BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In XXXX of XXXX  my credit was frozen with all three credit bureaus ; XXXX, XXXX and TransUnion. I did not unfreeze my credit. 
TransUnion allowed a loan to be put on my credit report with them in XX/XX/2022 by a Dividend Finance using a forged DocuSign document created through identity theft. 
I have notified TransUnion multiple times over the past year despite their webpage not functioning up to the standard the law sets for Credit Reporting Agencies. They were made aware of this security issue and the failure of TransUnion to maintain my security freeze and also allow for someone to use my personal information to place a loan illegally and fraudulently through identity theft.

TransUnion did not maintain my security freeze. TransUnion allowed a forged DocuSign document to continue to repeatedly report a fraudulent loan on my TransUnion report despite being notified of the fraud. TransUnion still is reporting the fraudulent loan on my TransUnion credit report despite being notified multiple times, through multiple ways, that the loan is fraudulent and never should have gone on my TransUnion report during a time of security freeze. 
TransUnion actively chose to repeatedly break the law. 
TransUnion 's website ( webpage ) still does not function. 
TransUnion has repeatedly placed a loan on my TransUnion credit report that they know : 1 ) was created when my credit with TransUnion was supposed to be frozen.

2 ) was created using a forged DocuSign document 3 ) was created via identity theft 4 ) TransUnion does not maintain a functioning webpage where a consumer ( myself ) can manage disputes, fraud reports, security freezes, consumer statements or anything legally required of them.

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 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX this company reported that this account was closed by grantor and this account was charged off. And also reported a late payment for XX/XX/2023 and XX/XX/2023. That is not true I called and closed this credit card myself cause i no longer use this card .When i closed this card XX/XX/2023 it was in good standing with XXXX balance and no late charges this year at all .Thank u

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 2023-03-14
Company: EQUIFAX, INC.
State: PA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-02-07
Company: Experian Information Solutions 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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

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 2023-03-14
Company: ENCORE CAPITAL GROUP INC.
State: IL
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 XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: Bread Financial Holdings, Inc.
State: AZ
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 have NEVER been late with my XXXX  credit card payment and it was listed as being XXXX days late, so I disputed this and was told I was wrong, which is not true so I resubmitted my dispute and am being being told that I cant

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Collector XXXX XXXX with XXXX XXXX contacted me, my father and my sister in law all in a matter of a few minutes. Left a voicemail for me and my sister in law stating there was allegations of fraud against me in my county 's district court. Spoke to my father and told him the same thing. The company does not have my permission to contact my family members and she has done so on numerous occasions ( XX/XX/XXXX and XX/XX/XXXX ). Only XX/XX/XXXX when she spoke to my sister in law she disclosed my personal information including my date of birth and address to her. These are violations under the Fair Credit Reporting Act.

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 2023-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
In accordance with the fair credit reporting ac XXXX  Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Upstart 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 applied loan to " Upstart.com '' and i was denied, and the reason i was denied according to Upstart was, " They are unable to verify my ability to repay the loan base on XXXX XXXX XXXX, The Disclosure to use my information that they obtained from an outside source which is from the consumer reporting agency as part of the considaration of my application. '' My question is how come the reporting agency disclosed wrong information to the Upstart.com that i dont have ability to repay? On my file in credit Bureau i have a late payment record for 3-4 months on my XXXX Credit card because that was COVID 19 but after 5 months i fully paid my XXXX credit card. I didnt owe even {$10.00} to any bank or company in the whole world. And why the Consumer reporting agency disclosed wrong to all company when they verify my credit, that i dont have ability to pay., that's why I never approved. And now i know the reason i always denied everytime i applied credit card or loans that because the consumer reporting agency disclosed wrong info, and that is against the Law. 
I always thinking why, how come i am denied, i dont know whats the reason. All my friends was always approved even they have negative report worse than my credit report. Pls investigate and remove it in my file the negative hidden words " I dont have ability to repay '' thats why i always denied on any loan application, they hide from me and they report it to any bank and company that check my credit files Please help me why they do it to me. Please investagate why? Its not fair, i am suffering. Im so sad, they abuse me. Why, i am not a bad person, never ever commit any crime in my whole life. Never ever went to the court even ticket problem. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit 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:
RE : Transaction Date XX/XX/2023 Merchant name : XXXX XXXX in the amount of {$410.00} Chase website did not allow me to open a dispute against aforementioned merchant in aforementioned amount, therefore I called Chase on XX/XX/2023 to open dispute against aforementioned merchant in the aforementioned amount. 
Chase Representative additionally refused to let me open a dispute on aforementioned transaction but promised an investigation will happen to ask merchant to refund my account. No more than 30 minutes after this phone call I received an email letter from chase stating we resolved your dispute. Nothing was resolved, nothing was refunded, What a farce and a Sham. Chase did nothing to resolve my dispute, chase refused to open a dispute and you refused to let me upload supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
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:
In accordance with the fair credit reporting act XXXX  Account # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2021-05-04
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax has not updated my credit report, score nor have they remove or deleted any of the inaccurate information. I filed a dispute on XX/XX/2021. In regards to the incorrect items on my credit report and it has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX, I filed a complaint with the CFPB because its impossible to access TransUnion 's dispute page ( their server is ALWAYS down ) about a closed account, XXXX XXXX XXXX that should have been removed ACCORDING TO TRANSUNION 'S OWN CREDIT REPORT. 

They replied back through CFPB that they're still " investigation '' and will reply within 60 days. 

