BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-01
Company: Experian Information Solutions 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:
XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 

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

According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Bepensa Capital, 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:
To whom it may concern : There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : Inquiries : XXXX XXXX XXXX XXXX Credito Real Usa XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look Forward to hearing your response. 


Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
today, XX/XX/XXXX I tried to call TransUnion because we noticed charges every month on our statements while doing our taxes. I called to find out what this was from. Apparently I signed up back in XX/XX/XXXX. I know for a fact I never agreed to any of these services as I would never pay for that. Also, they advertised their services as free or for {$1.00} I cant remember which. I just remember seeing something costing {$1.00} in the past. They also noted that I have never signed into the account or used the services, clearly proving i had no knowledge of the account. I asked for a refund and was told they do not do that by a very rude customer service rep who would not let me speak. I would like to get my money back for a service I did not agree to paying for.

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 2022-09-27
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Unknown number called me, only kept asking if this was " XXXX ''. I asked who was calling 3-5 times before the agent reluctantly disclosed who he worked for and that he was a client of a third party. He refused to provide details on why I was being called, what his position in the company was, and repeatedly threatened me with an array of actions he would use against me. The agent continuously interrupted me never answering my questions, but insisting I legally have to answer his questions. He accused me of : fraud, misrepresentation, breach of contract, and that I and my character are of very poor quality ( to put it nicely ). My XXXX  driver heard everything and even told me that he was harassing me with that call, someone with no interest in my affairs was worried about the conduct of the agent raises a number of red flags. The agent works for I.Q. Data International. Finally, he repeatedly tried to coerce me by threat of harm to pay him today or else I would face the threatened consequences. His demeanor was angry throughout the whole call. It is recorded. I am fearful for my well-being and financial status at the whims of a rogue collection agent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-08
Company: EQUIFAX, INC.
State: NC
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:
n accordance with the Fair Credit Reporting act XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: JPMORGAN CHASE & CO.
State: KS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I began the process with JP Morgan Chase on XX/XX/XXXX. During this process they required almost {$12000.00} in repairs and then stated it was the XXXX requiring this, not the underwriters of Chase. The requirements were by JP Morgan Chase. They repeatedly asked me to provide and contact the appraiser for the appraisal, which they can not do as the appraiser can only communicate with Chase as a third party source.I also was asked multiple times for a divorce decree to which I have never been married or owned the home with any other adult. I used my HELOC account to pay for the repairs and then had an change of increased interest rate. I submitted all forms required on the first of XXXX and was then told the week of XX/XX/XXXX they needed every XXXX from XXXX and XXXX. I submitted my XXXX 's from the IRS website and they stated they would not accept any documents from the IRS and I needed each XXXX from each employer. I also sent receipts of payments for the work required by the underwriters of Chase and they would not accept them as proof of the work completed. They also did not accept the reappraisal that included photographic evidence the work was complete. They needed a statement from XXXX Bank showing payment to the company listed. XXXX Bank will not give me a statement with proof of payment until the next statement date of XX/XX/XXXX. They stated they can not provide a history of payments made between the date of the last statement of XX/XX/XXXX until the next statement date of XX/XX/XXXX. Each week I am asked to provide further documentation of employment, income, legal documents on the custody of my child, utility bills from a year ago, etc. I have repeatedly asked to please review what has been submitted and let me know what is missing as for every week for 7 weeks I am spending significant time provide proof of owning my home ( JP Morgan Chase holds the current mortgage ), proof of purchases, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: Experian Information Solutions Inc.
State: PA
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. 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 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 explanation
Consumer complaint received 2022-09-27
Company: EQUIFAX, INC.
State: PA
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. 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report with XXXX, Experian and XXXX and noticed they are reporting inaccurate information such as dates, amounts and accounts being opened/closed. I sent a letter in XX/XX/2023 requesting them to verify/update this information and it was not done. I sent a second letter in XX/XX/2023 requesting the removal of this inaccurate information and it was not done. I don't know where to go from here as they are not trying to help fix and correct the issue.

