BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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've asked the credit. bureau to disputed these debts that was reported on my credit report the lack of response to my dispute is a violation a 15 U.S. code 1692g which stipulates that debt collectors should provide documentation proving that these are my debts. It's also important to know that reporting of this debt is a blatant violation of the FDCPA 1692g as it was reported to TransUnion even though I did not receive any written notice of it. The reporting of this inaccurate and unverifiable debt and my credit report is also a disregard of FCRA section 623 ( a ) ( 1 ) ( a ) which requires that only accurate information is sent to the credit bureaus. I have attached the dispute letter that I sent to the Credit Bureau that contains the unverifiable debt that needs to be deleted by the credit bureau.

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 2018-11-21
Company: Experian Information Solutions Inc.
State: DC
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 disputed these accounts with Experian on ( XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. Experian has yet to provide a proper investigation, proof of validation or correct the account errors on these accounts. 

XXXX XXXX XXXX - Unverified Account / Unverified Late XX/XX/XXXX and XXXX Innaccurate Open Date ( XX/XX/XXXX ). This accurate open date is, XX/XX/XXXX per XXXX XXXX XXXX document that was sent to me. 
Note : I received one letter with just and open date and balance from this creditor. This is not proper validation or the account or 30-day /60-day late marks that they placed on my credit reports. 

XXXX XXXX XXXX- Unverified Account/ Unverified Balance/ Inaccurate Open Date Note : after months of disputing, I finally received a letter from this company with a bill for {$3500.00} an a copy of a lease on XX/XX/XXXX. They did not validate the date or provide me ownership of the count of and proof of the debt owed. This account, balance or ownership is not properly per the FDCPA

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 2022-07-18
Company: Experian Information Solutions 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 the Fair Credit Reporting Account XXXX XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX  # XXXX-XXXXXXXXXXXXXX Account XXXX XXXX XXXX # XXXX-XXXXXXXXXXXXXX Account XXXX # XXXX Account XXXX XXXX XXXX # XXXX Account XXXX BANK XXXX XXXX Account 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 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 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$31000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$52000.00}, XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$29000.00}, and XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$12000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-29
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: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize these inquiries on my account. Please see that following : XXXX XXXX, Inquiry Date XXXX XXXX  XXXX XXXX, Inquiry Date XXXX XXXX/XXXX, Inquiry Date XXXX XXXX/XXXX, Inquiry Date XXXX XXXX/XXXX, Inquiry Date XXXX XXXX/XXXX, Inquiry Date XXXX XXXX XXXX, Inquiry Date XXXX XXXX/XXXX, Inquiry Date XXXX XXXX XXXX  XXXX, Inquiry Date XXXX XXXX  XXXX, Inquiry Date XXXX XXXX XXXX, Inquiry Date XXXX XXXX XXXX, Inquiry Date XXXX These were reported to XXXX, XXXX  and Equifax. I have not gotten information back regarding my complaints. These items are still on my credit reports. 

Due to the inaccurate information reported by these companies, my credit has been severely damaged. I am requesting that this information be investigated and the findings corrected and or removed from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: Experian Information Solutions Inc.
State: MN
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 need to File a complaint on Experian I have asked them to investigate a XXXX XXXX account XXXX That is Not Familiar with me I had reached out to the creditor they tell me that the account was closed and couldn't provide any info to me I asked Experian to Please investigate this account and they have failed to do so. I'm going to asked you one more time before I file Legal action On experian if they DO NOT SEND ME PHYSICAL PROOF OF THIS DEBT! Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following account be verified or deleted immediately. 
XXXX XXXX XXXX THANK YOU 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 explanation
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
TRANSUNION is DEMANDED under the F.C.R.A and C.F.P.B.to exercise their GRAVE DUTIES to ensure accurate reporting in respect to a consumers RIGHT to PRIVACY. Under the Gramm Leach Bliley Act TRANSUNION is a FINANCIAL INSTITUTION, so I have exercised my FEDERAL RIGHT under 15 USC 6802 to OPT OUT of their NEGATIVE reporting on requested accounts. TRANSUNION is NOT required by law to report negative information. I have demanded TRANSUNION remove from my reputation negative accounts that are being reported by OBSCENE MATTERs of Racketeering in attempts to collect payment on finance charges when in fact the alleged debt has already been paid for under finance charge 15 USC 1605. TRANSUNION has stated to me they respect the consumer and Obeid by the CFPB guidelines but continue to violate me and violate the CFPB showing in fact a lack of respect to I the consumer and a lack of respect to the CFPB and continue to take part in Racketeering means with furnishers who have also been put on NOTICE. TRANSUNION has sent me a letter stating their RE-investigation has been completed this is in fact a STALL-TACTIC because I DID NOT REQUEST REINVESTIGATION. TRANSUNION IS BIAS IN THEIR INVESTIGATION. I DEMANDED DELETION IN RESPECT TO TRANSUNIONS GRAVE DUTIES RESPONSIBILITIES TO ENSURE RESPECT AND BANKING SYSTEM CONFIDENCE which they have not. Because of TRANSUNIONS WILLFULL FEDERAL VIOLATIONS I have lost confidence in the banking systems and I will NO LONGER extend my credit UNTIL THIS MATTER IS RESOLVED. I DEMAND TRANSUNIONS TO ACT IN GOOD FAITH AND SHOW RESPECT TO I THE CONSUMER AND SHOW RESPECT TO THE C.F.P.B. and perform accordingly and delete demanded accounts permanently.

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 2022-07-18
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased a {$500.00} Vanilla Visa Gift Card, issued by Incomm, around XX/XX/XXXX at a XXXX gas station in XXXX XXXX. Before I even arrived home that day, within a few hours, my card was already entirely drained by a third party. I filed a dispute with Incomm, and they took 5 months to respond and tell me that they will not be returning the funds to me. They have effectively stolen my {$500.00} from me and left me without any recourse by selling me a compromised product. 

My case number with Incomm is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: BLINCLOANS, INC.
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
Called in to XXXX Blinc I am a long time on time paying customer spoke to a rep names XXXX XXXX requesting a refinance explained to her that I was laid off for several months but continued to make my payments on time and that I just started back working XXXX and wanted to set up the allotment to start refinance she said all I needed to do was add their routing and account number to my employee direct deposit I finally did reached back out to get the process started only to be told by another specialist I dont qualify I then requested a supervisor spoke to XXXX XXXX XXXX XXXX he assured me he would call me back same day XXXX after speaking to their IT dept for an override he never called back I explained to both XXXX XXXX XXXX that payments were still being made on time even after my layoff they both agreed XXXX throughout the course of helping assured me all I needed to do was add the routing and account number and the refinance would be processed then on yesterday XXXX after being added it was oh we cant help you need XXXX consecutive allotment payments made on time I said I want told that this entire time I only have 2 payments left why would I add them when I could just continue to pay out my personal account if I couldnt refinance received an auto reply email that stated you just needed XXXX on time payments the word allotment was never mentioned so technically I qualified. Ive made several email and a phone attempt to speak to XXXX today because I never heard back and they have gone unanswered. XXXX admitted to setting up the wrong expectation and tried to apologize its too late I am in need until I get about 2 paychecks from my new employer and the supervisor has yet to respond. I have proof of the auto reply email and conversation between XXXX and I again why would I go through the trouble of having my new employer add XXXX Blincs routing number and I only have 2 payments left starting XXXX  I could have kept paying out my personal account I only had it added for refinance purposes this company needs to do the right thing and honor my request

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX I

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-28
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I submitted a Balance transfer on XX/XX/22 and it was over 2 weeks before I received a response. Regions shared with me the balance transfer was cancelled. The agent entered the wrong information and I asked if the balance transfer could still be accepted since the 0 % interest promotion had already expired on XXXX/XXXX/22. The agent XXXX said she would request the promotion be reactivated and to call back in 3 business days ... after the 4th business day there still was no answer for my request # XXXX will submit request to research to have promo code XXXX Ticket Number XXXX and I was told to call back every day to check the status. However, I received notification that the balance transfer was processed however at the 24.99 % interest rate, so I called XXXX  XXXX XXXX again and spoke with XXXX, and she confirmed it was a 24.99 % rate, and this was not the agreement for the {$550.00} balance transfer, so XXXX put in another Request to the XXXX XXXX to adjust the {$550.00} balance transfer to be at the promotional rate of 0 % ... I also have the mailer indicating this promotion. 

Regions is known for false advertising and making customers jump thru hoops to get an answer and I am tired of Regions so please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-06
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In XX/XX/2020, I submitted letters to all three credit bureau 's as well as submitted a complaint through Consumer Finance and was advised to contact the companies directly to have the inquiries removed. I did not submit an inquiry to have my credit run for any auto loan and now I have several inquires posted on my credit report nor did I authorize my credit to be run.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
For over 3 months I have been communicating with the Credit bureaus.I had two public record bankruptcies on my credit report. I contacted XXXX filled a dispute and they deleted from their data awe and my consumer file. For 60days now Ive been getting the run around with the credit bureaus on deleting this from my credit report. Under the fair Credit Reporting act 604 Im asking for these public records be removed. XXXX as informed that they will be filling a manual dispute as well as a unverified clarification dispute also. I spoke with XXXX at XXXX On XX/XX/22 in regulates of this matter she informed that these filling will take additional 40-60 days which is unfair especially when these are not on my consumer report

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 2019-08-29
Company: Bread Financial Holdings, Inc.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I keep getting calls all day from Comenity Bank and XXXX XXXX. I explained I was out of work, but they are now calling family and friends. It is a nightmare with them. XXXX and XXXX are some of the numbers that call from. How do I file a complaint against them. Some threaten legal action. 

Here is voice mail from them on XX/XX/19 You received a voice message on Thursday XX/XX/2019 XXXX from XXXX Inbox x XXXX Attachments Thu, XX/XX/XXXX, XXXX XXXX to me, XXXX You have received a new voice message From : XXXX Date : Thursday XX/XX/2019 XXXX Length:86 seconds. 

This message is for XXXX ... this is Mrs. XXXX calling from Comenity Bank. I need to hear from you today. If you are represented by an attorney for this matter. Please have your attorney contact me today so we can discuss your situation and options that are available to you during (? ) the rain if you choose not to return this message I will be left with no choice but to continue efforts to resolve this matter. Please understand that it is my intention to insure this important matter is resolved before we are forced to escalate. Please contact me today at XXXX extension XXXX. Again I am in the office until XXXX XXXX Mountain Standard Time and my number is XXXX extension XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23
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:
To Whom this may concern, I am not responsible of this account. I am a victim of ID theft. People have used my information to open it and also make fraudulent activities. I have sent in multiple disputes and you guys claim it's been validated ; Therefore, I am invoking the Fair Credit Reporting Act Section 611 ( FCRA 611 ) ( 15 U.S.C. 1681I to ask that you provide me with the following information : 1. The date you contacted the creditor.

2. The contact information for the creditor.

3. The name of the person who verified the item to you.

4. The method of communication you used to verify this information.

and secondly There is a Collection on my report, you guys claim that is not there and I have verified that it's on my report. 
-- -XXXX XXXX XXXX, Date fraud began XX/XX/2023 Total fraudulent amount : {$1400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S. Code 1681, Account : XXXX XXXX Account number : XXXX Account : XXXX XXXX XXXX Account XXXX Account : Unknown Name Account number : XXXX 15 U.S. code 1681 section 602.A indicates, I have a right to privacy. 

15 U.S. code 1681 section 604.A indicates consumer reporting agency can not furnish an account without my written instructions.

15 U.S. code 1681c. ( a ) 5 section states : no consumer reporting agency may make any consumer reports containing any of the following items of information other than records of convictions or crimes which antedates the reports more than seven years.

15 U.S. code 1681s-2 ( a ) 1 section states : A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief