BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They were companies showing on my report and these report is misleading and suspicious. They were able to remove some companies but some are still showing on my reports in other bureaus. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over XXXX so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S. Code 1666b.Timing of payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

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 2019-07-21
Company: JPMORGAN CHASE & CO.
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I contacted Chase onXX/XX/XXXX to advise of my flight being canceled & an incurred hotel expense. I have the Chase Reserve Card that has travel insurance. I was told that a claim form would be emailed to me. Two weeks later I contacted them again when I had not received anything. They advised the email had not sent. I submitted the claim form and all requested documents. They then advised the documents would be reviewed within 5 days. Two weeks later I called for an update, they said they'd do it then. I then got an email requesting documents that I had already submitted. I submitted them a second time. Chase seems to be delaying in an effort to not pay the claim in accordance with their cardmember agreement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-02
Company: Experian Information Solutions 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:
Please Remove/Block these fraudulent accounts from my credit report in XXXX  days of receipt. I am writing to you to express my deep concern over the fraudulent information on my consumer report. I was shocked to learn that I am a victim of identity theft, which has resulted in a negative impact on my credit history and my financial wellbeing. This has been hurting me as I am in the process of buying home for my family. I am emotionally distressed and need these fraudulent accounts removed ASAP. 
XXXX. XXXX financial- XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXt

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 2019-07-21
Company: EQUIFAX, 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:
This is the Second Time that I'm having a problem with my credit these account needs to be block. this is bad for my personal life and business can these account be taking off my account thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-19
Company: COMMERCE BANK
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I bought a new XXXX XXXX XXXX on XXXX/XXXX/XXXX and got a loan for about half the value of the car from Commerce Bank. When I went to add the new car to my insurance, the quote I got from my current insurance agency was too high so I switched insurance carriers and that took about a month - I had my new coverage established on XXXX/XXXX/XXXX. Commerce Bank is now insisting that I show proof of insurance cover from XXXX to XXXX or they are going to charge me a XXXX premium of {$220.00}. I understand their need to protect the collateral for this loan but those dates are in the past - I did n't have any accidents or incidents so I 'm not sure why they think they have a right to charge me retroactively just because I can not produce proof of insurance after switching carriers. I am just going to pay off this loan and be done with Commerce Bank because they XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Kriya Capital, LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had 2 collections on my credit report as of XX/XX/XXXX. I made a payment to both, one being for XXXX XXXX at a resolved payment. the pmt was for around {$550.00} dollars. As of XX/XX/XXXX both collections were removed from my credit profile. Now fast forward to today, XX/XX/XXXX, one year later. I have received a letter from Credence saying I owe {$780.00} from a collection from XXXX. I am so upset because I have been working on my credit for the past year. I had the automatic payments come out last year for XXXX XXXX for my collection. I have a XXXX $ balance. I should not be receiving a letter saying I owe anything. Debt collectors can not lie. They can not tell me I owe something that I do not owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My XXXX XXXX XXXX XXXX card information is being reported inaccurately.

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 2021-01-25
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
I requested measurements for a stormdoor from XXXX in XXXX TX almost 1 year ago. They told me I would have to pay for the measurements because some people end up buying from another company and because they use contractors to do the measurements. When I returned to the store after the measurements were done, the store refused to provide the measurements that I had already paid for with my XXXX credit card. I spoke with the store manager that said he would take care of the issue and either get me the measurements or have my card refunded. Neither happened. I disputed it with the credit card company. They came back several months later and added the charge back to my account. I contacted them again and the said I need to dispute it with the store. I told them that I did but they did not do anything. The credit card company put it in dispute again then several months later ( today ) it was taken out out of dispute and charges place back onto my account again with no communication.

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 monetary relief
Consumer complaint received 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 did not initiate these inquiries, and I believe they are fraudulent.

