BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a letter requesting Validation for XXXX XXXX XXXX on XX/XX/2022. On XX/XX/2022 I received a letter from XXXX stating that they couldn't locate my account. I then contacted my attorney who wrote a letter.to all ,3 credit bureaus advising them that the 30 day time frame had run out for XXXX to provide the requested validation without them having done so and that the account needed to be removed from my credit currently. They got copies of the letters sent and received. Instead they opened a dispute and XXXX seemed to have no problem locating my account in that instance. They are not abiding by Section 809 of the FDCPA. They did not provide validation within the time frame therefore this account must be completely.removed from my credit PER THE LAW!

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 2022-08-23
Company: Experian Information Solutions Inc.
State: TN
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:
Per my FTC report I have fraudulent information on my Experian report that needs to be 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 2022-06-09
Company: EQUIFAX, 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 checked over my credit file and I noticed some collection accounts that I am not aware of and I do not owe them any money when I try to contact them to get more information I cant even get all the proper documentation but they still try to collect debt from me so I have attached an FTC report to protect me during this manner & I asked that each collection account that i have listed in this be removed from my credit file immediately contact each creditor and bureau and have them remove these accounts now, this is very unacceptable and wrong for them to do FTC Report # XXXX XXXX ( XXXX ) XXXX {$320.00} XXXX XXXX {$15000.00XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX {$390.00} XXXX XXXX XXXX {$630.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 am XXXX XXXX, who is submitting this CFPB complaint. This complaint to TransUnion was the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX 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 non-monetary relief
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 submitted lawful factual disputes due to inaccuracies on my credit report, but Transunion and the XXXX XXXX will not correct or delete the accounts as required by law.

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 2022-12-03
Company: Navient Solutions, LLC.
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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat & payment on a credit card account under sin open end consumer credit plan as late for Purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
Contacted XXXX  and Transunionregarding inaccuracies in reported accounts contained on my credit files on XX/XX/2021, via certified mail. Submitted information indicating the inaccuracies, however, the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

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 2022-04-17
Company: CREDIT ACCEPTANCE CORPORATION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
I paid a credit acceptance included and call them the day they supposed to close it and now it's affecting my credit and they need to move me another car

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 2022-08-02
Company: BMW Financial Services NA, LLC
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I entered, in good faith, into a consumer credit transaction with BMW Financial services on XX/XX/XXXX. During this transaction, I was asked for my credit card ( social security card ) pursuant to 15 USC 1602 ( l ) to fund this transaction, as under 12 USC 1431 banks are strictly borrowers, and I the consume under 15 USC 1602 ( f ) am the original creditor. I was told in an unlawful adverse action letter that due to their internal standards I had been denied credit. Under 12 CFR 202.9 ( 3 ) ( b ) ( 2 ) internal standards are not sufficient to deny me of my right. The ECOA strictly prohibits the type of adverse action that can be taken under 15 USC 1691c, and mentions nothing about internal standards, low income, too few accounts or how long I have had my credit. BMW Financial services unlawfully discriminated against me, as under the ECOA they can not discriminate against an applicant who has applied in good faith, or exercised any rights in good faith. This constitutes as unauthorized use of my credit card under 15 USC 1602 ( p ) and i wish to be compensated for my damages by either granting me my extension of credit to purchase the XXXXXXXX XXXX that I applied for, or a car of like grade and quality. Under 15 USC 1611, 1691, and 1691e they can be held labially civilly and criminally for breaking the law and discriminating against me the consumer and applicant. I will also be mailing off my concern to the proper department at BMW Financial services, I have attached a copy that will be going out on XX/XX/XXXX and should arrive 5 days after.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with with the fair credit reporting act and account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A 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 instruction.

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 2022-10-24
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$240.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00}, and XXXX  XXXX Opened : XX/XX/XXXX Balance : {$1200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been trying to sign into my Equifax account to manage my account freeze but every time I enter my sign in and password I receive the same message we are temporarily unable to complete this request. 
I am trying to purchase a new car and want my credit check available when I find the right vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$430.00}

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 2022-12-10
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I was contact on my phone by company saying they are XXXX XXXX and told my power will be shut off. They asked for XXXX transfer to pay it immediately and although Wells Fargo bank knows it was fraud they are still not reimbursing me. Im out at least XXXX dollars. My power bill has not been paid and is due to be shut off.

