BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-28
Company: V and H Portfolio
State: OH
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:
The issue has been ongoing since XX/XX/XXXX. There was XXXX  negative items showing on my credit report that were fraudulent and I had no knowledge of the creditor on my credit report. 
1. Vance & Huffman LLC $ XXXX Collection Agency _ original debtor ( XXXX XXXX  ) 2. Vance & Huffman LLC $ XXXX XXXX _ original debtor ( XXXX XXXX  ) 3. XXXX XXXX XXXX XXXX XXXX XXXX original debtor ( XXXX ) I contacted XXXX, XXXX and XXXX and file a dispute with them around XX/XX/XXXX. They all conducted investigations, XXXX and XXXX cleared the item from my account, however XXXX did not, XXXX state that the creditor meet FCA guideline, which was odd as the other to agency did not feel that they did, so I begin to investigate on my own around XX/XX/XXXX and find out that. 
1. Both the Vance & Huffman collection were from a company call XXXX XXXX, I phone XXXX XXXX and was able to determine that someone used my information to obtain furniture, but the original application didn't had my correct social security number, XXXX  use the a copy of licenses the perpetrators had given them at the time of application to gain my information ; I also found out the debt was over 7 year old. but the Collection agency is reporting as this debt occurred in XXXX. I contacted XXXX with the information I had obtain and they still refused to remove the item stating that there investigate result state that the credit meets the FCA guideline. 

2. XXXX XXXX XXXX, was contacted by me on XX/XX/XXXX, they were not able to give me information on the outstanding item because they said my information I gave them did not match there record, they also have report the item as being initiated in XXXX and XXXX bank has confirmed the item was older than XXXX but could not talk to me further because my information only partial matches their information in the file. Since the remove of this item from my XXXX report, XXXX XXXX XXXX has once again place the negative item on the XXXX and XXXX report. No one want to talk with me because they say my information doesn't match what on their file, however they are placing a negative item on my file, how is this possible if they don't match accordingly to the third party collection agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: TX
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX Balance : {$2100.00} XXXX XXXX Balance : {$420.00} XXXX XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX Balance : {$0.00}

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 2023-10-16
Company: Experian Information Solutions Inc.
State: GA
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:
Experian has been reporting these accounts and have not been able to show me proof of my original signature that i started these accounts. XXXX XXXX XXXX ( Account number XXXX ) & XXXX XXXX / XXXX / XXXX  ( Account number 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 2023-07-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please see the following FTC report and remove the unverified collection from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Consumer Adjustment Corp USA
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:
Reporting inaccurate and unverified information on my consumer report which is hindering my ability to conduct necessary banking transactions and is causing harm to my reputation as a consumer. Reporting alleged debt of {$100.00} allegedly owed to XXXXXXXX XXXX XXXX who I have no written contract with. Reporting alleged debt of {$3000.00} allegedly owed to CONSUMER ADJUSTMENT CORP who I have no written contract with. Reporting alleged debt of {$1100.00} allegedly owed to XXXX XXXX who I have no written contract with. Reporting alleged debt of {$2800.00} and {$1100.00} allegedly owed to XXXX XXXX XXXX XXXX. Reporting alleged debt of {$420.00} allegedly owed to XXXX XXXX XXXX who I have no written contract with. Reporting alleged debt of {$22000.00} and alleged past due amount of {$1100.00} allegedly owed to XXXX XXXX XXXX. Violations of 15 USC 1692b ( 2 ) -stating that I owe debt. Violations of 15 USC 1692d ( 1 ) -harming me the physical consumer and my consumer reputation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
The company is CHIME, an online financial services company. 

I received indications that someone opened an account under my identity ( emails, new card ). 

The issue is that there does not appear to be a fraud number or process for managing fraud. All financial services companies should have such an office for consumers to access. While they did 'close ' the account- I have no confidence that this is being investigated as there is no response or person to speak with but a generic email address. 

My FDIC backed and regulated banks provide such an experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: Experian Information Solutions Inc.
State: MD
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:
Experian has failed to respond to the 1st and 2nd letters, which is a clear violation of the FCRA. As of today, it has been 65 days since I sent out my first letter ( see certified return receipt and prior letter attached ). The FCRA requires that you investigate all disputes initiated by the consumer. 
I demand that you delete the inaccurate trade lines listed below : XXXX XXXX XXXX   XXXX By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my report. It is my understanding that you will recheck this item with the creditor who has posted it. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

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 2018-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Logged on to my Transunion account online. Tried to dispute a few accounts but when I got to the end to submit it, I got an error message that stated the accounts I was trying to dispute were not currently on my report. I 'm confused because if I am able to see the accounts and it gives me a dispute option then it must be on my credit report. Unless Transunion is not updating the correct information but its causing me to not be able to get a home. I need this to be fixed.

