BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 or 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 2023-11-11
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a XXXX XXXX credit card a few years ago. I paid the balance and closed the credit card. I was contacted by the store manager by phone. He asked me why I closed the account. I replied I didn't need it anymore. XXXX XXXX has been reporting my account as delinquent for years. They ruined my credit score. Some one in the store is responsible for this. I want an investigation about this. I paid the credit card and I closed it. Why would they report my account as delinquent? And why XXXX, XXXX and equifax took so long to understand that The report was false.?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
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:
I HAVE BEEN DEALING WITH THIS ISSUE SINCE XXXX OF XXXX AND THIS ISSUE HAS STILL NOT BEEN RESOLVED. THE ACCOUNTS THAT ARE REPORTING ON MY CREDIT FILE DO NOT BELONG TO ME AT ALL AND MUST BE REMOVED ASAP BECAUS EYOU ALL ARE BREAKING THE LAW! PER 15 USC 1681B YOU CAN NOT FURNISH FALSE INFORMATION ESPECIALLY IF THE INFORMATION IS INCORRECT. I NEED THOSE ACCOUNTS GONE I DID NOT AUTHORIZE THOSE. THET WERE THE CASE OF IDENTITY XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21
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: Old information reappears or never goes away

Complaint:
I am dissatisfied with your continued inclusion of the following information in my consumer report and your failure to maintain reasonable procedures in your operations to ensure the highest level of accuracy in the consumer report you publish. This graveerror has harmed my trust in your company 's procedures, and as a result, I will no longer extend credit, and I will not extend consumer credit, and if this information is not removed, I will no longer want my information to be reported in your company 's database. The FCRA was violated because the reasonable procedures listed in the affidavit were not followed ( Fair Credit Reporting Act ) .I have the right to privacy, as well as the right to choose where and how my nonpublic information is disclosed. Because it negligently reported false information, this account is deceptive and dishonest. Please provide me with documented proof that I gave you permission to report anything on my consumer credit report. I contacted the debt collector, but they refused to provide any proof ; as a result, you are reporting multiple fraudulent and misleading accounts. Instead of XXXX  days prior, they failed to provide me with written notice of this XXXX days prior. I am the only XXXX who can prove this debt. They demand that you delete this information because the alleged account is fraudulent. There should be no transactions in this report. The decision to report transactional information must be made with the consumer 's consent. The XXXX XXXX makes reference to this. A consumer must be given the option of directing whether or not transaction information should be reported because it negligently reported false information, this account is deceptive and dishonest. Please provide me with written confirmation that I gave you permission to report anything on my consumer credit report. I contacted the debt collector, but they refused to provide proof ; as a result, you are reporting multiple incidents. This is referenced in the XXXX XXXX. You are blatantly violating the FCRA ( Fair Credit Reporting Act ). My privacy is being breached by this. Please take note that my data has value because it is public information, and anyone who uses it without having approval from me in writing must pay me In accordance with the FAIR CREDIT REPORTING ACT, kindly block this information from being included in any credit reports and notify those companies who provided this 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 explanation
Consumer complaint received 2023-11-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
We believe in the importance of transparency and fair treatment for all clients. However, our recent experiences have raised questions about the intentions behind certain practices and whether they are inadvertently causing harm to homeowners like ourselves. 

We kindly request a thorough investigation into these matters to ensure that your company upholds the highest standards of integrity according to RESPA, XXXX, XXXX, and beyond Additionally, we seek clarity on the specific reasons behind our recent rejection as we seek Mortgage Relief and attempts to pursue legal remedy or allow weaponization of the law according to the information provided seems inconsistent with our understanding of the situation and this could affect the relationship over years, equity, the effectiveness of the original contracts, transparency in real estate market in general and specifically and current issues, and the accounting issues adding onto the hardship for which occurred and being ignored. We continue offer the opportunity and seeking the kind respect to similar to ensure no damage or loss would overcome the truth and reality or giving the advantage to certain practice contracting with what the law provide to protect.

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 2015-07-21
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Other

Complaint:
I went to the XXXX, XXXX branch of Chase on XXXX and XXXX. I was going to travel to XXXX XXXX for two to three weeks and wanted to pay a little extra on my credit card to a credit balance in case the bill ( s ) came in while I was out of state. I have done this in XXXX, XXXX and other chase banks in XXXX. I believe I had a {$50.00} balance due, and wanted to pay $ XXXX on the charge card account. I have XXXX charge cards with Chase. The drive through teller told me they would have to check with their manager, again I drew I believe XXXX XXXX XXXX, the asst mgr who informed me I could n't do it. I do n't know if he has a personal vendetta against me or not, but the only Chase person I 've ever had problems with is XXXX XXXX, other employees at this branch and the manager are nice, cordial and customer service oriented. He threatened me with the drive through teller listening that if I insisted he would either close my account, or recommend that it be closed. I do n't understand the problem, just put $ XXXX payment in the system. I could mail in XXXX checks for {$50.00} each or XXXX check for $ XXXX and they would take it automatically. I do n't appreciate this ongoing personal vendetta by XXXX XXXX against me, and had to write the CEO of Chase to get a response. The regional manager, I believe named XXXX (? ) who was cordial and professional, and I asked him if Chase does n't want my business, I will just take it to another bank or branch.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2022-11-21
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I am dissatisfied with your continued inclusion of the following information in my consumer report and your failure to maintain reasonable procedures in your operations to ensure the highest level of accuracy in the consumer report you publish. This graveerror has harmed my trust in your company 's procedures, and as a result, I will no longer extend credit, and I will not extend consumer credit, and if this information is not removed, I will no longer want my information to be reported in your company 's database. The FCRA was violated because the reasonable procedures listed in the affidavit were not followed ( Fair Credit Reporting Act ) .I have the right to privacy, as well as the right to choose where and how my nonpublic information is disclosed. Because it negligently reported false information, this account is deceptive and dishonest. Please provide me with documented proof that I gave you permission to report anything on my consumer credit report. I contacted the debt collector, but they refused to provide any proof ; as a result, you are reporting multiple fraudulent and misleading accounts. Instead of 5 days prior, they failed to provide me with written notice of this 14 days prior. I am the only one who can prove this debt. They demand that you delete this information because the alleged account is fraudulent. There should be no transactions in this report. The decision to report transactional information must be made with the consumer 's consent. The Gramm-Leach-Bliley Act makes reference to this. A consumer must be given the option of directing whether or not transaction information should be reported because it negligently reported false information, this account is deceptive and dishonest. Please provide me with written confirmation that I gave you permission to report anything on my consumer credit report. I contacted the debt collector, but they refused to provide proof ; as a result, you are reporting multiple incidents. This is referenced in the Gramm-Leach-Bliley Act. You are blatantly violating the FCRA ( Fair Credit Reporting Act ). My privacy is being breached by this. Please take note that my data has value because it is public information, and anyone who uses it without having approval from me in writing must pay me In accordance with the FAIR CREDIT REPORTING ACT, kindly block this information from being included in any credit reports and notify those companies who provided this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
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 is missing that should be on the report

Complaint:
To whom this may concern. I need the assistance of your department. Im having issues with either XXXX XXXX or the credit reporting agencies. It has gotten to the point of just down dirty disrespect!! 
Whats going on is, this is the third time my score has been abusively pushed back to the mid XXXX. During the past 2.5 yrs. of building my credit, It has had various highs and lows of which I thought nothing of until just recently! 
I was using Credit Karma as a method to monitor my credit. After achieving a XXXX score the next reporting cycle my score dropped to XXXX?!! Which was the score I had when I first started building my credit. I contacted Credit Karma and was told that I have a thin file ( meaning I have no history ) and I need to contact the XXXX. Before I contacted XXXX XXXX  I received an email from XXXX urging me to check out my credit score thru their credit view. When I clicked on the link I was directed to XXXX login. I logged in and found out that my credit history was available I click on the latest history and saw that my score was reduced to XXXX! Then the following report it was increased to the mid XXXX again. So approximately XXXX points vanished from my credit score. 
When I saw that I felt cheated and disrespected. I started to wonder is this the reason Im having a hard time breaking XXXX? 
This is my third complaint about inaccurate reporting of my credit history. Ive reported the first two inaccuracies to the, Consumer Recovery Department. I dont think me writing to them again is going to stop this foolishness and unfairness! 
I feel that Im personally being held back for reasons I have yet to discover. These feelings may not be reality but looking at where my score is and comparing it to my history seems to be really hopeless, daunting, discouraging and a attack on my finances which are real feelings. 
I want a investigation started to solve this problem and I want my score adjusted back to XXXX plus the points I earned while Im waiting for this to be resolved. 
Ive included pics of my credit history thru XXXX ( credit view ) via XXXX or visa versa. I notice that when my score was deducted points, there were a lot of points taken. But when I gained/earned points the amount was minimum in comparison. 
If you need to contact me, I can be reached at XXXX or XXXX XXXX XXXX Thank 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 2022-11-25
Company: EQUIFAX, 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: 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 corrected : XXXX XXXX XXXX .... Balance : ; {$260.00} ; XXXX XXXX XXXX XXXX .... Balance : {$30000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit 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 have made a purchase of an XXXX XXXX from Apple XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 and I had applied for Apple Credit Card to take advantage of 3 % Daily Cash on Apple products, I did not like the phone so I had returned it 3 weeks after the purchase date exactly on XX/XX/2021. Here the problem happened when Apple refunded me they made a mistake on the statement bill of XX/XX/2021, they forgot to add a minus sign - to 3 % Daily Cash balance refund and they considered that balance as credit balance I owe them which is not true and they forced me to pay that balance to get rid from it. 
The price of the phone was {$83000.00} The 3 % of Daily Cash was {$2400.00} The wrong credit balance was {$2400.00} Because of that wrong statement bill my credit report got hearted because I travel a lot and I didnt expect that I have any money to pay them after I returned the phone to Apple Store but it wasnt the case and they sent to the credit bureaus that I missed the due date payment for 3 cycles which is not fair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$74.00} XXXX XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$230.00} XXXX XXXXXXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$74.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX : {$1900.00}

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 non-monetary relief
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed below. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts that do not belong to me or were opened without my permission. 


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 2023-12-02
Company: Experian Information Solutions Inc.
State: IN
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:
I have previously disputed ( XXXX  XXXX Bankruptcy XXXX ) With you. And in response, you verified the item as accurate, stating that you have verified this information with the court. I contacted the court, and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter therefore, your initial response verifying the item with the court was either an error or a lie. Either way the reporting requirements do not comply with FCRA {$610.00} ( 15 U. S $ 1681I ). Also, I was told that this information was giving to you by XXXX XXXX please see attached document from XXXX XXXX stating that this information in unverifiable. And the information must be deleted immediately Please reinvestigate and notify me by mail with your reposes.

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 2023-10-05
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collection Agency Name : XXXX XXXX XXXX XXXX Account Number : XXXX Collection Agency : XXXX XXXX, Account Number : XXXX, Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX, In accordance with 15 USC 1692g XXXX I, XXXX XXXX XXXX XXXX consumer, am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to XXXX, XXXX, and Equifax about it. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in non-compliance with the Privacy of Consumer Financial Information Rule of the XXXX XXXX XXXX XXXX for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the " Aggravated Value of Purchase '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. Please be advised that if you fail to respond to this dispute within 30 days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief