BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California XXXX); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. XX/XX/XXXX), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2020-01-17
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company, Credence Resource Management has been questioned and challenged due to the opening and validity of the debt. The credit line item does not directly reflect what type of debt that it is. The company has never communicated what specifically they are collecting and why. I have challenged this using consumer protection laws to demand proper verification of the collection account, as I am also a victim of identity theft. I have the burden of needing to monitor my credit profiles on a consistent basis because of this. 

The account was investigated, and the company was not able to verify the debt on my XXXX XXXX credit profile, and has been permanently deleted as of XX/XX/2020. 

Credence Resource Management has irresponsibly re-submitted this unverified account as a " new collection account '' on my XXXX and XXXX credit profiles as of XX/XX/2020. I believe that this company operates under very unethical practices and defaming tactics just for money. Any company that will try to damage a credit profile of a person that they have yet to fully identify as the account owner should be investigated and fined for their illegal activities. I am requesting that the CFBP properly investigate Credence Resource Management for their erroneous financial practices that effect myself and other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Balance Owed : {$7900.00} XXXX XXXX XXXX XXXX Balance Owed : {$7900.00}.

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 2023-06-23
Company: Experian Information Solutions 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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 
XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX Reported : XX/XX/2023 XXXX XXXX  Account Number : XXXX Reported Date : XX/XX/2023

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 2022-02-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a purchase of a stay with XXXX the company via their online system for my personal use and that of my family. The purchase was for a total of {$2100.00} and it was made by paying with my Visa Check Card XXXX XXXX XXXX XXXX XXXX XXXX JP MORGAN CHASE BANK NA on two separate transactions of {$1000.00} on XX/XX/XXXX and on XX/XX/XXXX. In the month or around XX/XX/XXXX, XXXX. i made a timely dispute of the charges after coming to the conclusion that i could not resolve the issues with the vendor XXXX  of California XXXX 

My dispute was based for the following reasons : Billing Errors : 1. I was charged by services and good that were ordered, advertised and not delivered. Specifically, I was lured into a transaction for an advertised temporary rental and was provided with assurances that I would receive a unit with a working hot tub, water would be available, a clean unit, at least one without mold, safe and free of sexual harassment while staying there and an internet connection. This was my expectation and because I DID NOT RECEIVED THE services and goods as advertised, I disputed as it was my right.

Additionally, I disputed the charges made under : I dispute under CLAIMS AND DEFENSES with the card issuer but believe this was not properly documented by the Credit Card Issuer JP MORGAN CHASE BANK, NA.

My dispute under CLAIMS AND DEFENSES because the purchase was made online, it was for over {$50.00} USD, XXXX  is wihtin 100 miles of my residence but regardless the process was made online. I made a good faith effort to resolve this matter with the vendor to no positive result.

1. The unit was to have a working hot tub ; it did not have this.

2. Mold was discovered during the stay and was causing me problems as I have allergic reactions to this. The unit was not cleaned and protected as advertised.

3. The internet connection was not reliable and was subject to very slow speeds that could not possibly sustain several devices from being connected to the internet.

4. During the stay the water was shut off and I had not even vacated the property.

5. The property was not secured. As it allowed loitering and the conglomeration of individuals at the entrance of the property that XXXX harassed my partner and my XXXX daughters. I was promised a prompt reaction as this issued required an immediate response from the vendor, but the vendor stated to me that they could not react to the complain because under staffing during the holidays as they would normally. 

For these reasons I am disputing the charges and I am protected under the laws of the United States and The State of California. I also believe that my credit card issuer did not

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: CT
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 sent a dispute letter to XXXX XXXX  on XX/XX/XXXX  asking to 1 ) prove negative remarks reported on my credit report and IF proven true to make a goodwill adjustment and remove negative remarks. I received a corresponding letter dated XX/XX/XXXX  stating that " After reviewing our records, we find that we are unable to make any adjustments to your payment history ''. While I do understand that the creditor is under no obligation to grant a goodwill adjustment, XXXX failed to acknowledge my other requests with this response. 

I responded to this later on XX/XX/XXXX  ( mailed on XX/XX/XXXX  ) reiterating my original requests to 1 ) validate these late payments and 2 ) to provide me with written confirmation of the steps taken to investigate my dispute. Their initial vague and short response led me to believe that they did not taken my initial claim seriously and failed to validate said negative remarks AND did not follow through with providing me with written steps they took to investigate my claim. I have yet to receive any correspondence from them since my letter and therefore, I believe that my rights are being violated and my claim was not properly handled. I have attached ALL correspondence between XXXX and I since my initial dispute as well as the mail receipt of the final letter that was sent.

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 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX  OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX Balance : {$8000.00} XXXX XX/XX/XXXX XXXX XX/XX/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 2019-09-30
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I.C. SYSTEM has unlawfully attached my Credit File, I.C. SYSTEM has not been awarded a Judgement of Default by any U.S. Court concerning this matter, I.C.  SYSTEM has been advised that XXXX  XXXX under the guise of Extortion is an unacceptable Business Model, I.C. SYSTEM removed their initial filing from from XXXX, XXXX  and XXXX  in order to extend the 7 year expiration date and now is seeking to attach each Credit File individually to continue to unlawfully destroy the Credit File and cause financial hardships in the form of increased premium 's and higher interest rates.

I.C. SYSTEM is engaged in unscrupulously business practices, which run counter to Public Policy.

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 2021-02-04
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: Information belongs to someone else

Complaint:
So, over the last 6-12 months, I have been active in disputing XXXX XXXX Account # XXXX XXXX  Account XXXX Both listed on my credit report that are not mine. I have provided proof that these bills belong to someone else and have not been able to get the accounts removed. the credit reporting agency continues to say that the account has been verified, but will not provide the information of verification, when asked they come back and say updated or verified I feel as though XXXX is not doing a real investigation on this matter because if they did, they would see these inaccuracies and delete these accounts from my report. I have clear proof of all my disputes. 

XXXX XXXX Account # XXXX as of XX/XX/XXXX up until XXXX/XXXX/XXXX they keep reporting that this account was being paid in XXXX of XXXX up until XXXX of XXXX then charged off in XXXX of XXXX but how can that be if the account was 150 days late in XXXX of XXXX? Also, how can I go from paid on time in XX/XX/XXXX then charged off in XX/XX/XXXX? Finally, when I look at the date last active for transUnion it says XX/XX/XXXX, for XXXX says XX/XX/XXXX, and XXXX  says XX/XX/XXXX this account has been re-aged and clearly a violation. Please help clear this off my credit report. 

I also saw another account from XXXX Account XXXX that states that this account was " certified as accurate '' How can this be since I have been asking that all the information for this account be accurate. But as I write to you now its in error and I have been disputing this account since XX/XX/XXXX. 

Also, XXXX : ACCOUNT # XXXX I asked for the information that showed that I was late but no answer. I just want to make sure my credit report is accurate. They have stated I was 30 days late twice. But my bank account shows that I paid them. Please have them update these late pmts to paid as agreed. 

XXXX Acct # XXXX This account started at 90 days late and all of my records show that I paid as agreed. Please update all months to paid as agreed because this is hurting my credit score. Moreover, the payment history is in error and I have tried to dispute with this with XXXX and XXXX but to no avail they did nothing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Its been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment noted. They have not supplied this information and they must delete the alleged late payments on my credit report. Under Federal Law, they had 30 days to complete the investigation and by failing to do so, the item must be deleted from my credit report as soon as possible.

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 2023-06-23
Company: Experian Information Solutions Inc.
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: Public record information inaccurate

Complaint:
Experian has my address incorrectly reported. I have tried to get it fixed but they aren't listening. XXXX XXXX XXXX XXXX XXXX, XXXX MA XXXX is incorrect. I live at XXXX XXXX XXXX XXXX MA XXXX. This is a XXXX in a XXXX ( XXXX XXXX XXXXXXXX ).

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 2019-09-16
Company: AMERICAN EXPRESS COMPANY
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have a Delta Skymiles AMEX account. On XX/XX/XXXX I went to upgrade my Delta Skymiles Gold to a Delta Skymiles Platinum. AMEX sent the incorrect link and opened a AMEX platinum instead. When I received the wrong card in the mail, AMEX admitted their mistake, canceled the card, and removed the credit pull from the Credit Bureau Report. 

I went to apply for a AMEX platinum in XX/XX/XXXX and was told I couldnt receive any bonus offers since I had technically had the card before- despite the fact it was AMEXs error. I called again in XX/XX/XXXX and XX/XX/XXXX and was told they admitted the whole thing was their error but couldnt technically give me a bonus since it was a computer issue. On XX/XX/XXXX, I was told on the phone that a supervisor could manually audit my spending and give me a lesser bonus- but wouldnt give me any documentation that i was guaranteed to receive the points. Plus it was a lesser bonus than the 60,000 points for {$5000.00} spending. I messaged again on XXXX XX/XX/XXXX and was told again it was their fault but the customer service agent couldnt do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
All 3 Bureaus were notified of the Bankruptcy being reported on my credit report. I sent a procedural letter to each, on XX/XX/2020 to ask of how they were acquiring the Bankruptcy information. According to law, all information obtained is to be reported directly to the Bureaus by direct lenders or parties involved, but the Courts do not. Neither could advise me of who or what source reported my Bankruptcy, XXXX XXXX to them directly. On my credit report, it states no known reporting agency and the Federal Courts do no report information directly to the Bureaus. This direct intention to degrade my credit status has led me to inhabitable living arrangements, limited transportation and minimum income to live. The reporting was never verified and there was never a response from XXXX, Equifax or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
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: Investigation took more than 30 days

Complaint:
XXXX, Transunion, and XXXX are in violation of the FCRA for failing to respond to complaints regarding inaccuracies on my credit report. All three agencies have failed to complete an investigation into the accounts in question within the 30 days allotted as per the Fair Credit Reporting Agency Section 611 ( a ) ( 1 ) ( A ). Failure to respond satisfactorily within the 30 days of receipt of the letter mailed ( which I will attach ) may result in a small claims action against all 3 credit bureaus. According to various articles, these companies have been in violation of not responding to consumer complaints. The latest article I have read dates back to this yearXXXX XX/XX/2022. XXXX most often promised to open investigations of their disputes and send their findings to consumers at later dates. However, it failed to share the outcomes of its investigations with the CFPB. TransUnion made similar promises and also often failed to meet its obligations to share investigation outcomes with the CFPB. In addition, TransUnion often failed to provide a response in instances where it believed that third parties submitted the complaints, even though the CFPB says that consumers can authorize third-party representatives to submit complaints on their behalf. XXXX often took no action in instances where it believed that a third party submitted the complaint, although it did provide substantive responses to other complaints. All three bureaus relied heavily on automated templates to respond to complaints instead of providing a meaningful, personalized response to the consumer. That's despite having up to 60 calendar days to reply. According to the CFPB complaint database, there are more than XXXX complaints between the 3 credit bureaus within the last year regarding problems with credit reporting. The csv files of these findings will also be attached.

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