BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-22
Company: DISCOVER BANK
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I had a personal loan with Discover Bank and the wife ( now deceased ) and I did a debt program through XXXX XXXX for consolidating and reducing our debt after I retired. The debt was settled on time and on schedule by the approval of the Court. The amount is showing up on a JUDGMENT OF LIEN ( XXXX ) AND DATED XX/XX/XXXX AND RECORDED XX/XX/XXXX, CASE # : XXXX. 

This agreed settlement was paid as agreed.Originally {$10.00}, XXXX and the agreed amount was {$5200.00}. The judgment was on Case number XXXX in XXXX XXXX XXXX, XXXX XXXX, dated XX/XX/XXXX XXXX and on XXXX XXXX, XXXX XXXX  XXXX. 
The Case was switched from XXXX and XXXX to XXXX and XXXX, XXXX. midway through somehow, I don't know, as both worked on behalf of Discovery. I have the cancelled checks made out to XXXX XXXX XXXX - they cashed them. There seems to be a mix up that I was unaware of until applying to refinance my home to get some money to help my XXXX son get a home of his own. I was informed by XXXX that there is a lien on my property. The only LIEN number I was aware of is XXXX in association to the case number for Discover under XXXXXXXX XXXX XXXX  XXXX. The Case Number with them was XXXX. I have the canceled checks, letter from the court that the lien is released, so I'm mystified and upset that this was not taken care of. Divcover has assigned the amount to other debt collectors after it was paid off, and I have some of these to show they are either inept, crooked, or thieves? Take your pick. I need this resolved and consider it age harassment - they must think I forgot I paid them?????? The LIEN on the home for Discovery is XXXX, which is not what my Court Document gives - yet Discovery and the dollar amount is the same. They have repeatedly said this was taken care of and they would not be assigning further debt collectors, but why is the LIEN on my home not released? Further harasment, age abuse, or just inept business/legal teams that can't keep a case correctly? Your help is much appreciated. THANKS! Also important - They reported the full amount of the {$10000.00} figure on a 1099 to the IRS for LAST year, even though it was paid off for less than owed in years before - about half. I did try to contact them on this mis reporting my tax liability, both in the amount and the year. I never heard back from them on that either! So why are they doing these things? Total harassment in my opinion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 non-monetary relief
Consumer complaint received 2021-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. 
I understand that under 15 U.S.C. Sec. 1681a ( 2 ) Exclusions. the term consumer report does not include, any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 

I also understand that an investigation of this report must be made within 30 days of recipet of this letter- 15 U.S.C . Sec. 1681a ( e ), The term investigative consumer report means aconsumer report or portion thereof in which information on aconsumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of theconsumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of theconsumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

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 2020-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XXXX and Transunion should not be reporting a collection/chargeoff in the amount of {$4000.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) The repair that was desperately needed to be completed in the bathroom was never finished in a timely manner and therefore I was forced to move out of the apartment because there was only one functional bathroom. I did not break the lease. The apartment complex never fulfilled their obligation to provide a habitable apartment. I have attached the section from my lease which clearly states in paragraph ( 30 ) the RESPONSIBILITIES OF THE OWNER make all reasonable repairs - - If we violate any of the above, you may terminate this Lease Contract and exercise other remedies... ( Please see section of the lease attached for reference. ) I gave notice to vacate the premises on XXXX. Pursuant to the Lease Contract, it is null and void. There is no outstanding balance due and consequently nothing to collection/chargeoff. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2020-07-22
Company: Tribal Lending Enterprise, Inc.
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
When I began the loan application process I was given misinformation about the cost of the loan It's {$900.00} I was told that I would be charged a total of {$130.00} for borrowing the {$900.00} a total. 

later when I called in to inquire about it the loan I was told that I have 17 more payments which doesn't make sense considering my first payment was like {$130.00} and the second payment was over {$200.00} I called in to check and they told me that it was basically going to cost a lot in interest for the loan so I'm having to pay off the entire thing at {$850.00} this XX/XX/XXXX When they spoke with the representative after getting the loan and inquiring about the cost and the misinformation that I received I was told that no I'm wrong The person told me correct and that it was in the contract paperwork that I signed I did not see any of that if I had I would have known that they aren't a true financial institution interested in helping people that they're only interested in lying people so they can turn profit and I never would have done business with them That's false marketing lying using your customers for a number so you can pad your pockets And how was that they don't even report to the credit bureaus which is my fault cuz I forgot to ask that question but I mean come on if you're going to super overcharge me and use me to turn profit you might as well at least report to credit bureaus so that I might get something good out of it This is a waste time stressful XXXX and I hope your company receives the karma they are due

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 2021-01-24
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
As a XXXX, XX/XX/XXXX single mom of a XX/XX/XXXX hospitalized with a XX/XX/XXXX XXXX, Mother begs American Express XXXX AMEX XXXX to immediately cease and desist from AMEX unauthorized attempts to repeatedly contact an innocent, ill daughter. Nurses and physicians have asked that Mother stop AMEX harassing calls that are causing dangerous and needless stress to a hospitalized child. Mother authorized her child only as " user '' of Mother 's AMEX credit card ; child is not and never was either a co-signor or financially responsible party. 

Because of California COVID stay-at-home orders, Mother has not been able to earn income for over one year and now has exhausted all life savings. 
Before COVID came to California in XX/XX/2019, Mother successfully served the hospitality industry for the entire state of California -- an industry now itself fully destroyed after one year of the coronavirus pandemic. 

Last year after COVID came to California, new U.S. COVID-related immigration restrictions also banned foreigners from entering the U.S. These federal restrictions prevented Mother 's loyal following of international hospitality investors from entering the U.S. to acquire California hotels and, as a result, prevented Mother from earning income. 

Though never before a cardiac victim but only since COVID-19 came to California, Mother suffered three different XXXX XXXX and XX/XX/XXXX XX/XX/XXXXand then further was diagnosed with XX/XX/XXXXXXXX ( liquid in the XXXX XXXX. As an XX/XX/XXXX, Mother no longer can afford to buy insulin to stay alive and soon will be without phone and Internet since she also can not pay past-due bills. 

Hospitalists, physicians, nurses and daughter in XXXX all have reported XXXX AMEX phone harassment. Mother demands that AMEX immediately cease and desist contacting a XX/XX/XXXX regarding AMEX accounts belonging solely to XXXX. 

Mother 's former California Attorney was sued by Mother/Plaintiff ( California Superior Court Case # XXXX ). Attorney still owes Mother Settlement of {>= $1,000,000}. Mother authorizes AMEX to contact Attorney at : Per the State Bar of California : License # XXXX License Status : Active Address : Law Office XX/XX/XXXXXXXX, # XXXX, XXXX XXXX, CA XXXX XXXX : XXXX XXXX XXXX Phone Number : ( XXXX ) XXXX Fax Number : ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-22
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020, Chase Bank 'locked ' my account due to suspicious activity after I tried to pay a lawyer {$370.00} by XXXX XXXX pay. But they sent me a code by text, I entered it, and it was initially accepted. 

They them emailed that it was cancelled. So I logged onto my account again, sent them a message instructing that the payment was valid and made it again. 

They then, 1. Cancelled the payment ( again ) ;, and 2. Locked me out of the account, instructing me to call XXXX. 

After over an hour of waiting on hold, I spoke to XXXX, who worked to redress the matter, without success. 

I realized that I would need to open another account at another bank because Chase has a documented history of doing this to people ( I know this from a Reddit thread ). 

I have the ability to open a new account with funds at another bank ; but others I am reading about have NO money and NO ACCESS to their money because of what Chase is doing -- locking us out of our accounts and then being unavailable to fix the situation. 

Chase Bank MUST be required to CHANGE their policies and procedures by creating a financial incentive for accuracy in these matters -- it is not sufficient justification to lock consumers away from funds due to Chase 's 'suspicion ' about transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
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 act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company 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 2020-12-10
Company: EQUIFAX, INC.
State: MO
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 identity has been compromised and someone obviously used my name because there's information on my credit file that does not belong to me. Please remove the following accounts and block them from my credit file. 

1. XXXX XXXX  2. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: Experian Information Solutions Inc.
State: TN
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:
Experian and XXXX should not be reporting a collection/chargeoff in the amount of {$4000.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) The repair that was desperately needed to be completed in the bathroom was never finished in a timely manner and therefore I was forced to move out of the apartment because there was only one functional bathroom. I did not break the lease. The apartment complex never fulfilled their obligation to provide a habitable apartment. I have attached the section from my lease which clearly states in paragraph ( 30 ) the RESPONSIBILITIES OF THE OWNER make all reasonable repairs - - If we violate any of the above, you may terminate this Lease Contract and exercise other remedies... ( Please see section of the lease attached for reference. ) I gave notice to vacate the premises on XXXX. Pursuant to the Lease Contract, it is null and void. There is no outstanding balance due and consequently nothing to collection/chargeoff. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: Experian Information Solutions Inc.
State: GA
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:
This accounts were not mine and why are they on my report? This has been disputed last XXXX of XXXX however I haven't received any response from the respective agencies. I was taken advantage and now am I being ignored by them? This isn't fair.

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 2021-12-05
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: Investigation took more than 30 days

Complaint:
Hello, I hope you are having an excellent day. Recently I have filed a dispute with the credit reporting agencies because of inaccurate information on my credit, which is hindering me of getting more credit. To this day I have not received any updates from them regarding the investigation that is suppose to take place. I have sent out the necessary letters and also gave them the necessary time frame to dispute all inaccuracies and reach back out to me. But alas, they have not reached back out to me. I also filed a XXXX day demand letter in order for them to update me on the investigation, but also I have not heard from them. This is very important for me because as stated earlier, I can not receive any high end credit because of the inaccurate information the credit bureaus reported on my credit. 

Initial Dispute XX/XX/2021 XXXX  Day Demand XX/XX/2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-09
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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 2021-12-05
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: Investigation took more than 30 days

Complaint:
Hello, I hope you are having an excellent day. Recently I have filed a dispute with the credit reporting agencies because of inaccurate information on my credit, which is hindering me of getting more credit. To this day I have not received any updates from them regarding the investigation that is suppose to take place. I have sent out the necessary letters and also gave them the necessary time frame to dispute all inaccuracies and reach back out to me. But alas, they have not reached back out to me. I also filed a XXXX day demand letter in order for them to update me on the investigation, but also I have not heard from them. This is very important for me because as stated earlier, I can not receive any high end credit because of the inaccurate information the credit bureaus reported on my credit. 

Initial Dispute XX/XX/2021 XXXX Day Demand XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
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 is missing that should be on the report

Complaint:
Two items on TransUnion need correcting. 
-18 months of rent reported to TransUnion from XXXX. TransUnion did not record information correctly on credit report. 

-Multiple credit inquiries ( all within 30 days of each other ) due to shopping for best mortgage rate, caused my XXXX score to drop.

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