BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-04
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:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-02
Company: EQUIFAX, INC.
State: VA
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:
this account XXXX XXXX has been deleted from my report but its still showing on my account. this is a violation and needs to be taken care off

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have called CHASE Bank twice to inquire about my current bank accounts and each time that I call the call is routed to the credit card department. They said that a credit card was opened in my name on XX/XX/XXXX, with a credit limit of {$750.00}, and was closed as a charge-off account on XX/XX/XXXX. On XX/XX/XXXX, I was stationed in XXXX as an XXXX XXXX  and had no idea that someone opened up a credit card in my name until now the year XXXX. This account has never reflected on my credit report so I had no idea, I have never received any letters for this credit card. The address of this credit card was in NY. Apparently, someone reported it as a fraud in XXXX. The account number is attached to the document provided. Chase Bank has been failing to do its job in informing me that this has occurred in my name for years. Even though I had existing bank accounts with them in the past they still did not inform me that there was a credit card opened up in my name and that it was a charge-off account. I am finding out 8 years after the fact. The first time I found out from the representative they told me not to worry about it because it was reported as fraud. Two weeks after that I called back to check on my bank accounts and the call route me back to the credit card department that card is still reflected under my social security number which tells me that the investigation never was closed out. This is an internal problem in the bank and it has caused me to not be able to apply for any credit cards from chase because they had this hidden charge off a credit card that was opened fraudulently in my name. I have been trying to apply for credit cards and have been able to get credit from this bank because of this in their system. They have a responsibility to protect consumers ' information and they fail to do so for years. Right now I have a business account with them and I like to apply for business credit but I am not able to be granted any type of credit with them because of this credit card issue that I am not aware of. This is causing a setback in my business because I have not been able to obtain credit from them which is unfair because of their own negligence. They told me on the XXXX XX/XX/XXXX that they are going to have to start the investigation all over again and send over a message to that department. They need to do their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
After this vehicle was traded in for a newer vehicle, my GAP insurance was not paid back to me.

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 2023-01-10
Company: EQUIFAX, INC.
State: NY
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:
The website does not allow any login after updating my password several times, and the security freeze I have place on the account is no longer working. There is a problem with updating my email address, and my last email address is compromised, someone else is reading the emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is 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. Please delete the accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$67.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00}

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 2022-10-05
Company: Experian Information Solutions Inc.
State: FL
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 the Fair Credit reporting act XXXX  account # XXXX or account name XXXX XXXX, 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 report agency can not furnish an account without my written instructions.

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 2023-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Accordance with Fair Credit Reporting act XXXX  account XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602A. States I have the rights to privacy.

15 U.S.C 1681. Section 604A section 2. It also States a consumer reporting agency can not furnish a account with out written consent with out my written instructions

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 2023-10-05
Company: Maximus Education, LLC dba Aidvantage
State: AZ
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I requested that Aidvantage provide me with a signed, dated loan agreement ( i.e., promissory note ) that indebted to them for the alleged student loans. In order for a contract to be enforceable, the agreement/promissory note must contain the following information : the date of the loan, the dollar amount, the names of both parties, the rate of interest, any collateral involved, and the timeline for repayment. I have attached two versions of the letter sent to Aidvantage via certified mail. 
The information provided to be by Aidvantage only contained a loan amount and disbursement date. The other mandatory, contract enforceable items were not included. 
A contract constitutes an agreement between two or more parties. This agreement can not be made if one, or both, parties does not explicitly know how much they are required to pay back and by when AND if the contract has not been signed by BOTH parties to solidify the agreement. Again, the documents provided by Aidvantage did not include these required elements which therefore voids any alleged debt associated with my name and social security number. 
Please instruct Aidvantage to cancel any associated debts that exist in their system linked to my name and social security number as their contract/loan agreement is not legally enforceable since it does not contain the required elements for a legally binding contract/agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2021-12-02
Company: Experian Information Solutions 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 already sent you complaint few times and I just pulled for update my credit report I see you still didn't delete these negative accounts from my name. They are not belong to me.

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 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am in the process of reviewing my consumer report and noticed many inaccuracies regarding Account # XXXX including by not limited to, Account Status, Date Opened, Last Reported, Date Last Active, Date of Last Payment, as well as Payment History. 
15 U.S. Code 1681eWhenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Please investigate and provide proof the consumer reporting agency was in compliance with this matter. 
Please delete from my report, from this agency, for violating compliance procedures. 
Thank you for handling this matter.