How preposterous! What an egregious abuse of power when all they had to do was look at their own report. 

Of course, as usual, the CFPB does absolutely nothing!!!

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 2023-10-24
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit 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:
RE : Transaction Date XX/XX/2023 Merchant name : XXXX XXXX  in the amount of {$410.00} Chase website did not allow me to open a dispute against aforementioned merchant in aforementioned amount, therefore I called Chase on XX/XX/2023 to open dispute against aforementioned merchant in the aforementioned amount. 

Chase Representative additionally refused to let me open a dispute on aforementioned transaction but promised an investigation will happen to ask merchant to refund my account. No more than XXXX minutes after this phone call I received an emailed letter from chase stating we resolved your dispute. However, nothing was resolved, nothing was refunded, What a farce and a Sham. Chase did nothing to resolve my dispute, chase refused to open a dispute and you refused to let me upload supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Nelnet has failed to report to the credit bureaus, the correct balance on my student loan account for the last 2 months and is soon approaching the 3rd. 

The account is now paid in full and payments made in XXXX and XXXX are not posted the balance shows {$6900.00}, my XXXX balance, with 4 added payments made since then to zero the loan. 

Reference my previous CFPB report XXXX. Nelnet has severely mismanaged the unnecessary consolidation of accounts ( XXXX XXXX  into Nelnet ) and delayed my payments now they are FAILING to report to the credit bureaus. 

In ADDITION, the previous Great Lakes reporting and payment have disappeared from Nelnet last report on XX/XX/2023. I have paid {$40000.00} in total payments and to today history reports only {$6900.00} ever borrowed reported to the credit bureaus. 

Again, today 's balance is now XXXX but I have ZERO confidence Nelnet will ever report anything correctly to the credit bureaus. I have filed disputes with XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit 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:
RE : Transaction Date XX/XX/2023 Merchant name : XXXXXXXX XXXX in the amount of {$410.00} Chase website does not allow me to open a dispute against aforementioned merchant in aforementioned amount, therefore I called Chase on XX/XX/2023 to open dispute against aforementioned merchant in the aforementioned amount. 

Chase Representative additionally refused to let me open a dispute on aforementioned transaction but promised an investigation will happen to ask merchant to refund my account. No more than 30 minutes after this phone call I received an emailed letter from chase stating we resolved your dispute. However, nothing was resolved, nothing was refunded, What a farce and a Sham. Chase did nothing to resolve my dispute, chase refused to open a dispute and you refused to let me upload supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: Security Credit Services, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTE : I am no liable for this account since my information was used by a family member, XXXX has sent me a " Lease agreement '' with date of transaction, with my " electronic '' signature not it. No hand written signature provided which does not prove I signed that lease.

I have sent multiple letters to XXXX, XXXX, and XXXX in regards to this debt. I have asked them multiple times to " Verify '' this debt. The first time they have removed it. I believe a couple weeks later they have added the debt back on to my credit report, then removed then added, which has significantly damaged my credit score after hard work of building it. XXXX has done this multiple times which resulted in decreasing my score significantly. I have sent them a re-insertion letter, explaining that if they had already removed a collections account that is still " Unverified '' that it should stay removed under FCRA! I am currently in the process of getting this account removed from my credit report since, 1. I am not liable for it.

2. it is stopping me from establishing good credit.

I have also contacted via letters the creditor directly so they can also verify this account.

Debt is listed on all 3 of my credit reports under : Security Credit Services - Amount is {$820.00} Original Creditor 09 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: AES/PHEAA
State: TN
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 have sent dispute letters to Fed Loan Servicing. They have never validated the debt as requested. The only thing they have done was make a remark on my credit report. As I have stated to this company DOES NOT have my permission to report any information to the credit bureau. This is a VIOLATION OF 15 U.S. 1681 ( a ) ( 4 ), 15 U.S. 1681a ( 2 ) ( B ) and 15 U.S. 1681b ( a ) ( 2 ). I was never given the opportunity to decide if I wanted my information reported. That is in reference in the XXXX XXXX XXXX XXXX ( 15 U.S. 1681a ( 2 ) ( A ) ( III ). VIOLATION OF 15 U.S. 1681 ( a ) ( 4 ). Fed Loan Servicing is not reporting accurate information. On my XXXX credit report, there is an " X '' placed on dates XX/XX/XXXX and XX/XX/XXXX where the data is unknown. I have supplied the XXXX XXXX for XXXX. If the data is unknown, this is not 100 % ACCURATE! That is a violation of 15 U.S. 1681e ( b ). Fed Loan is also in violation of compiling, furnishing, misleading, false and deceptive forms. That is in violation of 15 U.S. 1692J. Pursuant to 15 U.S. 1692K, Fed Loan must comply to any provisions to make my credit report compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: Experian Information Solutions Inc.
State: GA
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 recently applied to refinance my car and I got denied. I don't understand why I would be denied because my income and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand how this could happened but these items are not mine and they all need to be deleted from my credit report. Chapter XXXX Bankruptcy, Chapter XXXX Bankruptcy, XXXX XXXX. XXXX XXXX, XXXX/XXXX, XXXX/XXXX XXXX XXXX, XXXX/XXXX, XXXX/XXXX, XXXX, DEPTEDXXXX, XXXX XXXX XXXX, US DEP ED, DPT ED/XXXX,  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX, DPT ED/XXXX, XXXX XXXX XXXX. INQUIRIES : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX 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 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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