BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 explanation
Consumer complaint received 2023-08-15
Company: DISCOVER BANK
State: KY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I used my Discover Credit Card to purchase an engine from XXXX XXXX XXXX XXXX, of XXXX, FL, in XX/XX/2021. It never arrived and we never received it. I called the company and they sent me an emailed account form that says Discover voided the sale. I submitted proof to Discover of this document. They, without any explanation, refuse to defend that it was paid to the merchant because either Discover or the XXXX XXXX XXXX is committing fraud. Discover is supposed to protect me from the fraud either way. They dont want to make it right. I have filed multiple disputes and sent correlating documents many times and made many calls to Discover to no avail. They even refuse to respond to the voided sale document to defend if they paid in my behalf, as it would be an admission that a conflict exists that needs rectified. They have the copy of documents and continue to send me denial letters without any defense at all. I am seeking legal counsel. Discover was paid by me in good faith the full amount of {$1200.00}, as they billed me for it. 
I should be reimbursed by Discover and if they actually paid XXXX XXXX XXXX XXXX, they should seek reimbursement. If they didnt pay XXXX they need to reimburse me either way. Once legal fees come in, I will seek other damages. 
I want every regulator/ agency involved that this falls beneath their scope of authority.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that J am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me. I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec, 16811 ( a )? I heard that if you can I provide proof, these accounts must be deleted. Well. I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
1 demand the following accounts be veriffd or removed immediately Account : XXXX XXXX XXXX Check report from Identity theft as well in attachment 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 non-monetary relief
Consumer complaint received 2022-10-17
Company: FIRSTBANK
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XXXX XXXX XXXX I sent a XXXX payment to my friend XXXX XXXX for {$350.00} as payment for a loan. I am a XXXX y/o male on XXXX and have used XXXX a few times in the past. The only thing I did different was I used my cell phone instead of my pc to send the money and I don't understand how my friends payment information came up wrong. I have never used it to pay her but I have received payment by her many times. Anyhow the first thing we noticed was that her name came up wrong on my payment to here. It is usually sent to XXXX XXXX. This one went to XXXX XXXX XXXX and the phone number was off by just one number. I know for a fact that I didn't will out her name wrong or type in the wrong number. When she told me she hadn't received payment I alerted the bank which was on XX/XX/XXXX and they started a investigation which will take 30 days to complete and I just don't have that kind of money to throw away especially now trying to get by on a fixed income with the cost of living so high. So we are waiting for First Bank in XXXX to finish the investigation. Praying I get my money back. Will I ever use XXXX again? No ......

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Starting on XX/XX/XXXX there were unauthorized charges on my account with Chime. I live in Texas and the charges made are in XXXX XXXX, NV. Below I will be listing dates and amounts. 

XXXX XXXX- {$26.00} XXXX XXXX XXXX- {$13.00} XXXX XXXX XXXX XXXX XXXX- {$14.00} XXXX XXXX- {$86.00} XXXX XXXX- {$200.00} XXXX XXXX- {$11.00} XXXX XXXX XXXX- {$120.00} XXXX XXXX XXXX- {$41.00} XXXX XXXX- {$11.00} XXXX XXXX- {$11.00} XXXX XXXX XXXX XXXX XXXX- {$17.00} XXXX XXXX XXXX XXXX XXXX {$21.00} XXXX XXXX XXXX- {$9.00} XXXX XXXX- {$24.00} XXXX XXXX- {$22.00} These are all the charges that I did not authorize and Chime will not help me. I disputed them all and a day later they denied my claim. I spoke with another supervisor who said I provided more evidence for my claim and they denied it again. I have yet to receive documents showing me why they declined my claim and every time I talk to someone they say it can take up to ten business days. Can someone please help me with this unlawful bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX, XXXX, and Transunion have violated my consumer reports. 
They are reporting information such as student loans, closed accounts, and inquiries. 
The inquiries with XXXX are fraudulent. I have filed an FTC report and they have yet to handle the situation in a timely manner. 
" According to the Family Education Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ). 
Any and all consent to XXXX, XXXX, and Transunion ( Furnisher of information to credit agencies ) whether it be verbal, non verbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party- unless the consumer is given an explanation of how the consumer can exercise that non disclosure option.

Every company have to give a privacy notice before furnishing information to my consumer report. This was not given. Part 1016 - PRIVACY OF CONSUMER FINANCIAL INFORMATION ( REGULATION P ) 12 CFR 1016.1 Purpose and Scope ( 1 ) " Requires a financial institution to provide notice to customers about its privacy policies and practices. '' ( 3 ) " Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated thirsd parties by " opting out '' of that disclosure. '' XXXX, XXXX, and Transunion are not maintaining reasonable procedures. 

ACTS VIOLATED, 15 USC 1681 15 USC 6802 Family Education Rights and Privacy Act ( FERPA ) 15 USC 1681b 15 USC 1681e Privacy Act of 1974 ( % U.S. Code 552a ) Regulation P Part 12 CFR Part 1016

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 2021-04-20
Company: Integrated Asset Recovery LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The company XXXX XXXX XXXX, XXXX send me a letter for a debt collection of {$540.00} in the acc XXXX, that is not the same information that shows in my XXXX report, for example, the claimed debt is under the name of XXXX XXXX XXXX, and they have discrepancy no just in names but in the Adress, the letter showS XXXX XXXX XXXX XXXX VA XXXX and the XXXX info shows another XXXX XXXX . 
I notice on this letter that I do not know any of these companies and I have never done any business or contract with them and my physical signature.

Company response to consumer: Untimely response
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$4200.00} ; XXXX XXXX  XXXX XXXX : {$360.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$120.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX : {$250.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$730.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$850.00} ; XACTUS-CP XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/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 2021-04-20
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the 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 non-monetary relief
Consumer complaint received 2022-11-16
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Eperian has prematurely removed accounts from my credit report, causing my score to plummet by XXXX  XXXX  and damaging my apparent creditworthiness to lenders. 

As a result of the improper removal of these accounts, the length of my credit history appears to be shorter than it actually is. Currently, my Experian score is XXXX XXXX  below XXXX and XXXX XXXX XXXX XXXX. One of the accounts Experian removed is still open ; the other two should be on my credit report until XX/XX/XXXX and XX/XX/XXXX. The other credit bureaus ( XXXX, XXXX ) are still listing them. 

Further, when I tried over a dozen times to reach Experian by phone and email, I got the runaround multiple times and was finally given a phone number that will not connect to a live agent ( and their email support refuses to help altogether ). 

The accounts in question are : - XXXX  XXXX XXXX XXXX XXXX with XXXX - ending in XXXX ( closed, last updated XX/XX/XXXX ; listed by XXXX ) XXXX XXXX  XXXX acct starting XXXX - ending XXXX ( closed, last updated XX/XX/XXXX ; listed by XXXX ) XXXX XXXX acct XXXX XXXX - ending XXXX ( still open ; listed by 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 2023-10-21
Company: Experian Information Solutions Inc.
State: CA
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:
After disputing a medical collection through XXXX, Experian and XXXX I received a debt validation letter from XXXX XXXX XXXX. The letter includes my treatment information and charges, my symptoms, my vital signs and more information about my health which is a violation of my privacy under 15 USC 1681 ( A ) ( 4 ) and includes multiple HIPAA violations. I have filed a complaint with HIPAA ( see attachments ) and now I am filing a complaint with the CFPB. This information should not be shared with a debt collector and therefor makes this debt invald and illegal.

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 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX, I just checked my report, and Ive discovered that the items I requested for you to investigate and delete are still on my report, I am not sure what's going on but you seem to be ignoring my letters. I have been sending you letters for a couple of months now but the negative items are still there like you're completely disregarding it, I am not even getting any response from you people. I was told by a lawyer that this is a violin of my right, under 15 U.S.C 1681N and 1681O for willful and negligent non-compliance and I am willing to take it to the next step should you continue your negligence.

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 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my fourth 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 an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance XXXX XXXX XXXX Balance - XXXX XXXXXXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX Balance - XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance {$320.00} XXXX XXXX XXXX Balance - Bankruptcy XXXX  XXXX XXXX on XX/XX/XXXX Reference number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX  Inquiry : 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 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

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 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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. 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 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 CONSUMER REPORTING AGENCY CAN NOT FURNISH ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15U.S.C ( A ) ( 5 ) 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 RPORT BY MORE THAN SEVEN YEARS 15 U.S.C 1681 S-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 2022-11-26
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: 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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX.. Balance : {$40.00}

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