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 2022-09-28
Company: Experian Information Solutions Inc.
State: PA
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 explanation
Consumer complaint received 2017-04-26
Company: JPMORGAN CHASE & CO.
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Why are transactions that are automatically withdrawn from my account not show up on the day they are actually withdrawn? They are appearing after my direct deposit has been made, but then backdated to the day they were actually withdrawn. This then creates insufficient funds fees. I have almost {$200.00} in insufficient funds fees due to this issue. For instance : when I checked my balance on  XXXX / XXXX /  XXXX  , it was overdrawn {$62.00}. On  XXXX / XXXX /  XXXX  , the day my employer made a direct deposit, all of these other charges ( and insufficient funds fees ) appeared suddenly, only they were backdated to reflect that they had been debited previous to the direct deposit. Yes, there have been times when I knew my account was overdrawn and fees would be added accordingly, but the way your system is set up to process transactions is corrupt. This is fraudulent activity and if it continues, you will lose another customer. I know that FDIC has you rated  as one of the top banking institutions in American, therefore you feel you are able  to manipulate the masses as you seem fit, but you wo n't strong arm me. I work too hard for my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-25
Company: General Motors Financial Company, 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:
Over two years ago I contacted XXXX regarding my account with GM FinancialXXXXAmeriCredit that was opened in XXXX. This account had many delinquencies that began in XXXX after my brother passed with no life insurance resulting in me taking on responsibility for a funeral debt in addition to other personal issues that ensued me from fulfilling my obligation to make timely payments to GM Financial/AmeriCredit . Fast forward and almost 10 years later, this account is still on my credit report to negatively impact my credit. 

I paid GM Financial/AmeriCredit every cent that I owed them which included all the exorbitant late fees for their harassment in XXXX. I disputed the presence of this account still on my credit report with XXXX and GM financial about two years ago to no avail knowing that the fairness of " up to 7 years from the date of first delinquency '' would mean that the account could be removed now or at the latest in XXXX. However, I was met with resistance and fraud on the part of both XXXX and GM Financial/AmeriCredit and there was nothing I could do but continue to suffer the consequences of the negative reporting. XXXX reports " Data Unavailable '' instead of what should have been a late payment. I'm sure they know this because I brought it to their attention. And just last year XXXX was reporting 3 more late payments than they are this year ( a provable fact ). Now the late payments on my report for the months of XXXX, XXXX and XX/XX/XXXX are filled with dashes ( - ) to indicate " Data Unavailable '' when last year they showed " RED 30 Days Late ''. Isn't this FRAUD? This seems to be the same thing they did for the " dashed '' or months showing " No Data '' for the years XXXX and XXXX. Isn't this FRAUD? Isn't this so that this negative reporting can stay on my credit report longer? Does XXXX get paid more for allowing creditors to do this? This is wrong and unfair. 

And when does the " Up To '' 7 years from the date of first delinquency get considered. Who gets the benefit of this privilege? What circumstances allow this? I pray that the Federal Government will come up with a way to ease the burden of this type of discrimination and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: Checkr, Inc
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Spark driving for XXXX with XXXX XXXX. My application has been submitted for almost 3 weeks. XXXX work has no customer service contact number. The place running my background check is waiting for my consent forms that i have already filled out. XXXX will not let me update or resend them. I can not get in contact with them. This my personal background report that I want done asap or delete my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 XXXX Account # 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 reporting agency can not furnish a 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 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-10-24
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXXXXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes

Complaint:
My card was fraudulently opened up in XXXX and charged {$13.00} when I found out in XXXX it was already late .... I never received the card or knew what was charged JP_ Morgan Chase let me know that they were removing it from the credit bureaus, but this fraud activity hurt my ability to get a mortgage loan. 

Please have them remove it from all 3 bureaus ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
All inquiries from XX/XX/XXXX and XX/XX/XXXX from both Equifax and XXXX I disputed several times with both that they were unauthorized

Company response to consumer: Closed with explanation