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 2023-10-20
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I tried to request documents that I signed when opening my account and both the customer service representatives, and the branch tellers refuse to give me my documents. I have tried it multiple times, and they continue to redirect me after making multiple attempts to obtain my initial agreement and account disclosure documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
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: Investigation took more than 30 days

Complaint:
DEPT OF EDUCATIONXXXX 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. ( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. ( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau.

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 2023-10-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The following credit inquiry was made, this was not me. I have submitted police report and ftc complaint. experian has not removed this from my file. 

Account name XXXX XXXX XXXX XXXX  Date of request XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Address identification number XXXX Comments Unsecured. This inquiry is scheduled to continue on record until XX/XX/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 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-05-30
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:
I have sent letters to remove personal information that I do not want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is supposed to share my information with third-party people. 

XXXX XXXX XXXX is NOT me. This person used my address. Again, XXXX XXXX XXXX is NOT me. 

There are clear violations of my federally protected consumer rights.

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 2019-07-30
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Experian is charging money to do a simple credit lock which is in violation of federal law! All they offer for free is a credit freeze which I don't want! You can't get a person to talk to as I tried them first!

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 2019-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been trying for more than 10 days to fix an error on all three credit reports. XXXX fixed the error which was probably caused by their breach within 24 hours. I filed to have TransUnion also fix the 2 errors. 
I am not XXXX XXXX XXXX XXXX and I have never lived at XXXX XXXX   XXXX XXXX XXXX, XXXX, Fl XXXX. 
These two errors need to be fixed by both TransUnion and XXXX.  I have tried to contact XXXX  for over 1 week and they are impossible to deal with. Their dispute website does not work and I keep getting kicked off. If you pay for a yearly membership, you might get through, but I doubt if that would even work. There is no human contact or customer service to help. Of all the credit bureaus they are the worst and only want to sell me my credit report or establish a membership. 

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 2022-02-03
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:
On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2018-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been disputing these two account for about a year with no success. I have sent supporting documents and get the same results. The furnisher has not been reporting accurate information. The credit bureaus have not verified the furnishers reporting base on the documents I sent. Also the account history has been modified. The first delinquency date has been changed which is against the law. The furnisher of the data is XXXX XXXX XXXX.Account number XXXX and XXXX One of the Credit Bureaus Transunion has deleted account XXXX due to the age of the account. according to the law you must report 100 % accurate information. The balance is inaccurate and the history is inaccurate the first reporting date is inaccurate the account is close this not a new account which the furnisher reports as new. The credit bureaus response this account has been verified as accurate how when the the history and my supporting document clearly show discrepancies. The credit bureau must verify all information before publishing This has hurt my credit standing please investigate

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 2023-03-14
Company: NAVY FEDERAL CREDIT UNION
State: MD
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:
XXXX XX/XX/2022, is when the charges began on the checking account in the amount of XXXX dollars. Unfortunately I did not notice the money was gone as we were visiting family in Missouri. the charges were completed and authorized in the state of New York. I have provided Plane tickets with time/dates with both my wife and myself stating we were in MO at the time of these transactions. once the official fraud claim was denied I then went to headquarters to file an appeal and the paperwork was routed incorrectly which put the a appeal another 10 days past. Navy Federal has been unprofessional from the start, I have called numerous times to get a status or to have the appeal worked and they only tell me to wait longer as I'm in que. Once again the claim is black and white I have never used XXXX XXXX XXXX. This money is used yearly for my daughters daycare enrollment fee. Someone committed fraud on my bank card but i feel as navy federal is not protecting me as my bank. I had a similar situation with XXXX a few years ago and it was handled within the week. I have already moved my direct deposit but now currently waiting for the funds to be reversed. Please help with this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
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:
Reporting inaccurate and unverified information on my consumer report which is hindering my ability to conduct necessary banking transactions and is causing harm to my reputation as a consumer. Reporting alleged debt of {$100.00} allegedly owed to XXXX & XXXX who I have no written contract with. Reporting alleged debt of {$3000.00} allegedly owed to XXXX XXXX XXXX  who I have no written contract with. Reporting alleged debt of {$1100.00} allegedly owed to XXXX XXXX who I have no written contract with. Reporting alleged debt of {$2800.00} and {$1100.00} allegedly owed to XXXX XXXX XXXX XXXX. Reporting alleged debt of {$420.00} allegedly owed to XXXX XXXX XXXX  who I have no written contract with. Reporting alleged debt of {$22000.00} and alleged past due amount of {$1100.00} allegedly owed to XXXX XXXX XXXX. Violations of 15 USC 1692b ( 2 ) -stating that I owe debt. Violations of 15 USC 1692d ( 1 ) -harming me the physical consumer and my consumer reputation.

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