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 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 printed off my consumer report a couple of months ago and noticed there were an obscured amount of inaccuracies, inconsistencies, and incomplete account information being reported by TRANSUNION. All of which at this point FCRA violations because I have pointed out these inaccurate entries on my consumer report back to back and TRANSUNION keeps verifying that the information that is reporting is correct and will remain. Transunion is failing to follow proper debt dispute procedures because if done correctly the information would be deleted from my consumer report. 

FCRA was established by the FTC to protect the fairness and accuracy from abuse by consumer reporting agencies like TRANSUNION and I want them held accountable for causing me great distress and still reporting inaccurate information even after I alerted them to the errors on my consumer report. I feel I am owed damages LEGALLY because the FCRA VIOLATIONS that's happening here is " willful ''. It is willful because even after I alerted them several times and gave them a chance to fix my consumer report and delete the inaccurate and unverified entries, they still dropped the ball and stomped on my rights as a consumer making me feel like I don't have any rights when it comes to my consumer report at all. 

I have attached the last dispute sent to Transunion, and my most recent credit report where I circled and notated all discrepancies that need to be deleted from my consumer report immediately. This recklessness being shown by Transunion has gone on long enough. I am stressed to the max trying to get my errors resolved. This is a factual dispute and I have provided all documentation and proof needed. If I do not get the resolution I deserve I am prepared to get all my documentation and go to court because I have been denied housing due to their negligence. At this point it makes consumers like me believe the CRA 's get paid big money to look the other way while our reports are left damaged.

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 2023-01-09
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never had a credit card or account neither authorized no body with XXXX  XXXX to open one This account its not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
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:
This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX 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 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 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 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 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 1681 s-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. XXXX ACCOUNT # XXXX ; XXXX XXXX XXXX  ACCOUNT # XXXX ; XXXX XXXX ACCOUNT # XXXX ; XXXX XXXX  ACCOUNT # XXXX ; XXXX XXXX XXXX  ACCOUNT # 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 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
my information was used without my consent multiple times and has caused harm to me and my report setting me back in a major way by violating a law that prevents the use of a report without a consumer consent. I need these accounts removed

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 2023-01-09
Company: CITIBANK, N.A.
State: AR
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:
When I opened my account in XX/XX/XXXX I was given a {$2000.00} Credit Limit. I paid way more than my minimum amount due every single month. I was trying to raise my credit score. In XXXX of XXXX, I made a payment mid month, and then on XX/XX/XXXX I paid {$800.00} for my XXXX payment which was an early payment. On XX/XX/XXXX I paid my entire balance off in the amount of XXXX. I did this right before I left to go to Colorado which was 18 hours away from home to take my daughter to a medical specialist. I had used every penny I had to my name to put on this credit card to help my credit, with the expectation that it would be available for my future use. They instead lowered my credit limit to {$390.00} as soon as I paid the balance off. I called immediately to inquire to the reason and dispute it. I was told that it was reduced due to a late XXXX payment ( that I paid early in the amount of {$800.00}! ). I could not get them to fix the situation but I was given a fax number to fax in my dispute. I was told that I could suspend payments until the dispute was responded to and resolved. I went to Best Buy and faxed the dispute from there, I also contacted my bank to dispute the payment since they put me in a horrible situation being 1000 miles away from home with no money or no credit card to use. The bank agreed with me about my dispute and issued me a provisional credit, and later issued me a final credit for the {$1900.00}. Last year before they closed my account they told me they would set me up on a {$60.00} month payment plan, and would raise my limit once it was paid off. I electronically signed the documents for the payment plan, and then they instead closed my account further harming my credit. They are still reporting late payments and now a charge off even though they never responded to or resolved my disputes.

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 2023-03-12
Company: Resurgent Capital Services L.P.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Lvnv funding placed another collection account on my credit file. Even after I made a payment plan I'm getting tired of this then they lie about me in response to my complaint. So they can keep messing with me. Everybody else has had trouble with them too. They don't have a right to place anything on your credit file when you made payment arrangements. Or a payment plan. I made a payment that I could afford and this still wasn't good enough for them. They want me to be denied credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: NM
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 response to consumer: Closed with non-monetary relief