BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXXXXXX 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 2022-01-21
Company: National Credit Systems,Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
National Credit systems was put on my credit report they are collecting for XXXX XXXXXXXX XXXX XXXX XXXX  they are saying I have balance of {$6600.00}. My Rent was paid by XXXX in full as they took payment for XX/XX/2021 through XX/XX/2021. I paid my rent on XX/XX/2021 on time on XXXX of the month. XX/XX/2021 I had XXXX XXXX and diagnosed with XXXX XXXXXXXX XXXX. I let management know that I would have to move out due to my condition the Manager XXXX  at the time said I would not be charged due to medical circumstances and not being able to work any longer due to my condition. In XXXX of 2021 National Credit systems contacted me with debt from the community I was living at saying I owed {$6600.00}. I explain my condition and that I can not be under any stress they said quote on quote It is not our fault you got sick and that regardless I need to pay the outstanding debt I explained my situation and was hung up on 4 times from XXXX the rep that was working on my file. I contacted the property as well to find out the manager XXXX is longer at that property. I explained my situation due to my condition this should of never went on my credit I am stressed and my credit has went from XXXX to XXXX and being harassed when I am ill. I requested an item list of charges never was received asked on XX/XX/XXXX and no one ever replied by law that they had 30 days or they have to take it off my account that was not done after I called again they emailed my on XX/XX/2021 well after my request. I have tried talking to the company no one will return my calls. Also emailed XX/XX/XXXX no response as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Hi, My XXXX  scores shows a big discrepancies between what it shows to my in their website ( XXXX, Equifax ) than the lender  credit report. I'm looking to buy a home and the Lender credit report requested show way to low my XXXX  score, I dont understand how there could be a discrepancy in my XXXX numbers as much as XXXX points in Equifax and XXXX points in XXXX, XXXX couldn't get it without paying them a fee! 
Can you clarify why is there this this discrepancy, seems completely unfair to consumer to believe that we have a good score when in reality does not. 
thank you for your input on this, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
RE : XXXX XXXX XXXX, Account # : XXXX Auto Loan XXXX XXXX has unprofessionally stalked my credit report, changed dates multiple times, and reflected inaccuracies in blatent disregard multiple times over the past 6 years. XXXX is taking revenge on me and damaging my credit score. I pay all my bills on time and can not get a break because XXXX is predatory. 

This latest discrepancy is XXXX is reporting this Auto Loan Charge Off as : INACCURACY # 1 : Last Payment Made : XX/XX/XXXX. The vehicle was repossessed in XX/XX/XXXX so how could the last payment be made XX/XX/XXXX? 

INACCURACY # 2 : XXXX is inaccurately reporting that the last payment was made in XX/XX/XXXX and at the same time saying the account was not closed until XX/XX/XXXX ( 5 years later ). 

XXXX is purposely punishing me and slandering my credit report. I will give XXXX 30 days to delete this MISLEADING and INACCURATE credit entry from all three Credit Bureau 's. 

I have written multiple times and XXXX has refused to take responsibility and correct their blatant errors.

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 2022-01-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I got a call at the beginning of the year from the homeowner at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX saying that there was a lien/deed for {$80000.00} on her property that was put there by Chase in XX/XX/XXXX. I have never been on title on that property. I was the listing agent/Realtor in XXXX and my Aunt & Uncle ( who have since passed away ) sold the home to the innocent homeowner who paid all cash ( so there was no Chase error in that manner. I believe I had at one time used that address as a mailing address as I was traveling a lot. 
I have made many calls and emails to Chase to remove the deed and since last week they have gone dark on me. I had an escalation expert and last we spoke this was with the legal department and there was " no update ''. Meanwhile this Title fraud is holding up the sale of the homeowner 's property and putting my real estate license and professional reputation at jeopardy. 
Additionally, I do not owe {$80000.00} to Chase. 
Chase failed to provide the original loan documents and service transfer documents from WAMU to Chase upon request. I have requested these documents 3 times in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have errors on my credit file and the credit reporting agencies are ignoring my request for removal. There have been several letters sent to them so far and there has been no movement. I should not have to call to correct them especially when I am sending certified proof in letter form of what the errors are. Several accounts and inquiries are listed and do not belong to me per 15 USC 1692 ( g ) Validation of Debts must be removed. I do not take owner of accounts and they are not mine please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

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 2022-01-21
Company: JPMORGAN CHASE & CO.
State: MI
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 had filed a dispute on a charge because I was scammed out of {$300.00}. I had made a purchase and I did not receive the item that I was supposed to receive. And chase told me they dont refund scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: Regional Processing Services
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I received a call from ( XXXX ) XXXX on yesterday, and was left a message by XXXX XXXX. She didn't identify who she was working for. I tried calling the toll free number she provided ( XXXX ) XXXX, and it rang once before disconnecting. Today I received another call from ( XXXX ) XXXX, so I return the phone call and speak with a " XXXX XXXX '' from the Office of Regional Processing, stating that I have a judgement against me in the amount of {$1200.00} for breach of contract and defrauding a financial institution stemming from a payday loan that I allegedly took out in XX/XX/2016 in the amount of {$340.00} and change. Sge then said that i could easily settle the matter by paying with a Mastercard or Visa card. I objected to giving my debit card information over the phone, and asked if they could send me something in writing or if they had a secured website that I can review the alleged debt. She flat out said no, that in order for me to avoid having the judgement filed with my county that I would have to secure my debt by providing them with my card information. She then suggested that I purchase a prepaid card if I don't feel comfortable releasing my debit or credit card information. When I advised her that I'm aware of my rights, she became more aggressive. I took down her name and extension ( ext. XXXX ). She didn't want to give me a physical address, only a XXXX XXXX address ( Office of Regional Processing, XXXX XXXX XXXX, XXXX, CA XXXX ). I did a search online and found a record of complaints filed against this collection agency with the XXXX. And according to the XXXX there is no business registration listed in XXXX XXXX, California for this company.

Company response to consumer: Untimely response
Consumer complaint received 2022-01-21
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I notified Chase that I had gone into a Time Share with XXXX XXXX in XXXX XXXX, XXXX XXXX and that they had charged my account {$2100.00} and {$2900.00} and another {$900.00} and that when I got home was when I noticed these transactions because there was no Wi Fi there and I wasn't aware of this. I also told them that I had 3-mailed XXXX and cancelled the contract within the cancelation period ( 4 ) days. They suggested that I get a new debit card and close my checking and savings accounts and open new ones, which I did. When I met with a bank representative and I gave her a copy of the contract ( pg.6 ) and a copy of a signed authorization for {$2100.00} so that she could fax it to their claims department. 

On XX/XX/XXXX I received a letter from Chase stating that they gave me a temporary credit while they researched my claim. I called asked them if they needed me to submit any other papers or anything to validate my claim and they said no that they will take care of this. 

On XX/XX/XXXX Chase returned my money to XXXX without informing me. 

On XX/XX/XXXX I was going to pay a bill and that's when I noticed that Chase had given XXXX my money. I called them and they told me to resubmit my claim. 

On XX/XX/XXXX I want to the bank and resubmitted my claim ( I couldn't attach copies, I will mail them ) since then I have been given the runaround. 

On XX/XX/XXXX I called the claims department to see if they needed anything else and how far along they were with my claim and I was told that I would be getting a phone call soon. 

On XX/XX/XXXX I called the claims department again to let them know that I still hadn't received the phone call and was told to call within five ( 5 ) business days. 

On XX/XX/XXXX I called the claims department and spoke to XXXX. I told him that the five ( 5 ) business days were up and what was going on with my claim and he rudely told me that I had to take my problem up with XXXX. I told him that I was Chase 's client ( customer ) and that I had done everything that Chase had asked me to do like getting a new debit card, changing my checking and savings accounts and they still paid XXXX I wanted to know from what account did they pay XXXX when on XX/XX/XXXX my old accounts were already changed and they were not supposed to go into my new account. 

To date, I have not heard from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 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 non-monetary relief
Consumer complaint received 2022-01-21
Company: Credit Card Acquisitions Group
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have informed this company numerous times not to call me at work regarding a debt I'm not aware of because they never give me any formation who they are or who they represent. On this date, they called me at work yet again, I hung up on them. 

Not even 5 minutes later, my landlord calls me and informs me that this agency has called him asking for information on me. 
This company has also called me numerous times with threats of having me served with legal documents at my jobsite. Also, today a fax was sent to my employer at my jobsite requesting personal information on me. 

i need all contact to STOP IMMEDIATELY!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Account information incorrect

Complaint:
I sent letters on XX/XX/21 and XX/XX/21, and have received no response providing validation. I would like the account removed from all XXXX credit reports ( XXXX, XXXX, and XXXX ). According to the Fair Credit Reporting Act, if a company can not verify within 30 days, the negative remark must be removed ; It has been well over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
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: Public record information inaccurate

Complaint:
Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as Social Security Number or Date of Birth in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Dear TransUnion I see that you verified the account listed below : XXXX  | XX/XX/2023 : Account number : N/A, Wrong account. Investigate, delete or fix date of last payments. 

XXXX  : Account number : XXXX, Wrong account. Investigate, delete or fix date of last payments. 

XXXX  : Account number : XXXX, Wrong account. Investigate, delete or fix date of last payments. 

XXXX XXXX XXXX | XX/XX/2023 : Account number : N/A, Wrong account. Investigate, delete or fix date of last payments. 

XXXX XXXX : Account number : XXXX, Wrong account. Investigate, delete or fix date of last payments. 

XXXX XXXX : Account number : XXXX, Wrong account. Investigate, delete or fix date of last payments. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.

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 2019-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
To Whom It may concern. XX/XX/XXXX I made a big mistake in XX/XX/XXXX. I had let some credit cards get out of hand, and I was looking at paying them off. 
Somehow, I got a message from XXXX XXXX about that time, Erase your credit card debt. I made the mistake of contacting them. They were talking about a " negotiated settlement, '' which sounded pretty good. When they told me to stop making payments, I told them that would ruin my credit. They said that no one would negotiate unless the account was delinquent. They said that it would be very easy to clear my credit rating when they finished. 
Im sure you have heard this story before. I ended up with a high-interest loan for what they paid on the credit cards. Then I got a XXXX Tax form ( Earnings statement ) from the credit cards for the unpaid balance, and paid tax on it. I could have paid off the cards for what it cost me. 
I have endured the consequences for 7 years because I felt that I had created the problem, out of my own ignorance. 
It has been over 7 years, and I am still paying exorbitant interest rates, except on my VA loan. 
You can see that I am paying all of my debts on time, and I can lower the balances, if I can lower the interest rate. Currently, I see nothing on my credit report that I can protest. 
Please, just point me in the right direction to resolve this problem. 

Sincerely, 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 2023-11-03
Company: EQUIFAX, INC.
State: FL
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX  Account Number:XXXX  Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 These companies pull my credit without my permission so therefore I filed a report with identity theft.

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