BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-17
Company: Experian Information Solutions Inc.
State: MA
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 Account name XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account Name : XXXXXXXX XXXX Account number XXXX Account Ending In : XXXX Account Name : XXXX XXXX XXXX Account XXXX account ending in : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX  Account XXXX Account ending in:XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account number XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXXXXXX 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 2021-04-15
Company: AFNI INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a letter from XX/XX/XXXX from a debt company called afni written to settle for {$79.00} for a debt they assumed is {$120.00} from XXXX. 

I called XXXX several times and even made an appointment to a local store to discuss the debt. No one from XXXX has been able to justify that debt for me after 3 months of calling and asking. 

From my record, I have paid my monthly dues to XXXX and when I stopped using XXXX as my utility company in XXXX, they issued a refund to me via check. And now 3 years later they sent my account to collection. 

I have tried to apply for a loan recently and that XXXX case has brought my credit score down and unable me to get my loan approved. I usually pay my bills on time and never miss one but this is affecting me a lot.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-25
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/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 2023-01-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
To whom it XXXX concern, On XX/XX/XXXX, XXXX, and XXXX my Chase checking account was hacked via the apps, XXXX XXXX and XXXX. There were XXXX transactions in total that were obviously invalid and not made by me, or any member of my family as I am the only person in possession of my phone at all times. I alerted Chase Bank the following day, as soon as I noticed the fraudulent transactions on my account. XXXX of the obviously false transaction was denied by Chase 's XXXX XXXX. All of the others were allowed to be processed. 

Chase did launch an investigation into the fraudulent charges and initially agreed to reimburse me for the XXXX transactions via XXXX XXXX which are as follows : XXXX. XX/XX/XXXX - {$200.00} XXXX. XX/XX/XXXX - {$200.00} XXXX. XX/XX/XXXX - {$200.00} XXXX. XX/XX/XXXX - {$100.00} XXXX : {$700.00} On Thursday, XX/XX/XXXX, I received an email from Chase stating that they decided that these false transactions were made by me, and will be reversing my reimbursement on or after XX/XX/XXXX from my Chase Checking account. Not only are these transactions false, but Chase refuses to provide any detailed evidence or information, so that I XXXX pursue the matter further. 

The XXXX XXXX transactions were made around the same time as the XXXX XXXX transactions and are as follows : XXXX. XX/XX/XXXX - {$220.00} ( this transaction was denied by XXXX ) XXXX. XX/XX/XXXX - {$230.00} ( this transaction was approved by XXXX ) It would seem obvious that anyone looking at these transactions during this time frame could easily see something is off. Especially considering my past history using these app and the recipients of any transactions. 

I have spent hours on the phone with Chase Customer Service, and they can not provide any answers that make any sense as to why I will have to pay for their business getting hacked. 

I am a senior citizen on fixed income and this is wreaking havoc on my financial situation. I do not have the funds to cover this reversal of reimbursement, and as such, will only incur more charges when my account is overdrawn. 

It is concerning that a financial institution can continue to operate in this manner by taking advantage of seniors, and not doing the right thing. This situation leads to more concerns over the security of their internal systems, and I would implore you to take a closer look at these types of scams that innocent, everyday people have no control over when their financial institution will do nothing. 

Kind regards, Real, Hardworking Person

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX XXXX XXXX : {$0.00}.

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 2023-10-23
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:
IN ACCORDANCE TO THE FAIR CREDIT REPORT ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 602 STATES. I HAVE A RIGHT TO PRIVACY. SECTION 2 ALSO STATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTION, AND UNDER 15 USC 1666B, A CREDITOR CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTION. A creditor may not treat a payment on a credit card account or account under an open-end consumer credit plan as late for any purpose

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 2022-06-05
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I believe that someone posing as Paypal sent me a notification that they had detected unusual activity in my account and needed to verify security information to resolve the issue. The manner in which they reached out was consistent with how Paypal contacts me, and the appearance of the interface seemed normal to me. I think it was actually a notification on my phone, as though from the app. I entered security information, including my main credit card, my HSA card, and my SSN. I feel so stupid. I should have realized this was not normal information to ask for in order to verify activity. But the moment I realized it was a scam was when I finished the questionnaire and the interface changed oddly, asked me to verify that I wasn't a robot, and then redirected to a VPN service. I think that Paypal should be made aware that this scam is circulating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Stenger & Stenger, P.C
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX bought my debt they had Stenger & Stenger PC attempting to collect it. They sent me a letter. I requested a debt validation. They then sued me. I was served by law enforcement 26 days after I recieved the initial letter. I contacted a lawyer and they had my suit dropped. They counter sued XXXX. Even unable to verify my debt XXXX will not delete the account off my credit. The original letter was dated XX/XX/21. It came in the mail XX/XX/21 ( per informed delivery/with photo ). My court documents were dated XX/XX/21. My attorney has copies of communications and the outcomes of litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I am being sue my Citibank for {$2000.00} XXXX XXXX dollars credit card I have with XXXX XXXX on XX/XX/2022. According to XXXX company citi bank hired them to sue me, lawsuit. XXXX couldnt prove the dates they contacted me, when ask why couldnt you call me and let me know, they reply we send u a letter. I never received a letter. Its was almost XXXX someone knocked on my brothers door to deliver a summons for me. Since my brother notify me, I have had XXXX XXXX Trauma and I cant sleep. I am a single mom trying to stay afloat in this horrible times. I have no message from Citibank or XXXX prior to this letter. I have made payments on this credit card but not able to keep up with the demand of rent and childcare. I have to appear in court on XX/XX/XXXX which now I have to miss work. I leave in fear now because I am worried what will happen to my child if I am not able to pay on court date. I am not able to afford an attorney to represent me. I am so scared. Citibank shame on you {$2000.00}, a single mom trying to make ends meet, my heart hurts for my son. I do not know where else to turn. XXXX XXXX and thanks Citibank my records are now published on the public website and I am being harassed by others.

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 2021-10-06
Company: Finance System of Toledo, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
XXXX XXXX of XXXX called XXXX/XX/XX/XXXX and did not verify any PII, but provided full SSN & DOB without receiving any information as to whom they were speaking with to discuss an account. They advised the account would be removed upon payment. The original creditor XXXX was also notified and was advised upon payment account would be removed from credit report. No such action was taken. This will be my second small claims suit in XXXX if this is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Experian Information Solutions Inc.
State: SC
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:
I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.

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 2022-06-05
Company: I.C. System, 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: Account information incorrect

Complaint:
IC Systems is reporting different information to two credit bureaus. I have attached the violations so you can see. This inaccurate information is causing me great stress. It is their responsibility to report information that is 100 % accurate and verifiable. They have various violations causing me to believe they have no regard to the credit laws that protect us. I was denied a refinance loan recently. Items like this make my life stressful. I have to put in long hours to fix what they should already know. Its abuse of power.

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 2019-03-30
Company: Consumer Solutions Group
State: MI
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX XXXX from Consumer Solutions Group has left me repeated voicemails and when I spoke with him during XX/XX/2019, he told me he was calling from the Garnishment Department. I was extremely alarmed at first and made payment arrangements under duress that I can not afford due to his statement. And before that, he made the statement that he would inform them that we couldnt come to an agreement ; Im still not sure who them is. I was trying to explain to him my situation and Im on the verge of bankruptcy, to which he replied that pay day loans cant be claimed in bankruptcy, which is false. I soon realized that he is not calling from a court of law. I admit that I became angry with him, yelled and hung up on him, because it irritates me to no end that he was lying to me. I told him the third time I spoke with him that I was speaking with an attorney. He also wouldnt give me the address of the debt collection company ( I asked more than once ), but finally gave me the website and told me to look it up and get the address from there and see that they are a legitimate company and told me to have my attorney to contact him. I have been considering bankruptcy for a while and in fact did visit with an attorney a while back and I qualify to file, but didnt have enough money for that attorney at the time. I decided to go forward with the bankruptcy and contact an attorney, which I still cant afford, but feel I have to, because of his comment about working in the garnishment Department and the threat I felt when he said it, because I can not afford a garnishment, which now has me worried, because are they suing me or not? Also, when I asked to be mailed confirmation of this debt ( I asked more than once ) he wouldnt do it and I still havent received anything in the mail.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 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 accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 correct : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$7800.00} XXXX XXXXXXXX Balance Owed : {$580.00} XXXX XXXX *** Balance Owed : {$0.00}

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 2023-07-17
Company: EQUIFAX, 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: Account status incorrect

Complaint:
In XXXXXXXX XXXX XXXX a delinquent/late payment was reported to the credit bureaus. I had made a payment plan with XXXX XXXX prior to that and had followed it accordingly. When they reported my payment late, I called and spoke to the general manager XXXX XXXX ( he was also the one who helped me set up the payment plan ). He admitted it was a mistake on their end and it should have never been reported. I asked him to resolve it and he was very flighty, it took me 4 times of asking him until he said he would need to submit something to the credit department but it would take a long time. I said that was fine. Since he kept complaining about it I asked for the credit departments contact information and he said they dont give it out to customers and only he can do it. After 2 months I reached out to XXXX because it was still on my credit report and he said oh I assumed they fixed it because I didnt hear anything and said nothing else can be done. So I filed a claim with each bureau explaining this and all were denied except one. I resubmitted and they were still denied. XXXX said they couldnt do anything about it even though I reminded them they admitted it was their mistake. I asked for a Corporate phone number and they said they didnt have one. I then began working with a credit repair agency and they said this sounded shady, and have been working on removing this from my credit report at the other 2 bureaus but they have been unsuccessful. So it is still on my credit report even though XXXX admitted it was their mistake. 
Aside from this major issue, XXXX has been EXTREMELY rude and insulting in every interaction I have ever had with him. They have also called over XXXX times in XXXX day for days on end. I have just paid off this entire loan so my account is closed with them but I am still not okay with their shady business practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-05
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Account has been paid and closed, paid before terms. 

XXXX XXXX XXXX XXXX XXXX LATE PAYMENT Balance - Updated on XX/XX/2019 2019

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 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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