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 2022-10-04
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
I checked my credit report today XX/XX/2022 and found a lot of inaccuracies across all three bureaus.. by law my credit report must be 100 percent accurate. Please check the attached credit report I pulled today. Date last reported, Date last active, High credit limit, and Date of last payment is not the same across all three bureaus This is account for XXXX XXXX XXXX account number XXXX with the balance of {$3300.00}. Please remove this account for violation for reporting 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 2018-12-10
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent XXXX  multiple letters to verify this account and I never received proof or a copy of a application with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: EQUIFAX, 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 60 days later I have not received a response yet. I feel like I'm 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 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have  got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
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:
I AM LOOKING AT MY CREDIT REPORT AND I AM APPLALED. I CANT BELIEVE YOU GUYS ARE ABLE TO PUT THESE FRAUDULENT ACCOUNTS ON MY CREDIT. THESE ACCOUNTS ON MY CREDIT REPORT DO NOT BELONG TO ME. THEY ARE FRAUDULENT ACCOUNTS THAT DO NOT BELOGN TO ME. PLEASE INVESTIGATE AND REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT.

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 2023-08-07
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: Account status incorrect

Complaint:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the report of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer reports they are in VIOLATION! Under 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 2019-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 sent my documentation to TransUnion and they keep telling me that the information is verified but they have not provided proof by way of documentation to show that this my actual debt

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 2020-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I AM LOOKING AT MY CREDIT REPORT AND I AM APPLALED. I CANT BELIEVE YOU GUYS ARE ABLE TO PUT THESE FRAUDULENT ACCOUNTS ON MY CREDIT. THESE ACCOUNTS ON MY CREDIT REPORT DO NOT BELONG TO ME. THEY ARE FRAUDULENT ACCOUNTS THAT DO NOT BELOGN TO ME. PLEASE INVESTIGATE AND REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT.

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 2020-09-14
Company: EQUIFAX, 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: 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 60 days later I have not received a response yet. I feel like I'm 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 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21
Company: TCF NATIONAL BANK
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
2- Part Complaint- 1st : OPT-OUT Choice- Current XXXX XXXX have Been Charged " overdraft Fees '' so far as of today Total : {$140.00} Dates : XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX Under the " OPT-OUT '' category states '' " ATM and everyday Debit Card transactions will " NOT '' be authorized when the account balance is insufficient at the time of the transaction. '' THIS DID NOT HAPPEN AS REQUIRED, UNDER MY OPT-OUT CHOICE '', AND I -AM- BEING CHARGED-OVERDRAFT FEE 'S, and my online banking " Does Not show that ( negative amount ) transactions ( cleared online banking ), and merchants at ( Time of purchases Cleared ). 

2nd part complaint : Regarding XXXX My Compensation Portion ) of Court Case XXXX *My Account was NOT Credited ( was Due XXXX ) .Enclosed is copy of my 'year-to-date-Statements-Proof '' for which I had to make a Personal Visit to TCF Branch Location to ( Obtain the statements for XXXX ) per Court Case for Compensation 's Years- for Credits to Account. * UNDER - Frequently asked questions shows : " More Information Contact TCF Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Phone # XXXX Email : XXXX XXXX I called twice same day two different people- I Informed them I have Not been Credit to my account as court ordered, and " They denied me credit to account under Court order '' **Describe the methodology for " effectively '' identifying and " providing restitution to " Affected Consumers '', AND " Identifying '' the " Dollar Amounts '' of Restitution for " EACH '' Affected Consumer ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: Experian Information Solutions Inc.
State: SC
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 60 days later I have not received a response yet. I feel like I'm 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 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts 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 2019-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Transunion is reporting XXXX XXXX XXXX on my credit report and I spoke with the Consumer Finance Division in South Carolina and they stated this lender doesn't even have a right to lend in this State. This was an illegal loan and I have advised XXXX of this information and asked them to remove this illegal loan from my credit report, the request is currently pending an investigation but I cant understand what there is to investigate if the company was never incensed in my state to begin with.

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: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My newly bought vehicle was stolen and insurance paid off the remaining balance that was indicated by the loan comopany " Santander '' After it was paid off, Santander contacted me to collect XXXX Dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: EQUIFAX, INC.
State: IL
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 summited disputes on two companies, XXXX  XXXX XXXX and XXXX XXXX. The dates that they were summited is as follow, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I asked for the original copies of the contract on file with my signed signature. They are required by law to have these documents on file to verify this information. They had stated they verified these accounts. I want to know who verified these accounts? They also failed to provide the method of verification I had requested. If they can not provide these 3 items, I'm asking for both items to be deleted, as well as, {$1000.00} per item. I believe the law has been broken.

Company response to consumer: Closed with explanation