BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Contacted creditors & bureaus 40 days ago regarding this issue with reporting inaccurate information on my report. They disregarded me & went against multiple laws one for instance fcra section 609 Now I ask that these accounts that wrongly reporting be removed off my report as soon as possible. 


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 2023-09-12
Company: Experian Information Solutions Inc.
State: AZ
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report.

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 2023-04-21
Company: EQUIFAX, INC.
State: TX
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items in my file. 
XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
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: Their investigation did not fix an error on your report

Complaint:
They have refused to fix or update my reports as I filed multiple disputes and have them the proper information. Not only did they not fix the error but they have allowed the reports to be updated. Their representative disconnected the call when I ask them to further investigate the errors.

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 2023-07-25
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV FUNDING LLC keeps reporting to XXXX and XXXX they need to stop. 
Congress passed the FCRA Laws which allow you to permanently remove negative items from your credit report using prewritten dispute letters. You can remove these following items legally Collections, Late Payments, Medical Bills, Repossessions, Evictions Charge offs Bankruptcies, HOSPITAL BILLS, STUDENT LOANS, CAR REPOS, CHARGE OFFS, LATE PAYMENTS.

And pursuant to the following codes it should be removed.

15 U.S.code 1666b 15 U.S.code 1666, 15 U.S.code 1681B, 15 U.S.code 1681A. LVNV FUNDING LLC ( XXXX ID : XXXX ) won't provide any documentation that this account belongs to me, or a copy of the Purchase contract that they legally owned this debt by the original creditor. Copies of all the statements from open to close, and Per XXXX XXXX XXXX  there not even licensed to operate in the state of California. Therefore, it needs to be removed from my account immediately. 
Where is the 1099 tax form once a credit company writes off debt, they file 1099 Tax form?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been making additional escrow payments for 2 years now. I have been sending separate checks from the actual monthly mortgage and was told to put in the memo field " additional escrow ''. Per my Credit Union ( XXXX XXXX ) they confirmed that all payments that went out for {$50.00} to LOANCARE did indeed have in the memo field that it was for additional escrow. When I received my escrow statement stating it was short I immediately called. I spoke to XXXX who was very apologetic and said he would have those payments applied properly. He also said I should be getting a refund. He said he viewed the checks and verified the memo. When I called 2 days later, I was told by a rep, and then her, superior XXXX XXXX escalation agent ) that they can only adjust the account for 6 months but they misapplied the payments for 12 months. I was also denied an audit on my account from XXXX ( escalations agent ). I am refusing to pay the increase mortgage amount i XX/XX/2022 when I overpaid the escrow. Per my insurance company, my insurance increased {$41.00} from the prior year and my taxes increased a total of {$200.00} from the prior year. I need this resolved. When I continue to make the same mortgage payment due to their error I DO NOT want my credit report to reflect a past due. My current credit score is clean with a XXXX score of over 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 2023-06-29
Company: EQUIFAX, INC.
State: HI
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:
They have continually billed my account for 2 years  and I was not able to log in and use their services. Submitted several lock requests in XX/XX/XXXX and XXXX, and XXXX. 

Major refund of all services because my subscription fee was rendered USELESS due to their continuous lockout and inability to refund or compensate for loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Incomm Holdings Inc.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/22, I purchased ( 2 ) {$100.00} Visa Gift Cards from XXXX. On XX/XX/22 I placed the cards in a U.S. Postal Service mailer, sealed the envelope, and handed it to the postal clerk. The mail never was received. I contacted VISA from a number provided by XXXX at XXXX and reported the cards lost or stolen on XX/XX/22. VISA or at least the person who said they were VISA open a case # XXXX and had me upload a copy of my purchase receipt along with a copy of the front and back of my drivers license to XXXX and told me that it would take ( 10 ) business days before I would receive a response. I have gotten no response and when I call the number, I have been placed on hold for up to 1 hour each time and when I did speak to someone, they told me that they had not received my documents i.e. my receipt and driver 's license, only to speak to a supervisor who told me that the ( 10 ) days had yet to elapse. I call them again today XX/XX/22 only to be told that they had not received my documents and was then hung up on with no answer or explanation about whether the cards were cancelled or if replacements will be issued. They just simply hung up. Also, there has been no response from the email account XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XXXX XX/XX/2022 I found a unauthorized charge to my credit card LL bean mastercard issued by Citibank. Last four XXXX. 

