BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-15
Company: Experian Information Solutions Inc.
State: MS
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: Was not notified of investigation status or results

Complaint:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621
. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX   ACCOUNT NUMBER : 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 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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

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 2022-04-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, 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 fair credit reporting act has violated my rights. 

XXXX XXXX Unverified Account XXXXXXXX XXXX XXXXXXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account Dept of education XXXX  XXXX Unverified Account Dept of education XXXX  XXXX Unverified Account Dept of education XXXX XXXX Unverified Account Dept of education XXXX  XXXX Unverified Account US DEPT OF EDUCATION XXXX Unverified Account US DEPT OF EDUCATION XXXX Unverified Account US DEPT OF EDUCATION XXXX Unverified Account US DEPT OF EDUCATION XXXX Unverified Account XXXX XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX XXXXXXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXXXXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account Lease Term Solutions Unverified Account 15 u.s.c. 1681 section 602 A. states I have the right to privacy 15 u.s.c. 1681 section 604 a section2 : it also states a consumer reporting agency can not furnish a 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 2020-07-04
Company: Social Finance, Inc.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Executive Summary : SoFi unilaterially cancelled my debit card, after changing from Visa to Mastercard. After promising to provide a replacement, SoFi has failed, after four months and six requests via telephone, to provide a replacement card. 

Early in XXXX, SoFi informed me that it was changing from Visa to  Mastercard for SoFi debit cards, would be cancelling my SoFi Visa debit card, and sending me a SoFi Mastercard debit card to replace it. From memory, the Visa debit card was cancelled at the end of XXXX, XXXX. When SoFi cancelled the Visa card, I had not received the Mastercard replacement. As of today, XX/XX/XXXX, I have made six phone calls to SoFi customer service inquiring about the replacement. The next-to-last call, on XX/XX/XXXX, the representative informed me that although I had updated my address ( I moved from XXXX XXXX to XXXX XXXX at the end of XX/XX/XXXX, at which time I change changed my address using the SoFi app ), SoFi was still sending cards to my former address in XXXX   XXXX. After a phone call today, I have spent 3.1 hours addressing the situation. For a sixth time today, a telephone representative of SoFi promised to send my a new debit card to my XXXX address. As I have no confidence in SoFi 's competence to complete this task, I am escalating my complaint to the CFPB. In addition to demanding my card, I demand compensation of {$620.00} for the time I have spent addressing the issue. ( {$200.00} x 3.1 hours )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Wells fargo sent an employee XXXX XXXX to my house to offer a " free '' home equity loan. I told he I did not need a loan and she said it was " free. '' I said no and she returned with the local branch manager to convince me that " free '' couldn't hurt.

Several years later after no monthly or annual fees I tried to renegotiate my first mortgage due to falling interest rates and Wells fargo wanted {$500.00} to cancel my " free '' home equity loan. I believe this to e bait and switch and false advertising on their part. I want my {$500.00} back with interest and penalty

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 2019-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, 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 have requested Transunion, XXXX, and XXXX to send me proof of the method of verification used to report Bankruptcy on my credit ... These agencies knowingly provided false information and therefore are in violation of the Fair Credit Reporting Act. I will be attaching proof. Also, Originally when asked to verify the credit reporting agencies listed the furnisher as the court house. Then prior to the dispute, I requested in writing my XXXX XXXX profile be frozen. Following the investigation of the CFPB it was changed to XXXX XXXX as the furnishor ... After my account was frozen. XXXX County Court does not verify with 3rd parties. Violations below : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] 619. Obtaining information under false pretenses [ 15 U.S.C. 1681q ] Bankruptcy Courts should be the " Furnisher '' not third parties like 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 explanation
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 checked my credit report and noticed that I had accounts that are not mine so I have disputed them with the credit bureaus but the accounts are still there even though I have attached ftc report. I see no changes.

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 2022-10-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im  XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: AES/PHEAA
State: MD
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I filed for bankruptcy in XXXX under Chapter XXXX. My student loans through AES were listed as an unsecured debt. The Chapter XXXX Plan stated that no interest was to accrue on any debt, and that I was to make my monthly student loan payments to AES, outside the plan. AES admittedly refused my monthly payments, and put me in forbearance, at an 8 % interest rate. 

The final Trustees Report in XXXX stated, on page 1, item 10, that my student loans were discharged without payment, in the amount of {$84000.00}, because AES was to have accepted my monthly payments outside the Plan. AES failed to do this. AES received notice of the Trustees Report in XXXX, as well as the Discharge of Debtor Order. AES did not object or file a timely appeal. 

In XXXX, the United States Supreme Court held in United Student Aid Funds XXXX Inc. v. Espinosa, that an order of the bankruptcy court was enforceable, even if it was erroneous. In that case, the bankruptcy court listed the debtor 's student loans as discharged, and the creditor waited over a year to try to collect. The Court held the discharge order was enforceable since the creditor never objected or appealed. 

I have paid more than {$20000.00} to AES in the past few years, after the discharge. I would like that money back, with interest, and mu account considered paid in full. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
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 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 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-04-27
Company: Experian Information Solutions 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:
Please delete the following fraudulent accounts and inquiries from my credit reports. XXXX  XXXX XXXX XXXX- XXXX XXXX XXXX- XXXX XXXX XXXX The following inquiries are fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX . Every time I dispute this information it keeps coming back verified and I am requesting you provide me with your Metro 2 Five Points of Compliance and provide me a signed document with my signature for all of these accounts and address where the supposed accounts are from. I will be filing a lawsuit and hiring a lawyer If you do not delete these accounts off all of my credit reports.

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 2021-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
Several disputes have been submitted regarding these accounts since XXXX 2020. You can not validate a debt without following the proper validation. According to FCRA 15 USC 1692g, a debt must be validated within 30 days. Validation of a debt is an assess of action and the debt is not mine and it is not true. Also, according to 15 USC 1681 a ( e ) to validate a debt is to interview family, neighbors and associates of this debt who may have knowledge of this account but specific factual information does can not be mentioned.

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 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
15usc6508. per Per the FCRA as a federal protected consumer. I am now opting out of any and all authorizations. I the consumer my have given your written and Unwritten Verbal or non-verbal per 15usc6802.

Fair credit Reporting Act 1974 15usc1681, 15usc1681a, 15usc1611,15usc1602,16cfr 313.6, 16crf 313.7 ,15usc1681,17cfr424,5usc522a, hjr192,15usc15usc1692a,15usc1692 ( 2 ) 15usc1692e ( 2 ) ( a ) 15usc1681 ( 6 ) ( a )

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 2023-11-24
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I disputed a {$320.00} charge made on XX/XX/XXXXXXXX  on XX/XX/XXXXXXXX  for merchandise not received. Given the length of time since the purchase was made, this purchase falls under Visas 540-day rule. I spoke with multiple Chase representatives who were unaware of this rule yet worked in Chases Disputes department, yet I finally found an agent who was able to file this dispute. Chase has then stated that this purchase still falls outside of their timeframe and will not clarify their rules regarding their adherence to Visas clear 540-day rule, which this purchase clearly falls under. I had a very unprofessional, unhelpful, and rude Account Manager named XXXX XXXX who refused to answer questions, refused to specifically guide me to Chases policies, and began misinterpreting Visas 540-day rule. When I navigated to Chases website where XXXX asked me to go, he refused to provide any further information as he is clearly not abiding by terms laid out in my cardholder agreement. Chase, per Visas code XXXX, please properly resolve this dispute and please educate your team on this rule.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: MD
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief