BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
After filing and identity theft report with the FTC regarding attempt to gain credit access, accounts were not opened but inquiries were still placed. Sent XXXX, XXXX and Transunion Method of Verification Letters. Requesting who, when, documentary evidence, and title of the alleged creditor, they conducted an investigation with since they claimed accounts were verified I have not received any evidence. inquiries and an account XXXX  account being disputed was just updated and verified again with no proof. 15 USC 1692j furnishing deceptive forms, when XXXX and XXXX mailed forms with claims that accounts were verified, they violated federal law. Federal law requires and investigation as conducting interviews not scanning through eoscar. I am a federally protected consumer and natural person and these credit agencies are civilly unwilling to comply 15 USC 1681n

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am XXXX XXXX XXXX XXXX that received the student debt relief and the debt has been removed off of my XXXX but, it is not being reflected/updated on TransUnion or XXXX. My overall debt is still showing and reflecting the student loan amounts. 

I was awarded the XXXX XX/XX/2023.

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 2022-07-19
Company: Experian Information Solutions Inc.
State: CA
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 submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts 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 # XXXX, XXXX, XXXX and I'm including it again. 
XXXX XXXX XXXX : {$7700.00} XXXX XXXX XXXX XXXX {$150.00}

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 explanation
Consumer complaint received 2020-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 canceling credit monitoring or identify theft protection service

Complaint:
I opened a predatory Credit Card with XXXX back in XXXX of XXXX. In XXXX of XXXX I fully paid the card off and requested for the card to be closed. 

I spoke with a XXXX XXXX who stated that she will waive the {$9.00} closing fee and close the card. She assured me that the account would be closed and I would not accrue any interest on this account anymore. 

Fast forward to today, I got an alert from XXXX XXXX stating the account is in arear for non payment. I was shocked that there was a balance and that the account was not closed. 

I called and spoke to Multiple Supervisors and they are unwilling to assist me and have been very rude. 

This has affected my credit score and after I made the initial call, they reported me again, I found my account to still be open with a balance that was double the amount and my credit score dipped more. 

This account was fully paid off in XXXX and should have been closed since then. 

You can reference XXXX XXXX at 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 2022-07-19
Company: Experian Information Solutions 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 the several times I've complained about being a victim of identity theft. You must remove/block any items that 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 information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2017 XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX Balance : {$360.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11
Company: Kriya Capital, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Credence Resource Management XXXX  account : # XXXX now listed under XXXX XX/XX/2023 To Whom It May Concern, I sent the first debt validation letter to Credence Resource Management on XX/XX/2023. I waited more than 30 days before sending a second debt validation letter. This letter was sent on XX/XX/2023. Credence Resource Management did not respond to either debt validation letter sent. On XX/XX/2023, I received a Fraud Packet along with a letter dated XX/XX/2023 from Credence Resources Management. The last correspondence I received was dated XX/XX/2023, which was a letter stating We received your dispute on the above XXXX  account. We have investigated your dispute and verified that the charges on your account are valid. This is a stall tactic and again, Credence Resource Management has failed to provide the debt validation required by Federal law, under the Consumer Protection Act. To date, XX/XX/2023 has not completed my initial request for debt validation which was sent on XX/XX/2023 ; therefore, the debt must be removed from my credit file immediately. Credence Resource Management has had over 90 days to complete the required debt validation letter which they have not. 

Finally, I am not a lawyer, but Im pretty sure this is a direct violation under the Consumer Protection Act. XXXX XXXX, XXXX, and Credence Resource Management were all attempting to collect on the same account. Not one of the companies above have completed the debt validation required by Federal Law, under the Consumer Protection Act. Therefore, every collection agency listed Credence Resource Management, XXXX, and XXXX XXXX must be removed from my credit file immediately. I have enclosed all of the correspondence I sent and received from all the companies listed above. XXXX XXXX also is using this same stall tactic and requesting I complete a fraud packet. As I have stated to XXXX XXXX, I am not completing any additional information as I do not have a contract with XXXX XXXX XXXX, nor Credence Resource Management. Again, none of the companies listed above, as of today, XX/XX/2023, have not provided the required by Federal law ; the debt validation letter I sent them each on XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27
Company: ID Analytics, Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
As of XX/XX/2023, I have sent letters asking the reporting agencies to remove incorrect addresses as well as my name that is reporting incorrectly. In the letter, I asked that this information be corrected and that I received a letter stating it has been corrected. When I went to pull my credit reports, this information has not been corrected nor have I received a letter stating they have done so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19
Company: Experian Information Solutions Inc.
State: CA
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 submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts 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 # XXXX, and I'm including it again.

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 2022-07-19
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Account # XXXX, XXXXXXXXXX****, 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 : Also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2022-07-19
Company: Experian Information Solutions Inc.
State: CA
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:
DeptedXXXXXXXX, DeptedXXXXXXXX  DeptedXXXXXXXX DeptedXXXX, DeptedXXXX, DeptedXXXX DeptedXXXX DeptedXXXX DeptedXXXX DeptedXXXX DeptedXXXX, DeptedXXXX, DeptedXXXX, DeptedXXXX DeptedXXXX  In accordance with 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 a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
On XX/XX/XXXX, two letters were sent to transunion. This is part of the letter sent by XXXX XXXX, requesting a correction because her credit file does not show up under her social - it shows up under her daughters social. Additionally, her daughter ( XXXX XXXX ) sent a letter requesting to have her mothers items removed from her credit report. As of today, XX/XX/XXXX, Transunion removed SOME of the accounts from XXXX 's credit report but not all. XXXX 's credit report also still has all of XXXX 's information on it, stating the wrong names, addresses and the wrong date of birth. As of this time, nothing exists under XXXX 's social so that problem has not been rectified despite multiple calls and two clear requests sent in writing. 

XXXX XXXX MISSING FILE NUMBER XXXX XXXX Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX Dear TransUnion, I am writing to dispute the following information on my TransUnion consumer report for these reasons : o My entire credit report is missing. 
o All of my credit items are listed under a different social/name.

o My social security number is NOT in Transunions system.

o All my credit inquires are being posted on a file that does NOT belong to me.

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 2023-08-11
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to file a formal complaint against Experian, one of the major credit reporting agencies, for their failure to process my dispute within the stipulated 30-day timeframe, as mandated by the Fair Credit Reporting Act ( FCRA ). I find this situation deeply concerning and hope that your intervention will help rectify this matter promptly. 

On XX/XX/2023 and on XX/XX/2023, I submitted a dispute to Experian 's, reference attached letters, regarding inaccurate information on my credit report. The discrepancy pertains to names that are not mine, addresses that are not mine, an incorrect accounts, incorrect late payment and one account that I didnt open. Understanding the importance of maintaining accurate credit information, I promptly initiated the dispute process to rectify this situation. 

Despite the statutory requirement that credit reporting agencies investigate and resolve disputes within 30 days, I am dismayed to report that Experian has not taken any action on my dispute within this timeframe. As of today 's date, it has been more than 60 days since I filed my dispute, and I have yet to receive any communication or updates from Experian regarding the resolution of this matter. 

I want to emphasize that the accuracy of my credit report is essential for my financial well-being and my ability to access credit on fair terms. Experian 's failure to address my dispute in a timely manner has caused unnecessary stress and frustration, and I am concerned that this delay could have lasting negative implications for my creditworthiness. 

I kindly request that the Consumer Financial Protection Bureau intervene on my behalf to ensure that Experian promptly processes my dispute and provides me with a written response detailing the investigation 's outcome. I also urge you to take appropriate actions to ensure that Experian complies with the FCRA 's requirements moving forward, as this situation highlights a disregard for the rights of consumers like myself. 
Enclosed with this letter, please find copies of relevant documentation, including proof of my dispute submission and any supporting evidence regarding the inaccuracies in my credit report. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will work diligently to address my complaint and hold Experian accountable for their failure to adhere to the FCRA guidelines. I look forward to a swift resolution and appreciate your assistance in rectifying this issue. 

Sincerely, 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 2022-07-19
Company: CCS Financial Services, Inc.
State: MO
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:
I have filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I haven't received any investigation results.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: TMX Finance LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Loan payment wasn't credited to your account

Complaint:
I opened a title loan on XX/XX/2018. I was referred by my parents. They had a title loan with the same company previously with no problems. When I went to get my title loan, everything went smoothly. I was told that the printer wasn't working so I couldn't get a copy of my paperwork. This should have been a red flag, but I didn't catch it. My mother was with me and can testify to the fact that I was told this. I've been making my payments regularly. I renewed my loan in XXXX. Once again making regular payments. I've asked twice what my payoff was and both times were told the same number within a few dollars. That's when I suspected something was wrong. I can't make payments for 5 months and make no progress on my loan. Payments made were 200 to 300 dollars every month. This past Monday, I transferred money to my mother so that she could make my payment. I transferred {$200.00}, she took out the cash and made the payments. While she was there, she noticed that there's an app for the Title Loan company. We downloaded the app and checked on my account. This is when I noticed that I was only credited for {$40.00} to my account. When she pulled the receipt from her purse, it was an old receipt reprinted from XXXX showing a {$200.00} payment with a women 's name, when she made the payment to a man. When he gave her the receipt, she only looked to see that my account was credited and that the amount was correct. It was only when we saw that my payment was short did we look at the entire receipt. I realize that this is my word against his but this is the truth of what happened. I don't know how long my account has been skimmed but I want a forensic accounting and my account closed. I would love to file fraud charges against the man and the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Resurgent Capital Services L.P.
State: NY
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:
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information Prohibition ( A ) Reporting information with actual knowledge of errors XXXX not furnish any information relating to XXXX XXXX reporting agencyif thepersonknows or hasreasonable cause to believe that the information is inaccurate. 

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 

Prohibition : a law or regulation forbidding something

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was scammed trying to sell something XXXX XXXX XXXX. I was told I need to upgrade to a business account and sent over {$200.00} to a scammer. This was through zelle and I called my bank and they said theres not much they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I became a victim of fraud in XXXX of XXXX. Fraudulent payments were made on my credit card which later bounced and resulted in unwarranted fees and interests. Barclays agreed to issue a new card and reverse the fees and interests but was never received. 

On XX/XX/2022, a fraudulent payment of {$1300.00} was made from an unknown bank, which later resulted in insufficient fund reversal. 
On XX/XX/2022, the payment was reversed and {$1.00} finance charge adjustment was made. 
On XX/XX/2022, a resubmit payment of {$1300.00} was made, again not by me, which later resulted in insufficient fund reversal. 
On XX/XX/2022, {$39.00} return payment was charged. 
On XX/XX/2022, a fraudulent payment of {$200.00} was made from an unknown bank, which later resulted in insufficient fund reversal. 
On XX/XX/2022, a fraudulent payment of {$1100.00} was made from an unknown bank, which later resulted in insufficient fund reversal. 
On XX/XX/2022, a resubmit payment of {$200.00} was made, again not by me, which later resulted in insufficient fund reversal. 
On XX/XX/2022, a resubmit payment of {$1100.00} was made, again not by me, which later resulted in insufficient fund reversal. 

On XX/XX/2022, I discovered the issue and made a legitimate payment from my own account. 

On XX/XX/2022, I was charged {$7.00} FINANCE CHARGE

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 2020-11-05
Company: JPMORGAN CHASE & CO.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted financials and request for mortgage assistance with my Chase my mortgage company. Chase was processing my request for mortgage assistance when my home was sold at a property auction. I read when the Loss Mitigation dept. is processing a request for mortgage assistance the foreclosure sale is to be put on hold until the homeowner receives a denial from the mortgage company. Also the homeowner is given 30 days and a opportunity to appeal denial for mortgage assistance. I do not want to lose my home. I am requesting this wrongful foreclosure be undone, I feel I was discriminated against because of being elderly and a XXXX man. Chase has been unwilling to assist me with saving my home they are rude and not caring. 
I need Help, Help

Company response to consumer: Closed with explanation