BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 have contacted Transunion, XXXX, and XXXX several times via phone and certified mail on multipe occasions in regards to inquiries that I did not authorize or was not familiar with. It makes it look like I'm begging for credit, and that is not the case. I am trying to qualify for a home loan, and it makes it difficult when they're checking credit and I have inquiries from places that I didn't inquire credit from. I have disputed and reached out to bureaus several times and they say the same thing repeatedly. The companies either need to send proof of validation or it needs to be removed. The following inquiries that were not authorized are as follows : 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 explanation
Consumer complaint received 2022-09-06
Company: General Motors Financial Company, 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: Their investigation did not fix an error on your report

Complaint:
Hello my due date was changed this account was never late after multiple disputes GM refuses to fix this mistake in addition there was a winter storm we lost power and internet for 2 weeks. As you can tell I have XXXX late payments and nothing derogatory on my credit report aside from this GM mistake they refuse to remove the lease was even paid off 6 months in advance kindly assist me with making GM do the ethical correct thing in regards to this issue .I appreciate your help I sent all the supporting documents to the 3 credit agencies only one removed it. I need your help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
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 XXXX XXXX I called XXXX. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX a paid off a debt in the amount of {$180.00} on XX/XX/2022. XXXX i had my credit pulled for a loan and it stated that the balance is still unpaid. i did a dispute and it still came back as unpaid i contacted XXXXXXXX XXXX and the stated it was reported to Equifax on XXXX XXXX i was given a control number of XXXX to give to Equifax When i called equifax i was given the run around i called the collection agency back who then sent me a letter stating it was paid. i called Equifax back no one would listed i paid the account 4 months ago yet i can not get an update on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: EQUIFAX, INC.
State: LA
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 have been the victim of ID Theft and have a fraud account that Equifax refuses to remove. They keep saying it was verified as begin correct! of course it would come back as accurate, My info was used fraudgently to open this account! This account does not belong to me as well as the following Inquires XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XXXX/XXXX Acct @ XXXX OPENED XX/XX/XXXX I have and will continue to send in police report as long as this troubling ID Theft continues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: EQUIFAX, INC.
State: MN
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 the consumer and natural person recently checked my consumer report and noticed a multitude of violations from both the credit reporting agencies and the furnishers of the reported accounts. The accounts that are being falsely reported are from both XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I do not consent to the reporting of any negative items such as charge offs/collections, high utilization and late payments on my consumer report. charge offs and collections are both considered income by the Irs and by law income shall not be furnished on the consumer report. Also there are multiple alleged late payments being furnished by both XXXX XXXX and XXXX XXXX XXXX. I the consumer am not aware of any late payments or delinquent status associated with either of the accounts and would like all late payments to be removed and any collections/charge offs to be reported as paid in full/paid as agreed. There is no proof of verification and validation of debt under penalty and perjury therefore Equifax, XXXX, and XXXX are required to update said accounts to paid in full/agreed immediately. I also want to emphasize in advance that statements are not validation or verification of debt by law so please cease to send any statements that are not signed with my original wet ink signature and notary seal. 15 Usc 1602 specifically emphasizes clear conspicuous disclosure of reporting. Based on said code I never gave consent to XXXX, Equifax, or XXXX to report late payments or charge offs/collections on my consumer report. The credit reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with 100 percent accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: EQUIFAX, 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:
This is my final attempt before taking this matter to court and suing Equifax for false reporting and false investigating. Because of my most recent complaint and attempt to have the bankruptcy listed on my credit report removed, Equifax sent me a letter " confirming '' their investigation ... again siting XXXX as their source who provided the information. I have been dealing with this since XX/XX/2022. I have now attached the letter Equifax sent me siting XXXX dated XX/XX/2022. I have also attached my COMPLETE XXXX consumer report. Every single page has been attached and you will clearly see that NO bankruptcy is listed. You will see my name, date of birth and last 4 of my social on the XXXX report, I also included my ID as proof of identity along with my social security card. I also singled out page 27, showing you I am clear of judgements, liens and bankruptcy. BUT you still have access to the complete report as well. Again this is the final chance for your company to rectify this mistake before I hire a lawyer and sue for false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
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: Account information incorrect

Complaint:
My loan balances on my credit report fluctuate each month. One month they slightly increase by 20-30 $ then one month they will increase by THOUSANDS. Then the following month they will decrease by a few hundred. And then a few thousand. When I contact XXXX they can not explain why it does that. And say they will check into it. I have monitoring directly from ea h bureau and they notify me when changes occur. My score also goes down because of this.

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 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 FL, XXXX XXXX XX/XX/2023 DEAR TRANSUNION XXXX : XXXX RE : XXXX RE : XXXX XXXX XXXXXXXX I AM NOT SURE WHY YOUR INQUIRIES DATED XXXX IS APPEARING ON MY TRANSUNION CREDIT REPORT. ACCORDING TO THE FAIR CREDIT REPORTING ACT, YYOU MUST ABIDE BY THE PERMISSIBLE PURPOSE PROVISION.