I contacted card company on XXXX XX/XX/2022 to report the misuse of my credit card by the electric company XXXX putting a charge of XXXX on my credit card. After calling the electric co. and was lied to that I made these charges I called the Citibank to file a complaint. I spoke with a person named XXXX who had told me that although the electric co. was to refund my money less a service charge and that Citi would refund me the XXXX service charge. 
Well the money was never refunded nor was the XXXX service charge. She gave me this reference number XXXX. 
The reason for my action is the XXXX electric of XXXX had used my credit card without my permission and a service charge on top of my original bill. 
This person at citibank only seemed to be placating myself. I received nothing following my attempt to file a complaint with citibank. I do not believe any action was taken. Thank you.

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 monetary relief
Consumer complaint received 2022-05-13
Company: Merchants' Credit Guide Company
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: Their investigation did not fix an error on your report

Complaint:
They have refused to fix or update my reports as I filed multiple disputes and have them the proper information. Not only did they not fix the error but they have allowed the reports to be updated. Their representative disconnected the call when I ask them to further investigate the errors.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Im submitting a complaint to you again today to inform you I was the victim of identity theft. the accounts I am disputing today for the erroneous accounts in my report and I need them removed immediately, Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission. US DEPT OF EDXXXX XXXX .... Balance : {$92000.00} US DEPT OF EDXXXX XXXX .... Balance : {$880.00} XXXX & XXXX XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$360.00}

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 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance : {$29000.00} XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXXXX/XX/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 2022-05-13
Company: EQUIFAX, INC.
State: MD
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 the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I originally had a Sears card that I used to purchase a refrigerator in XX/XX/XXXX. In the summer of XX/XX/XXXX, I received a notice that my Sears account had been converted to a Shop Your Way card. I called Shop Your Way ( affiliated with CitiBank ) because I did not want the account and had not asked for it. I requested it be closed. I was sent to their retention department. The retention representative informed me I should not close the account because my purchase ( even though it was not on this card ) was covered by an extended warranty for 2 years from date of purchase. I agreed to retain the account. This month I began having trouble with the refrigerator. I called 5 different toll free numbers and was transferred each time to someone who could help me find out about my supposed " extended warranty ''. After an hour, I insisted the next representative answer my question. The representative informed me that I had no extended warranty. I asked for a supervisor. The supervisor was apologetic about the incident. I indicated that this appeared to be a deliberate act to deceive me so I would keep the card. She indicated that the representative was 'likely counseled '. I indicated that deceiving clients into keeping these cards with promises of benefits that are not there is an unacceptable practice. She agreed but gave no indication that any action was being taken.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't 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 2023-08-15
Company: JPMORGAN CHASE & CO.
State: LA
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:
JP Morgan Chase initially closed a corporate card I was responsible for and charged off the total amount past due in XX/XX/XXXX. I disputed this claim in XXXX of XXXX as I was not supposed to be liable as this was a corporate card only. Now 14 months later, in an attempt to force me to pay the debt, have re-reported the account as charged off and listed the charge off date as XX/XX/XXXX. The has critically damaged my credit just as it was recovering from the initial charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX Account # 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 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 explanation
Consumer complaint received 2018-10-23
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX 's report shows that my car has been stolen. XX/XX/18, I discovered this when I tried to sell my car and the buyer declined to make me an offer because of this information. XX/XX/18 - XX/XX/18, I tried to call XXXX, but the phone number on their website doesn't seem to work because it is always busy. XX/XX/18, I was able to connect with XXXX and got a case #. They refuse to correct this error unless I provide them documentation. My car has never been stolen. I have the car, I own the car and I have a clean title in my possession ( I sent a copy of my title to XXXX  XX/XX/18 ). XX/XX/18, The Texas XXXX has no record of my car being stolen and said for me to tell XXXX to call them. XXXX will not call them because " it takes too long for Texas DMV to answer '' - about 15 minutes. XXXX will not respond to my emails through their online system or return any of my calls - even after they promised to call me back. 

My request is very simple : I want XXXX to fix their erroneous data showing that my car was stolen asap.

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 2023-08-27
Company: JPMORGAN CHASE & CO.
State: ID
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In the beginning of XXXX, I closed my savings account with about {$4000.00} still in the account. When I tried to get the funds back, Chase bank stated that they were having trouble releasing the funds to me as the account was already closed. I escalated this issue multiple times and I had gotten some excuse saying that XXXX was making it difficult. I understood and gave it some time. They also stated they would reimburse my balance plus more, making it {$5000.00}. It is now XXXX, and, after multiple promises to release the funds to me, I still do not have it.

Company response to consumer: Closed with explanation