BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-25
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: Their investigation did not fix an error on your report

Complaint:
on XX/XX/XXXX i reviewed my credit report an noticed that my dispute reinvestigation dated XX/XX/XXXX was completed and the the inaccurate reported public record [ bankruptcy chapterXXXX ] was verified an remained on my file i contact transunion and spoke with a rep as well as a supervisor and pointed out the documents i mailed in which discredits there verification of this public record and i was told they would reinvestigate if i wanted them to when i clearly proven they couldnt have done there job an remove this from my file its a clear violation of the fcra to keep reporting this i also wrote them and ask for method of verification and had not received anything after i mentioned it to the supervisor i was told she would do a phone verification of the record to satisfy my concerns but stated if she was unable to get the clerk of the court to verify the item would still remain i dont understand how they can get away with this and im demanding deletion of this record of my file

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 2020-11-24
Company: Experian Information Solutions 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:
I recently sent letters over 60 days ago to Experian and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: DISCOVER BANK
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
California Tax Lien placed on CD XXXX for {$750.00} on XX/XX/XXXX and. Bank reports sent funds to California. 

I have since been independently protesting lien with California authorities and, so far, amounts owed reduced down to {$380.00} with additional action being taken to eliminate entirely. No funds returned as yet. 

Normal due process not followed by the bank. Any California lien, even if valid, would normally have to be domesticated in either Michigan or Delaware ( Discover Bank reported to be a Delaware Corporation ) necessitating proof of service of notice of a hearing and review by a neutral party. No such proper procedures followed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: EQUIFAX, INC.
State: NJ
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 they violated my rights. 
Please delete the following items : XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : 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 a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Experian Information Solutions 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:
Usps tracking # XXXX To whom it may concern : Experian XXXX XXXX XXXX XXXX, TX XXXX The Fair Credit Reporting Act ( FCRA ) is a federal law that promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). CRAs are companies that collect and maintain consumer information, which is then used to produce consumer reports. These reports may be used by creditors, insurers, employers, and others to make decisions about granting credit, loans, insurance, or employment. Under the FCRA, CRAs must take reasonable steps to ensure the maximum possible accuracy of the information they report. They must also correct or delete inaccurate or incomplete information. In addition, the FCRA requires CRAs to provide consumers with access to their consumer reports upon request. Finally, the FCRA protects consumers from identity theft and other forms of fraud by requiring CRAs to take reasonable steps to protect the confidentiality and security of consumer information. The FCRA is enforced by the Federal Trade Commission ( FTC ), the nations consumer protection agency.With that said, according to the Fair Credit Reporting Act, Section 611 of FCRA, you have a responsibility of promptly deleting any information which is inaccurate or incomplete. This is my understanding as well. It's important to note that under the FCRA, even if an account has only been speculated upon or never confirmed in any way, the burden falls on you ( the credit bureau ) to provide evidence of its veracity before it can be placed on my credit report.Furthermore, the XXXX XXXX standard is a common format for reporting credit information. Banks and other lending institutions use the XXXX XXXX standard to report information to the CRAs. The goal of the XXXX XXXX standard is to make it easier for lenders to provide accurate and consistent information to the CRAs. This, in turn, should help to improve the accuracy of credit reports. The XXXX XXXX standard was developed by the Consumer Data Industry Association ( CDIA ) and is used by all major credit reporting agencies ( CRAs ) .The information in my credit report is wrong! Therefore, it can not be compliant with FCRA and XXXX XXXX standards because the information was never proven to be factual. So now, I have decided that enough 's enough, and will exercise my consumer rights.The following account allegations are either untrue, unverified, and incorrect. Please remove them immediately, or I will have no choice but to take legal action against you! Also, federal law requires you to respond within thirty

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 2023-07-08
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I am not liable for this debt with XXXX  and do not have a contract with XXXX XXXX. 
I am not liable for this debt with XXXX XXXX and do not have a contract with XXXX  I am not liable for this debt with XXXX XXXX and do not have a contract with XXXX XXXX XXXX. I am not liable for this debt with XXXXXXXX XXXX and do not have a contract with XXXX XXXX XXXX. They are violating 15 U.S.C 1681 section 602 A and 15 U.S.C 1681 Section 604 A Section 2. Section 616 & 617 611 ( 5 ) ( A ) of the FCR 15 U.S.C 1681 section 602 15 U.S.C 1681 Section 604 A Section 2 They did not provide me with the original application like I asked.

Please take a look at this information above and have this info above removed IMMEDIATELY, because it violates my consumer rights along with my FDCPA consumer rights. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2021, I googled how to get my LLC through the IRS for a company I created. A site popped up saying it was the irs with very similar credentials. I knew obtaining a LLC cost so the {$240.00} I paid I assumed was for my LLC. Instead, it was for an EIN that I know the IRS does for free and does not charge. Immediately after I receive the email I contacted Chase on XX/XX/2021 about the charges from this fraudulent company that came off as the IRS. I explained that I was trying to obtain my LLC and during the application process that is what I checked. They sent an email saying they requested an EIN from the IRS when I didnt need an EIN, I wanted to obtain my LLC for the business. Obtaining an EIN is free and IRS said be aware of companies pretending to the them. Chase immediately temporarily reversed the funds and then on XX/XX/2021 I noticed the charge was reversed again charging me for this service and pending in my account putting me in the negative.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-13
Company: Experian Information Solutions Inc.
State: PA
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 XXXX ACCT # XXXX Date Opened : XX/XX/2015 I did a thorough investigation myself and noticed various inaccuracies. I have already tried fixing this problem with the company. 

