BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I disputed inaccurate information that was on my credit Report with Transunion and XXXX almost XXXX months ago with XXXX XXXX Account # XXXX Late payments that was incorrect XXXX gave them 30 days to respond and they don't so XXXX send me paper work that it was verified that I had No late payments so, Two weeks later XXXX Placed the late payments back on my Credit Report. It is against to fair credit act to do so without a consent or notifying me before places inaccurate information on my Credit report I have asked them to notify me before doing so because I have had a fraud alert on my credit report in 2017.I need this off my Report in the next 10 business days or I will have to speak to my lawyer.Please contact Transunion and XXXX.Thanks

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 2023-04-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$17000.00}, XXXX XXXX XXXX Balance : {$2800.00}, XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$4500.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6400.00}, ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, 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 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 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

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 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.

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 2022-05-31
Company: Experian Information Solutions Inc.
State: SC
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 also 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 explanation
Consumer complaint received 2018-12-12
Company: Experian Information Solutions 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:
THIS IS NOT A DUPLICATE! Complaint # XXXX ( typed this way for security purposes ) was just closed by Experian, claiming that it was a duplicate when IT WAS NOT. WHAT AM I SUPPOSED TO DO WHEN EXPERIAN CONTINUES TO IGNORE MY DISPUTES???!!! They have deliberately waited well over a week to respond and they respond with this GARBAGE. You will NOT intimidate me from moving forward with getting accounts deleted that CONTAIN VIOLATIONS AND INCORRECT INFO. Ignoring disputes is a violation of consumer law! I already know that they don't even do their own investigations ANYWAY -- which is ILLEGAL -- but now they're ignoring my disputes altogether, and this is not right or fair! I am being denied my due diligence in getting accounts deleted that have INCORRECT INFO AND VIOLATIONS! I am EXTREMELY upset at this and DEMAND that you have these incorrect accounts and accounts with violations DELETED IMMEDIATELY!

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 2023-03-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I paid 8 years sss.gov payments XXXX. I do not have any returns or income past XX/XX/2002. I need a withdrawal of the funds as i am stranded and harmed overseas deliberately by the US Immigration and cybercriminals exploiting me. I do not have capital of my wages since XX/XX/2002 nor any returns from ssa.gov payments I had direct deposit to XXXX  checking, so it must be XXXX that paid to ssa.gov I have XXXX cash and in XXXX, i do not have any information about XXXX, i do not have any support from my mothers or fathers friends or relatives. I depended on my mothers pension btu she is dead. I need to have the withdrawal of the account of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX dollars i need. Chase IRS.gov and company accountants are not revealing how much capital to wages and how much i should have been paid when i left XXXX XX/XX/2002.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: EQUIFAX, INC.
State: TX
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:
Hello my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and I did not make the charge. I ask that the items be deleted to correct my credit. I reported the theft of my identity to the Federal Trade Commission and I have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit please delete these items as soon as possible.

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of the receipt.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! I demand the following accounts be verified or removed immediately ( I LOST MY SOCIAL SECURITY CARD AS A VICTIM OF IDENTITY THEFT. I WAS ABLE TO ATTACH MY FTC AFFIVDAVIT, LETTERS TO EACH CREDIT BUREAU, AND THE TWO FORMS OF ID I CAN PROVIDE. )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Experian Information Solutions Inc.
State: LA
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 account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or a list of Inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: The CMI Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XX/XX/XXXX, I received notice on my credit report that I had a " major derogatory mark '' on my credit report relating to my XXXX XXXX Account, filed by a debt collection agency Credit Management LP ( based in Texas ) that bought the debt from XXXX, allegedly stemming from a XXXX XXXX account that I closed and paid off around XX/XX/XXXX since XXXX 's services did not extend to my new location. XXXX and Credit Management failed to provide me with notice of such debt and the late payments, and they presently refuse to remove the credit report off my history despite me paying the {$140.00}, which I do not think I owe them. My credit score now has dropped XXXX points and have a major derogatory mark on it. 

While I have limited access to my XXXX account and XXXX provides little to no documentation for closed accounts, XXXX charged me an additional $ 140~ after the close of my account in XX/XX/XXXX ; provided no notice before the account was closed of such owed payment ; and I received no notice by XXXX  or Credit Management LP re : late payment until the debt was already in collections and on my credit report. 

On XX/XX/XXXX, XXXX also informed me that they do not provide email notices of late bills for closed accounts even though I was signed up for e-billing during my relationship with XXXX, and they only send paper bills to the closed account address despite knowing I was no longer there at such address and without informing me of such policy or the alleged bill when I called in to close my account. In short, there was no way for me to know any potential bill existed because of XXXX 's policies on closed accounts and notices, in addition to thinking I had closed the account back in XX/XX/XXXX after paying off the final bill and returning the equipment to XXXX. 

I reached out to the Credit Management LP ( debt collector whom bought the debt from XXXX XXXX and XXXX XXXX - both claim they can not remove the debt off my report even though I received no notice of such payment and even paid off the debt so it is a zero balance and closed account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Hello my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and I did not make the charge. I ask that the items be deleted to correct my credit. I reported the theft of my identity to the Federal Trade Commission and I have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit please delete these items as soon as possible.

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of the receipt.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! I demand the following accounts be verified or removed immediately ( I LOST MY SOCIAL SECURITY CARD AS A VICTIM OF IDENTITY THEFT. I WAS ABLE TO ATTACH MY FTC AFFIVDAVIT, LETTERS TO EACH CREDIT BUREAU, AND THE TWO FORMS OF ID I CAN PROVIDE. )

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 2018-01-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
have sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the cl as I'm stating it had nothing to do with them the account was valid I NEED THE ACCOUNT TO BE VALIDATED, WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send you that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX XXXX XXXX XXXX California XXXX # XXXX XXXX XXXX XXXX XXXX XXXX {$110.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: ACIMA CREDIT, LLC
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX I was notified by my mortgage company, XXXX, where they offer credit monitoring, that " ACIMA CREDIT FKA SIMPL '' ( I believe a rent-to-own furniture leasing company. I have never rented furniture from any company ) had reported " a past-due balance of {$4400.00}. '' I have never done any business with this company. I called them and was advised that they could find no information under my name or information. I asked them to send me a letter confirming that, but they sent me nothing. On XX/XX/XXXX, I was again notified by XXXX  credit monitoring, this time that " ACIMA CREDIT FKA SIMPL '' was reporting a delinquency of {$4500.00}, and this time they also reported it to XXXX, where my XXXX score immediately dropped by about XXXX points. 

I filed a dispute with XXXX, and sent an email to Acima disputing this debt. XXXX took it up with Acima, who said the debt was valid ( but has refused to send me any information about the purported lease or any contract that they believe I signed with them. They indicated that they found the lease that they have flagged as fraud, but refused to send me anything further. They requested I file a police report locally, which I did, and they then said there was insufficient information on the police report and I should next report the fraud here. 

XXXX noted on my credit report that I state I have no knowledge of Acima, but they refuse to drop the delinquency because Acima calls it valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: SANTANDER HOLDINGS USA, INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Chrysler Capital has not accepted my payment money orders as a Tendered value payment that I made payments to them on the car payments I have sent them a letter with a payment money order. I have Tender the payment Ucc 3-603 and 3-311 they have not acknowledged the payment as instructed by law. Chrysler Capital never informed me of the TRUTH IN LENDING A.K.A REGULATION Z- 12 CFR 1026. I have contacted them and I have tried to reason with them and I am still getting a refusal from them Chyrsler Captial and they have been threatening that they are going to repose my car if I don't send them another form of payment they are not accepting my money orders for the value that has been tender and sent they have violated my rights consumer rights 15 US 1605. From day one. when I first bought this car put a {$500.00} dollar downpayment on this car I never was told about consumer laws or handed any papers in my hand or given my full contract about any consumer laws when I got home and looked at my contract it only contained three papers one was RETAIL INSTALLMENT SALES CONTRACT, NON -LEASED VEHICLES ODOMETER DISCLOSURE AND GEORGIA LEMON LAW AND IN THE CONTRACT OF THE RETAIL INSTALLMENT PAPER IT SAID NO COOLING OFF PERIOD meaning I can not change my mind. I was deceived on all matters of this contract all my rights were violated I had been taken on a ride my consumer rights were violated 15 us code 1635, 15 us code 1602, and 15 us code 1605 were not told to me, or handed any papers to me on consumer laws. my name is XXXX XXXX Chrysler Capital account number XXXX for my car

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was given a check from my father ( who has the same last name as me and has deposited money into my account on multiple occasions, usually at amounts between $ XXXX {$2000.00} ). The check amount was for {$12000.00}. It was printed and issued by his bank. I deposited the check on XX/XX/XXXX ( Saturday ). At the time of the deposit, I was given a receipt stating that the funds would not be available until XX/XX/XXXX. I deposited the check in person at a branch. On Monday, XX/XX/XXXX, I received word from my father that the check had cleared from his account and I should have the funds soon. The funds were needed to make a down payment on Saturday, XX/XX/XXXX. On Wednesday, XX/XX/XXXX I called Chase bank to ask about the funds. I confirmed that I knew the writer of the check and had a personal relationship with him. I also informed the agent I spoke with that my father had confirmed the check had cleared his account in the beginning of the week. The agent proceeded to tell me that even though I have a consistent pattern of receiving large deposits from my father, they could not clear the check because they could not confirm that he had the money. He said they had called my fathers bank but could not get confirmation from them. He asked me to give him the direct contact information for the teller my father works with, which I did not know. I had the number for the branch he frequents but he wouldnt take that. He then told me there was nothing I could do, I would just have to wait the 7 business days ( which is somehow 13 total days from the initial deposit ). I even explained that the funds were needed for something and that I had just deposited a check a week prior that was from my father and in the same format and it had cleared right away.

Company response to consumer: Closed with monetary relief