BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2023-11-14
Company: Experian Information Solutions Inc.
State: KY
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 you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent 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

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 2023-07-23
Company: Experian Information Solutions Inc.
State: PR
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 am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : XXXX XXXX XXXX XXXXXXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$31000.00}. 
I previously disputed this account and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete any negative information in this account immediately. 
Please reinvestigate this matter and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
Also it shows us {$290000.00} as original charged off that is inacurate info and should be deleted inmediatly Under the law inacurate info should me remove. 
Can you proof that I owe XXXX US Dollars?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16
Company: Tsarouhis Law Group, LLC
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have been sued by XXXX on behalf of XXXX XXXX. He has not provided correct and accurate documentation especially with regard to what the charges on the card were for and when they were incurred. I have fought this every step of the way but to no avail. He now is asking the local court for an arbitration but what I do n't know.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$690.00} XX/XX/XXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 sw 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, In fact therefore exists.

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 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEN to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion OF THESE ACCOUNTS listed 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 2015-09-02
Company: Nicholas Financial Inc.
State: MO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
Nicholas Financial added a {$1000.00} fee to the buy/sell agreed upon price as a lender fee, but never disclosed as a finance charge or lender fee. They are hiding a {$1000.00} fee which is basically 8 % of the vehicle price as an increase in the vehicle price at the dealership. This is fraud, and illegal lending practices. I should be refunded the {$1000.00} that was not disclosed properly, and so should hundreds of others I am sure.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In the year XXXX I noticed on my credit report there was debts that did not belong to me, I hired a company to fix it but they did not. 

On XX/XX/XXXX I tried to fix it by my self, I called the company and they could not help me. 

I also filed identity theft and as they instructed me, I sent a letter to the companies that are reporting that I have debts with them. 

Today I took a look at my credit report account and they are still appearing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I applied with my bank- XXXX XXXX for XXXX for a HELOC loan, filled out all kinds of paperwork, submitted and waited for the answer. I received a call from the woman at my bank stating they couldn't approve me for a loan because my credit score was too low for the loan I wanted. I said what was my score she said XXXX, I said that's crazy! when I logged into Experian it stated I was a XXXX down 3 pts from a couple days ago. I said that has to be wrong, my credit is very good 1/2 missed payments in almost 20 years. She suggested I call Experian which I did and talked to a woman there. I explained to her the situation and why does my score when I log on say XXXX and my bank is telling me I'm a XXXX? She said that the score can change based on different types of loans or something like that. I said then why don't you post my " Real '' score ( according to you ) instead of making me think I'm good when I wouldn't have applied and taken another knock on my score for the inquiry. 
This score reporting is anything but honest, it's DECEPTIVE at best if these XXXX companies can do this with peoples lives. How can they get away with this, some actuary putting a formula in that people see thinking they have good credit when it's the opposite. Can't you do anything about this? It's total 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 2020-02-19
Company: Experian Information Solutions Inc.
State: NC
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:
Experian and XXXX are showing my XXXX XXXX XXXX XXXX account # XXXX account to be 30 days late on a payment. The account had never been 30 days late and always in good standing up until it was paid in full in XX/XX/2020. I submitted a dispute they closed it in 2 days and did not correct it. And XXXX XXXX is showing the account was closed negatively and sold to a new creditor. Which is false.

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 2023-04-09
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had an account with Chime for about 6 weeks with 4 transactions ( 2 charges for ~ {$100.00} each and 2 deposits of $ XXXX and $ XXXX ). After not being able to log into my account I had a telephone conversation with a customer service person who seemed confused, and then received an email request for front/back image of my drivers license and a 2nd one requesting an secondary ID, such as a passport. ( I complied. ) They also asked the purpose of the funds in the account that I said was for nonspecific future charges. 

On XX/XX/ after providing a picture of my passport, I received an email stating " After a recent review of your account, weve found that it does not comply with the terms of the Deposit Account Agreement. Your account has been closed by Chime and is not eligible for a refund '' without further explanation. Especially disconcerting, since the account contains approximately $ XXXX, is their statement is not eligible for a refund. Ive sent several emails requesting an explanation and tried calling without success. 

Dealing with Chime has been a very bad experience. The initial debit card they claimed to send and after activating the replacement, customer service has been very bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being 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 non-monetary relief
Consumer complaint received 2023-07-23
Company: Experian Information Solutions Inc.
State: WA
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:
I opened an account for a XXXX Credit card in late XXXX ( XXXX I think ). Credit limit was {$8000.00}. In XXXX " XXXX, I was diagnosed with XXXX XXXX. I had to go to XXXX XXXX XXXX for best treatment. 

Being away from my residence in XXXX, Wa,. it was easy to forget I even had this card, as, I normally rely on mailed bills. 

I fully admit the oversight, of less than {$100.00} in XXXX of XXXX. If you would care to examine the rest of my payment activity, it is unblemished. 

It been over XXXX since these, one of a kind, occurrences and my XXXX score is still about XXXX below its typical value. 

This event needs to be removed from my record post haste as the XXXX score should be much more holistic and not allow a single event out of 15-20yrs decrease my score by XXXX points. 

Thank you for your attention to this matter.

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 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

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 2023-11-07
Company: Experian Information Solutions Inc.
State: IL
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:
Attn : Customer Relations Department XX/XX/2023 To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 
XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX. Mistaken Identity DEPT OF ED Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX. Mistaken Identity DEPT OF ED Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, Illinois XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. Mistaken Identity US DEPT ED Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
5. Mistaken Identity US DEPT ED Account Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information. 
3. The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.

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 2023-07-23
Company: Experian Information Solutions Inc.
State: PA
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:
On XXXX an account was opened in my name from XXXX XXXX XXXX XXXX Original Creditor ) XXXX XXXX XXXX XXXX XXXX XXXX, with a open balance of {$640.00}. Iam starting this claim to have this account disputed and removed from my 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 explanation
Consumer complaint received 2022-11-03
Company: Experian Information Solutions Inc.
State: SC
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:
According to the Fair Credit Reporting Act these accounts have violated my consumer rights under 15 usc 1681. 
The listed accounts below have violated my consumer rights under 15 USC 1681. 

XXXX XXXX Account # : XXXX Amount ( s ) {$16000.00} {$25000.00} XXXX XXXX XXXX Acct # : XXXX & XXXX Amount ( s ) {$22000.00} {$22000.00} XXXX XXXX : Amount ( s ) {$100.00} {$240.00} {$300.00} {$240.00} 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 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 2023-04-09
Company: JPMORGAN CHASE & CO.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking and savings acccount with Chase after I received an offer for {$600.00} when I ( 1 ) fund the savings account with XXXX Dollars and keep it there for 90 days ; ( 2 ) Make direct deposit from employer within 90 days and. 

I made the savings deposit and I directed my employer to make direct deposit after 40 days ( I only received my checking account number and card after 2 weeks - so there was a natural delay in getting this established ). Given my payment intervals this would mean that the payment would go through 61 days or so after the account was opened. 

However, Chase closed the checking account after 60 days ( due to XXXX balance ). My direct deposit therefore didn't succeed. 

This was nowhere mentioned in the rules nor at the branch when I talked to an employee who restated the rules to me. He assured me that if I start the direct deposit then everything is fine. 

Without the account open I will not qualify for the promotion plus I spent many hours having my employer pay me after the direct deposit went nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: CORELOGIC 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:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

CREDCO inquiry XXXX. XXXX, 2020 XXXX inquiry XXXX. XXXX, 2020 XXXX XXXX XXXX inquiry XXXX XXXX, 2020

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