In accordance with the Fair Credit Reporting Act 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 an 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 2023-07-08
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX ( Finance ) IXXXX XXXX XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XXXX XXXX Inquiry-XXXX XXXXXX/XX/XXXX I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit. 
U.S CODE 15 U.S.C.

1681 ET SEQ. Section 604 of Fair Credit Reporting Act 30 Once you have fulfilled my request, mail me an updated credit report reflecting these changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: EQUIFAX, 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:
ATTN XXXX  Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: OneMain Finance Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Today, XXXX XX/XX/2021, I Received an email from XXXX XXXX XXXX, along with " XXXX XXXX XXXX ( current creditor of your original Springleaf Financial Services , Inc. ( SPRINGLEAF ) account ) balance. '' as well as TrueAccord for outstanding balance of {$1400.00}. 

I have no idea who these people are or who these companies are, never mind owing that amount of money for anything. 
I do not know any : " This was originally an account with Springleaf Financial Services , Inc. ( SPRINGLEAF ), account number ending in XXXX ''. 

WHAT ACCOUNT???? I do not know this company at all, and have never done business with the likes of them either. 

I do have a school loan but that is through OUR GOVERNMENT!!! 
Not some fly by night wan na be BS company. 

Some company tried that in the past, I shut them down too. 
After receiving that email, I replied in not a very nice way, being FRAUDULENT and most likely a SCAM. I also reported this as Phishing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
the statue of limitations in texas is XXXX years XXXX XXXX  account number XXXX and XXXX XXXX  XXXX is over XXXX years old. this violates my rights.

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 2023-07-04
Company: EQUIFAX, INC.
State: NE
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:
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 repair these inaccurate items in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-05-28
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: Account information incorrect

Complaint:
XXXX XXXX  issued a VISA Credit Card through XXXX XXXX to me a few years ago and they harassed Me constantly with phone calls 7 days a week, several times a day. I told them to stop, then they turned my account over to a debt collection company who took Me to Court and secured a judgement against Me. Their position is for Me to pay the entire bill including late fees, interest and other misc. fees or they will levy a lien against My assets. 
I called them several times and they are impossible to talk with, all they want is money, not interested in solving the problem. 

In these uncertain times, this is No way to treat a XXXX XXXX Vet who is XXXX but still works. I did My best to keep XXXX satisfied with my ability to pay what I could afford, and they went in a direction that now impacts my credit and well being of my assets in My Bank Accounts. This type of activity should not be allowed and I ask the FTC to treat their actions as discriminatory against Veterans with 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 2023-05-22
Company: EQUIFAX, 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 fair credit report act, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, Texas Attorney General Office account # XXXX. Texas Attorney General Office account # XXXX, has violated my rights.

15 U.S.C. 1681 Section 602A States I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: EQUIFAX, INC.
State: GA
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 hope everything 's going alright! I sent you a dispute letter on XX/XX/2021, but I haven't heard anything from you, and its been over XXXX days already. I await for your response and I need those errors on my report to be deleted as soon as possible. I am reattaching my most recent dispute letter so please check and conduct a proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
it was opened 2008 XXXX credit card Balance ... XXXX acc..XXXX from. Portfolio Recovery ... XXXX This was not me. someone stoled my information. I was told couple of years ago this was all charged off and was done, now here we go again, filed paperwork before for this to stop, about 2 years ago. And the won't leave me alone.. 

XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
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 status incorrect

Complaint:
Experian is showing a credit card account as " charged off '', which is negatively affecting my credit score. XXXX XXXX incorrectly closed my credit card and reported the credit card as " charged off '', which caused the credit agencies to adversely lower my credit score. I contacted XXXX XXXX about the mistake and was informed a letter was sent to the credit reporting agencies, informing them that my name has since been removed from the card and my responsibility for the card has since been terminated. This incident occurred in the summer of 2017. The incorrect information is causing irreparable harm in searching for a mortgage lender. I spoke to a lender about refinancing my home and the lender stated that there was some negative XXXX XXXX information on my credit report. The reported Experian score is approximately 50+ points lower than my other two scores.

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 2020-05-28
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In early XXXX, I received an alert that I had a delinquent account and that my credit score had been severely negatively impacted. A few days later, I received a notice that I had a collection/delinquent account with XXXX. I had terminated my account with XXXX in late XXXX. In late XXXX or XXXX of XXXX, I challenged this delinquency/collection through the process offered online through one of the three credit reporting agencies dispute resolution services. According to that process, XXXX had 45 days to respond ( if I remember correctly ),  and if they did not, then the debt would be wiped away. Well, that deadline passed without a notification or explanation from XXXX, and I noticed that the debt had been dropped from my credit reports and that my score jumped substantially. A couple of months later, I received another collection notice, for the exact same amount of money, from a law firm that had purchased the delinquent account from XXXX. Given that this debt was already wiped away, how can I be pursued again for it?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation