BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
On XX/XX/XXXX I sent a certified letter tracking # XXXX to your company demanding an investigation into the accuracy and validity of the following accounts and credit inquiries Please be advised that I have not received any communication in response to my initial letter, and under section 611 of the FCRA [ 15 U.S.C. 1681i ], credit reporting agencies must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file, before the end of the 30-day period beginning on the date on which the agency receives notice of the dispute from the consumer. If a creditor or credit reporting agency does not respond to a dispute or verify an account within 30 days, the account must be removed. 
1. Credit inquiry from XXXX XXXX XXXX XXXXXXXX XXXX 2. Credit inquiry from : XXXX XXXX 3. Credit inquiry from : XXXX XXXX  XXXX Credit inquiry from : XXXX XXXX XXXX XXXX 5. Credit inquiry from : XXXX XXXX XXXX  XXXX 6. Credit inquiry from : XXXX XXXX 7. Credit inquiry from : XXXX XXXX XXXX VIA XXXX XXXX XXXXXXXX 8. Credit inquiry from : XXXX XXXX ALSO IT IS OUTSIDE OF THE STATUE OF LIMITATIONS OF 2 YEARS AS OF XX/XX/XXXX. 
9. Credit inquiry from : XXXX XXXX VIA XXXX XXXX Therefore, I am demanding that due to your companys violation of section 611 of the FCRA , the accounts and inquires listed in the original complaint are permanently removed from my credit report, effective immediately. 
Please note that I am aware of my consumer rights as outlined in the FCRA [ 15 U.S.C. 1681s ], which grants me the right to recover a civil penalty in the amount of {$2500.00} for any company or person who violates the FCRA United States Code. I am also aware that I have the right to seek {$1000.00} per violation as outlined under section 616 of the FCRA [ 15 U.S.C. 1681n ] for each company who obtains a copy of my consumer credit report without my consent. If this account is not deleted from my credit profile, I will file a complaint with the XXXX, CFPB, and will seek civil penalty from the Civil Penalty Fund as outlined in the XXXX Wall Street Reform and Consumer Protection Act of 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 2022-05-28
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I canceled this credit card over a month ago and it was {$0.00} balance when I did but for unknown reasons they still charging me even when the card is canceled

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Carvana Group, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Re : Account # XXXX, Vehicle : XXXX XXXX XXXX I have sent CARVANA, LLC, and XXXX XXXX XXXX XXXX XXXX a Notice of Pre-Arbitration. I have been attempting to rectify a matter with them on this alleged debt since approx XX/XX/XXXX. CARVANA hides behind the false, misleading, and deceptive practices of its consumers, debtors, and holders in due course. XXXX XXXX XXXX XXXX XXXX attempts to collect on an alleged debt in which I have no contract dealings/assignment with. Both companies who are associated with one another have violated in many ways. They have violated State and Federal laws such as the Fair Debt Collection Practices Act, Consumer Credit Protection, Claims to an Instrument, Truth-In-Lending ( regulation Z ), Preservation of Consumers Claims and defenses, Billing error, and many more. Notice of Pre Arbitration has been delivered and signed for at three locations in which they both operate from. 

Tracking ID : Tracking number XXXX XX/XX/XXXX, XXXX XXXX XXXX AZ Tracking ID : Tracking number XXXX XX/XX/XXXX, XXXX XXXX, AZ Tracking ID : Tracking number XXXX XX/XX/XXXX, XXXX XXXX, AZ

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Billing dispute for services

Complaint:
Transunion, XXXX, XXXX : While I opted into use these services ( by way of signing up for credit lines ), I really had no choice. There has now been a data breach caused by their ineptitude, where my details are now for sale on the XXXX market, and yet I am expected to PAY to freeze my credit and protect myself. 

I could not reasonably avoid sharing my data with these companies, but I 'm expected to pay to protect the data they took from me and lost?

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 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Just like the commercial said I should I got a copy of my credit report and there are things that just arent accurate on it. I am greatly concerned because I am a good paying person and dont want people to think otherwise because of these mistakes that are on your report about me. Please fix the following items so anyone who looks at my credit report will see what a good payer I am. I thank you so much for taking the time to help me fix this all up as the commercials said you would be helpful in fixin this kind of stuff. Remove the late dates and negative status of these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12
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:
XXXX XXXX XXXX XXXX XXXX has done it again. and wonder why I have to furiously dispute as they claim which is ilegalc cause even after almost 6 years has passed and they are still reporting inaccurate, inconsistent, and unfair data to my credit files! Why and how have they gone this far and not been imprisoned for their actions that are absolutely illegal. Well we shall see when the Judge has all the facts. Guess what yall?! More violations from the the XXXX XXXX XXXX. 

Violation # 1 Improper and inconsistent first date of delinquency does not match! So XXXX XXXX one is wrong or right?! Lets look a their bogus bill and see! 

Violation # 2 How can the first day of delinquency br on the same day the services were provided? So they are all wrong - these XXXX  cant seem to get it right after all these disputes! its their bills that probe its all wrong!

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 2022-12-12
Company: Experian Information Solutions Inc.
State: AR
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:
Recently I disputed an account with XXXX and XXXX replied back saying that the account was verified. 



However, XXXX have stated a complete lie and has failed to do a proper investigation. 

XXXX. XXXX XXXX XXXX XXXX XXXX is listed on my XXXX credit report as a XXXX XXXX account when its an old utility account. If the proper investigation was done whom did XXXX get this information from that it was a XXXX XXXX  case? 


XXXX. Not only is it an utility bill but the account is charged off as well reporting with a {$950.00} balance. How is that possible? 


Its clear that XXXX is violating my rights under the FCRA and gave refused to correct their unlawful practices after many attempts which is defamation of character and a hindered to 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 non-monetary relief
Consumer complaint received 2022-01-26
Company: World Acceptance Corporation
State: AL
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:
I was notified through a credit check company I use that World Acceptance Corporation changed the status of a loan I had with them from current to PAST DUE ..This was from XX/XX/2019 ..I was notified by the service that this is unusual so I should check my payment history carefully..I believe this was don't because I have not been back in to refinance a loan with them and XXXX  because I am not able to answer the phone 10 times day when they call because I am at work..I believe this has been done on all of my loan accounts I have had with them..They also run your credit report multiple times per year causing multiple inquiries on your report even though you are currently under a loan with them..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : 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

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 2022-01-26
Company: Coinbase, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX.io ( the Fraudsters or Company ), with the design, development, manufacture, promoting, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. The equivalent of 19,000 USD was transferred from my wallet utilizing Coinbase services

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Around 6 months ago Bank of America randomly sends me a letter saying I am 3 payments late and this will be sent to collections. I hadnt used this credit card for a while now and they never sent any letters telling me I had anything due. XXXX XXXXXXXX was the company charging me even after I canceled my membership with them a few months prior to this. I did everything they told me to do and they stated in person that I no longer had a membership with them. So 6 months ago when this first happened I reported fraud since it wasnt me making those charges and Bank of America credited my account but never did anything about my credit score.. and then they opened a credit card again without my permission. When I reported fraud I told them I want to close my account with them and didnt want a new one but they opened one anyways. Now three months ago they send the exact same letter only with a larger amount due thats also three payments late. I called them and said how is this possible, I dont have a credit card with you. I closed it already and the lady said that someone opened a new one after the fraud claim. Ive been to XXXX XXXX numerous times and they tell me I do not have a membership so I do not understand why they continue to charge me. Ive already put up a dispute against XXXX XXXXXXXX. Both Bank of America and XXXX XXXXXXXX caused my credit score to drop XXXX points. If Bank of America had sent me a bill when they were supposed to ( Im not even set up for electronic statements ) then this could have all been avoided but instead they are ruining the excellent credit score I had over their mistakes.

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 2018-09-13
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
This man called Mr XXXX XXXX ( check said XXXX XXXX - XXXX ) from a California number XXXX XXXX XXXX One main financial That is who he claims to be and claims to help people with no and low credit get loans he promised me a {$6.00}, XXXX loan but because my account is in the negative he had to bring it to the positive in order to give me the {$6.00}, XXXX so he deposited ( yes he required my login and password to my account to do this or threatened that I wouldn't get a loan ) and then he deposited a {$980.00} check literally logged into my account and deposited this check from a closed account causing me financial hardship literally I owe the bank so much money now because of this. I have so much evidence I have every text message phone call I even recorded a few conversations as well as the pictures of the checks I would just like for you guys to catch this guy who is a horrible man scamming people who are already broke already in turmoil who can not get help and can not afford mistakes and scams like this. Please can me an email or something a caseworker I will send you everything. XXXX refuses to give me an account now they literally closed my account because this man tried to cash a closed account check.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Experian Information Solutions Inc.
State: NY
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 made a dispute about a credit report collection with Experian they investigated and reported that they were satisfied with collection bureau response. I requested a debt validation from the collection bureau and the sent me a letter with a different name. I confronted Experian with that information they refused to delete the collection or provide good explanation. I therefore ask that delete that account or provide me and you with plausible reason for keeping it in my credit 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 2022-01-26
Company: TD BANK US HOLDING COMPANY
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: Account information incorrect

Complaint:
My target red card that was closed a few years ago but they are still reporting as my account is late every month. Which is causing my credit to keep going down. I settled with them to pay a lesser amount to clear my debt but they are only showing what I paid instead of clearing the debt like we talked about which is causing my account to still keep reporting late when the account been closed. I paid the debt XX/XX/2021.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-26
Company: AMERICAN EXPRESS COMPANY
State: CA
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 disputed a charge from XX/XX/21 from XXXX on this card. This company and its associated airline are a fraud and American Express is enabling them : They changed my flight time to 12 hours later and then changed it to 24 hours later the next day. I tried several times to call the airline customer support to get a refund before the day of flight and they either never answered the phone or pretended not to hear me and hung up. XXXX was the same. Neither had an email address, just phone # s. I then went to the airport and I was told the flight was cancelled ( confirmed by the attached email I received ) but they could not refund my ticket and I would have to call the non-functional customer service! This is a scam. In XXXX XXXX 's terms it states I can get a refund for cancellations clearly. I had to take a more expensive flight the same day because it was impossible dealing with these two companies. It's really shocking how poorly American Express treats members of its most expensive platinum card. I will be cancelling this if the situation is not corrected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-24
Company: EQUIFAX, INC.
State: MD
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: EQUIFAX, INC.
State: IN
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: STERLING JEWELERS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
X/XX/18 XXXX XXXX XXXX XXXX XXXX-I responded and was hung up on XXXX XXXX No message was left however I received these calls all within one day. I understand that there is financial responsibility however 6 calls completely unnecessary. These calls took place during hours of work and have cause disciplinary action on my employers behalf.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
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: Their investigation did not fix an error on your report

Complaint:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I am a federally protected consumer and my rights have been violated. Please review the attachments to see my complaints.

Company response to consumer: Closed with explanation