EITHER REMOVE THIS INQUIRY OR PROVIDE ME PROOF THAT THIS INQUIRY COMPLIES WITH THE FEDERAL LAW. 
THANK YOU FOR YOUR TIME, 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 2023-08-11
Company: Experian Information Solutions 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'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 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 2021-04-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Account says restricted for safety purposes. Contacted customer service limited an vague response that will resolve in a couple of days. No resolution no response no contact outside of my text messages. I prepay account spend over {$500000.00} per year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-20
Company: Greentree & Associates
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
repeated letters to collect a debt that was written off by the company and no longer exists on my credit report. Debt is over 10 years old. Company keeps sending me info about their chapter XXXX problems. I have wrote to them XX/XX/2019 telling them to stop and they responded with a an auto reply that day saying they received it. Then one week later with an email saying they would be in touch with an answer. Then on XX/XX/2019 I got another letter about chapter XXXX. I don't see how that is of any interest to me. I don't need any further info or contact from this predatory lender.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-11
Company: Experian Information Solutions Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2022-09-06
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The problem that I have is according to 15 Usc 1681A ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. They also never had a permissble purpose and I never consent to this in the first place. 15 usc 1681B ( 2 ) Contacted Equifax on XX/XX/2022 again to get theses items that's ALREADY disputed OFF my credit and the rep was very rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16
Company: JPMORGAN CHASE & CO.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
JPMorgan Chase allowed my ex-wife on multiple occasions to change terms on my note without my authorization or approval. I informed Chase formally in the Bank and on the phone through Auto that she had my social security number and other identifying information and I wanted her and her contact information specifically, restricted from my account. This was not done and I have been financially harmed. When I spoke with the bank today, I was not asked my verbal security password and was able to access my account without it. I am horrified by what has happened and extremely upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 have contacted Transunion, XXXX and XXXX regarding this account and told them that they are reporting it incorrectly. It has been adversely effecting me and has ran my utilization up! I finally received the same letter that the bureaus did and they have done nothing with it!! I need someone to assist me with getting this negative item removed. I have two account with XXXX XXXX XXXX and they are updating the WRONG account.

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 2022-09-06
Company: Experian Information Solutions Inc.
State: UT
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:
They said they could not remove anything from my 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 explanation
Consumer complaint received 2018-12-19
Company: CCS Financial Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Upon review of my credit report in XX/XX/2018 it was brought to my attention there was several accounts that reported negatively that needed my attention. A few separate accounts were owned by the same Collection Agency, XXXX XXXX XXXX. There was a total of 5 accounts in all by the same above named agency. I sent a original certified and notorized letter requesting validity on all 5 accounts on XX/XX/2018 to XXXX XXXX XXXX, and requested items be deleted per my report if validity not received in the allowed time frame. I received a response letter stating that one of the 5 inquires would be deleted. The company did so in deletion of the one account but failed to respond in regard to the other 4 accounts mentioned. I reached out to the credit bureaus at this point via certified mail on XX/XX/2018 sending them a copy of the letter provided to the collection agency, to bring the issue to attention and have this resolved and removed properly as stated in the Fair Credit Act Law. At this date and time XX/XX/2018 the Collection agency as well as the Bureau have failed to review and properly delete accounts who have not provided proper proof of validity.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have 2 problems that started with online fraud of my debit card with Chase. 
This first started when Chase bank contacted me on XX/XX/XXXX to notify me of suspected unauthorized activity. I confirmed 6 transactions. Of the 6 transactions, they credited me for they have reversed the credit and debited my account for {$60.00} on XX/XX/XXXX to pay XXXX XXXX XXXX XXXX for a pre-paid cell phone account in XXXX. I this is fraud and they identified as such and contacted me, now they have reversed it. I know no one in XXXX. When I contacted XXXX XXXX XXXX they told me I was probably the victim of a data breech and that have not received a payment from Chase, they only had a chargeback on XX/XX/XXXX. They had no grounds to reverse the credit. 
My bank account was debited on XX/XX/XXXX. I have attached the statement. 

The second problem was caused by an error Chase made.When Chase contacted me to report possible fraud they listed 6 transactions, the XXXX XXXX XXXX was on of the 6. The next day I went to the bank to find out more and as I went over the transactions with the banker XXXX, we discovered that my car insurance payment had been included in the f dispute, she called the fraud department and adviced them that this was a good transaction and to pay it. I discovered days later that they had included the XXXX XXXX payment in the dispute and had reversed my authorized payment. I contacted the fraud department and told them to pay this immediately because my insurance could be canceled. I saw the debit in my account for {$240.00} on XX/XX/XXXX and assumed it, had been paid, it had not. XXXX had never received payment and my car insurance was canceled without my knowing until XX/XX/XXXX when I called to add another car to the policy. The chargeback from Chase was never corrected. XXXX XXXX, the banker at Chase on XXXX XXXX spoke to the accounting department at XXXX XXXX onXXXX and confirmed that no payment has been received. I forwarded the accounting statement I received from XXXX, showing the charge back to XXXX. I have also attached it. XXXX filed another dispute for me on XX/XX/XXXX and today I received notice that the temporary credit had been reversed and that the money was paid to XXXX and the dispute was denied. Where is my money? 
This like the XXXX XXXX XXXX payment is not in with the company, but both have been taken out of my account. 

I am requesting full credit for both transactions. 

I have attached the statements of all transactions, and I have requested confirmation from Chase of the money transfers to XXXX XXXX XXXX and XXXX.

Company response to consumer: Closed with monetary relief
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: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THIS ACCOUNT GIVING ME XXXX I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE.

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 2023-09-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
i am not liable for this debt with XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, i do not have a contract with portfolio recovery associates llc, they did not provide me with the original signed contract as requested!,

Company response to consumer: Closed with explanation