXXX, XXXX, and Transunion. I will be filing a civil suit against these companies. I have fraudulent accounts reporting on my consumer report illegally.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This letter is to request the CRA to remove inaccurate information from my credit report. 15 U.S.C. 1681e ( b ) provides : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. When examining statutory language, we generally give words their ordinary, contemporary, and common meaning. XXXX v. United States, 328 F.3d 132, 139 ( 4th Cir.  XXXX ) ( Citations omitted ). In accordance with its ordinary, contemporary, and common meaning, an investigation is a careful search ; detailed examination ; systemic inquiry. XXXX XXXX XXXX XXXX XXXX, p. 966 ( 2d ed. XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My father passed away on XX/XX/2022. I informed Citi of his passing by telephone on XX/XX/2022. Citi alleged they would contact me for further steps, but never did. I contacted Citi again and they requested a fax including a death certificate, living trust documents, and a letter of intent. I faxed all of the above to Citi on XX/XX/2022 and confirmed receipt on my end. I called the next day and confirmed they had received it. The letter of intent included instructions to close all accounts, including a checking account and a savings account. 

Citi sent me a letter on XX/XX/2022 alleging that they had " frozen '' my father 's checking account. On XX/XX/2022 Citi processed a withdrawal to a third party from the checking account despite their allegation that the account was closed. This amount was {$240.00}. 

On XX/XX/2022 Citi charged a {$4.00} service fee to my father 's savings account. 

It as now been a month since my father has died. Citi has not contacted me once to indicate they have taken any action. I have only received a form letter with a false statement that my father 's checking account was frozen. Citi is continuing to charge fees and process transactions for both his checking account and his savings account in violation of 4 CFR 4.405.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I feel as if I was in involved in deceptive practices with chase Bank credit cards. I reached out to chase on XX/XX/XXXX trying to find resolution to my account. My account fell behind due to loss of income then covid 19 happened! The first representative offered me a liquidation program. This consisted of me paying {$530.00} to bring my account up to date. Which was stated by the first representative. Then I spoke to another representative and they said that the information I received was inaccurate. Then I was told that if i pay {$530.00} and a monthly min payment of {$170.00} that it will not bring my account up to date that its just reducing the cycles I was behind. Then I received a letter correspondence saying that all I have to pay is {$170.00} to be entered into the program. I called back to discuss the letter then I was transferred to a credit specialist who states if I infact pay the {$530.00} that it will definitely be reported up to date on my credit report. Lastly I was transferred back to a young lady who stated that my account would not be up to date until i pay {$540.00} and complete 3 payments of {$170.00} at that point my account would be up to date! At this point I don't know what to believe I feel their is deceptive practices happening and I would like this account to be removed from my credit report all together!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: CCS Financial Services, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Sir or Maam : Pursuant to the Servicemembers Civil Relief Act ( SCRA ) 50 U.S.C. App. Section 527, this letter is my formal written request to remove this inaccurate information from my account. I am currently serving on XXXX XXXX with the XXXX XXXX XXXX XXXX. I entered XXXX XXXX on Date, which was after after the time this debt appeared on my credit report.. 
I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( XXXX ) by not placing the disclosure within the required 30-day period. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation