BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-21
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX XXXX, XXXX  and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 2019-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Trans Union, XXXX  and XXXX  are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
US BKPT CT UT XXXX XXXX XXXX XXXX XXXX XXXXUS BKPT CT UT XXXX XXXX XXXX XXXX XXXX XXXXUS BKPT CT UT XXXX XXXX XXXX XXXX XX/XX/XXXX US BKPT CT UT XXXX XXXX XXXX XXXX XX/XX/XXXX US BKPT CT UT XXXX XXXX XXXX XXXX XX/XX/XXXX The reporting of these accounts ( s ) is/are violations of 15 USC 1681a, the Fair Credit Reporting Act 15 USC 1681 ( a ) ( 2 ) ( B ) : ( 2 ) EXCLUSIONS.- Except as provided in paragraph ( 3 ), the term consumer report does not include- ( B ) any authorization or approval of s specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ). credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes my social security card, drivers license ID, and license plate credit cards the extension of credit.

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 2023-08-30
Company: CCS Financial Services, Inc.
State: IL
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 Send letters off on XXXX XXXX. I told the credit bureaus to " investigate every piece of information ' on accounts I have below. I also have attached the letter I sent to credit bureaus According to the FRCA The term " Investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtain through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may knowledge concerning any such item of information. 

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece information on these accounts are still not reporting 100 % accurate, and according to the FRCA 15 USC 1681 everything has to be 100 % accurate ACCOUNT- account # XXXX Original creditor-XXXX AN XXXXXXXXXXXX XXXX sold to collection agency-Credit Collection Service XXXX XXXX XXXX XXXX XXXX MA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: TX
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:
I am sending my CFPB complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that needs to be remove in my credit file right away : 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 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 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 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 explanation
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received a loan from XXXX XXXX XXXX. It was sold to a third party a few months later. By them selling my account to a third party that means I do not have an active account with them. I have already paid what was owed to the third party XX/XX/XXXX. I have sent letters, emailed, and called but did not get 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 2023-02-22
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 status incorrect

Complaint:
i have reached out to the credit reporting agency numerous times and i have got no response on my disputes.

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 2023-08-31
Company: Experian Information Solutions Inc.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.

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 2022-05-13
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. company has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 SENT TRANSUNION CERTIFIED LETTER ON THE XX/XX/XXXX ABOUT UNKNOWN INQUIRIES I DID NOT AUTHORIZE ALSO I CALL EACH COMPANY I WAS TOLD CALL TRANSUNION, WHEN I CALL THEM ABOUT THIS PROBLEM THEY DID NOT HELP ME AT ALL WITH REMOVING THESE INQUIRIES OFF MY CREDIT FILE. I WILL LISTED EACH ONE THAT NEED TO BE REMOVE IMMEDIATELY BECAUSE THEY ARE NOT ANY ACCOUNTS OF MINES. 

XXXX XXXX XX/XX/XXXX Date of the Inquiry XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX Date of the inquiry XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Date of the inquiry XXXX XXXX XXXX XXXX XXXX XXXX  OH XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX Date of the inquiry XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XX/XX/XXXX Date of the inquiry XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XX/XX/XXXX Date of the inquiry XXXX XXXX XXXX XXXX, FL 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 2023-09-25
Company: EQUIFAX, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Experian Information Solutions Inc.
State: IL
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute certain accounts that are held by your company. The accounts in question are as follows : XXXX XXXXXXXX XXXX  XXXX : late payment account XXXX XXXX XXXX XXXX : charge off account XXXXXXXX XXXX XXXX : inquiries on XX/XX/XXXX I believe that your company has violated several consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Equal Credit Opportunity Act ( ECOA ), and/or the Fair Credit Billing Act ( FCBA ). 

The specific violations that I believe have occurred are as follows : With respect to the XXXX XXXX XXXX account, I believe that your company has violated the FCRA by reporting a late payment on my credit report when the payment was made on time. This has caused my credit score to decrease and has made it more difficult for me to obtain credit in the future. 
With respect to the XXXX XXXX XXXXXXXX account, I believe that your company has violated the FCRA by reporting a charge off on my credit report without providing me with proper notification and an opportunity to dispute the debt. This has caused significant harm to my credit score and has prevented me from obtaining credit. 
With respect to the XXXX XXXX XXXX account, I believe that your company has violated the FCRA by making unauthorized inquiries on my credit report. These inquiries were made without my permission and have caused my credit score to decrease.

As a result of these violations, I have suffered financial harm and/or other damages, including being denied credit and having my credit score decreas
e.

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 2022-12-29
Company: Experian Information Solutions Inc.
State: VA
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 frequently check my credit report and noticed the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of being 100 % correct. This has ruined me and held me back for quite some time time. Im demanding CFPB to enforce the correction of these items.

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 2023-08-23
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I purchased my flight with Chase through Chase Rewards. Directly after paying for the flight, I received a message that my flight schedule changed. When I had originally bought the ticket, it showed a later departure time, but directly after purchase the departure time was earlier. I know that a different time was shown pre-purchase because I am traveling from XXXX, XXXX to XXXX, XXXX. Due to XXXX 's active full-scale invasion of XXXX and XXXX of critical infrastructure, XXXX now has no functioning airports. Therefore, it takes me over 16 hours to reach XXXX. I would have never bought an earlier flight, XXXX XXXX was the new shown departure time, because I know the schedule of the limited trains that leave XXXX for XXXX. I would never be able to make a XXXX flight so I would have never purchased it. Additionally, I have proof that Chase informed me of a flight schedule changed which remained on my Chase rewards dashboard for weeks after the purchase. When I contacted Chase, they said they called the airline and there was no itinerary change. This is probably true ; however, the issue was not with the airline, rather with the Chase rewards system/dashboard. Chase refuses to reimburse me and when I tried to change the flight, they only offered prices that were significantly higher than on the airline 's website. Additionally, when I called Chase rewards customer service, following a heated conversation of frustration, the customer service representative sent me more than approximately 30 emails with my trip overview in direct retaliation for our discussion. Of this, I also have proof. I have lost XXXX USD, received horrendous customer service who spammed my inbox in response to the phone call, and I believe Chase proposed inflated prices for a flight change. A flight that costed XXXX USD they proposed to me for {$1200.00}. I kindly request this issue be reviewed, I would like Chase to reimburse me, and I am happy to provide proof. To this day, the only recognition of guilt reimbursement they provided was XXXX credit points which are XXXX USD, when I lost XXXX USD worth.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
State: CA
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 SET OUT ON A JOURNEY TO REPAIR MY CREDIT AND ASK THE CREDIT BUREAUS TO MAKE SURE EVERYTHING WAS COMPLETE AND ACCURATE ACCORDING TO 15 USC 1681 i ( 5 ) I WAITED 60 DAYS RECEIVED MY INVESTIGATION AND NOTICED EVERYTHING WAS THE SAME .THE CONSUMER REPORTING AGENCIES WHICH IS EQUIFAX XXXX XXXX XXXX AND XXXX XXXX DID NOT MODIFY OR DELATE ANYTHING. 

THE DATE IS NOT CORRECT THE LAST ACTIVE DATE IS NOT CORRECT ON ALL 3 REPORTS.

WHICH IS A VIOLATION.THIS IS IMPACTING ME FROM MOVING FORWARD TO BUY A HOUSE FOR MY FAMILY. 

I ATTACHED MY PERVIOUS CREDIT REPORT AND MY NEW CREDIT REPORT TO SHOW HOW XXXX VOILATED MY RIGHTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-03-07
Company: Experian Information Solutions Inc.
State: PA
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 reach out to the credit bureaus XX/XX/2021 letting them know i was a victim of identity theft i sent a identity theft report along with a police report naming the accounts that were fraudulent. Under FCRA 15 U.S. Code 1681c2 ( a ) this information should've have been blocked from my report which it never was and after i disputed this account. I received correspondence that this account was verified which is false this account has not been properly verified and according to 15 U.S. Code 1681i ( 5 ) ( i ) this account should have been removed immediately.

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 2022-12-29
Company: Southern Auto Finance Co
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I sent a Notice of recession to My Certified used cars dealership In XXXX, Michigan & Also the financing company Safco in XXXX XXXX, Florida via USPS certified mail on XX/XX/XXXX in the letter I asked them to respond in 20 days, I have not received a response. The notice of rescission included a {$26000.00} down payment I made last year on the date of XX/XX/XXXX thinking I had to make a down payment on the vehicle to be able to drive out of the car lot.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Upstart Holdings, Inc.
State: MD
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
The consumer and natural person was denied credit by UPSTART when she applied for a personal loan, XX/XX/2023, Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691 c and is pursuant to civil liability under 15 U.S.C 1692k.

They are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by UPSTART due to the response I received.

UPSTART is in violation of 15 U.S Code 1642 U.S.C 1681m and 12 cfr 1002 because I the consumer, made an application in good faith, but credit was not issued. 
Furthermore, because my social security number ( credit card ) was used and received NO benefit. This proof of fraudulent activity ( unauthorized use of credit card ) on behalf of UPSTART

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
To whom it may concern : about three months ago I complained about XXXX that is resurgent capital services debt collection agency complaint # XXXX. I thought this account was charged off I understand that even though it's charged off I still owe. I keep explaining my situation to them that Iam in financial hardship I don't know how they want me to show evidence of my hardship. I've told them the only way I'm able to survive is by food stamps and still they don't know my unforeseen circumstance that lead me to financial hardship. You know just show them that I will work with them I'll send them XXXX or even a {$1.00} since this company wants what is owed to them. This company does not understand nor do they seek to understand the hardship that I am in. So, until I'm with a good job and that will provide me with money to pay what is owed I will send them a {$1.00} dollar when I ever I am able too.

Company response to consumer: Closed with explanation