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 2022-09-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting act inquiries XXXX XXXX XXXXXXXX XXXX XXXXXXXX  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 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 explanation
Consumer complaint received 2022-09-27
Company: JPMORGAN CHASE & CO.
State: ID
Product: Credit card or prepaid 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:
In XXXX, XXXX Chase Credit Card charged me for hundreds of XXXX and Audible books from XXXX dated in XXXX, XXXX There are way to many charges to list. My XXXX account has no record of these charges and I did not make them. These charges amount to around {$400.00}. Chase has no idea where these charges came from or why if the charges were made in XXXX, XXXX that they were not billed to me until XXXX, XXXX. 

I have had numerous conversations with the fraud department at Chase to no avail. I have an account in good standing for over 20 years. If needed I can send copies of my Chase statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: U.S. BANCORP
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
XXXX2022-I called the company and they just transferred me to another company that was a credit counselor who couldn't help they just told me to call XXXX XXXX and they just forwarded me to XXXX XXXX XXXX that the robot just hangs up on me. Plus I don't want to go this route. I want to negotiate with the company itself. I requested a hardship. Nobody cared. dead ends everywhere I go. The company is US Bank Visa. my monthly payment now is $ XXXX and they are charging me {$170.00} interest for the month of XXXX, 2022, {$140.00} interest for XXXX, 2022 and {$140.00} for XXXX, 2022. I will never pay this bill off and I told US Bank that I'm going to stop paying all together, and ill have to claim bankruptcy. I owe approximately {$8000.00} on this one bill and it never goes down. I can not keep paying this bill when only {$50.00} a month goes to the principal. its Ludacris. I am XXXX years old, XXXX  and I live on a limited income. Also I would never agreed to a 26.99 % interest rate, when im living off of social security.

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 2020-10-05
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:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX  XXXX Account Number XXXX XXXX   XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY 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 explanation
Consumer complaint received 2022-09-27
Company: PORTFOLIO RECOVERY ASSOCIATES 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 status incorrect

Complaint:
Portfolio Recoveries listed XXXX collection accounts on my credit report. I contacted them and we settled the accounts and I was told in writing as well as from their website directly that once the account was paid in full it would be deleted within 30 days. The accounts are paid in full, but 2 days after it was paid the account updated with a balance. They were not deleted, and the balances due was updated to {$240.00} & {$96.00}. Then on XXXX, the balance has been updated to {$0.00} settled for less. This is NOT what was discussed or promised when paying the accounts. They need to stand by their word and delete the accounts not update the account/ balance. I am submitting proof directly from their website showing their policy about deleting it, not updating it. Also showing proof its been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: Source Receivables Management LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed the same collection account with all 3 bureaus several times, I've contacted Source Receivables regarding the debt, and I even filed a complaint with CFPB about the credit bureaus. I have provided evidence that the information is incorrect and still nothing has been corrected. They continue to report a debt that is XXXX years old as XXXX years old. The debt has been sold several times from XX/XX/XXXX until XX/XX/XXXX. The amount of te debt haas changed 3 times it was {$580.00}, XXXX, and XXXX. The debt is not from a credit card company it is from XXXX. Therefore the amount should have remained the same being there is not any interest being charged. I have explained this to them and they continue to illegally report incorrect information. It seems no matter what debt collection agencies does the credit bureaus take their side right or wrong. They never take the side of the consumer actually no one helps the consumer. I refuse to allow them to report the same old debt for another 5 years. I have copies of my credit reports to verify that I am telling the truth. I also have a letter from the very first collection agency showing the original date of collection and collection amount. I submitted it to all of the credit bureaus and they totally ignored it when I disputed the debt XX/XX/XXXX and XX/XX/XXXX. I have contacted the debt collector Source Receivables Management asking for the validity of the debt from the original creditor XXXX on XX/XX/XXXX and I have yet to hear or receive anything from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: World Acceptance Corporation
State: SC
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 XXXX XXXX XXXX, has violated my rights XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

XXXX XXXX XXXX, has violated my rights. 

XXXX. XXXX, XXXX XXXX, has violated my rights. 

XXXX XXXXXXXX, 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 an account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: I.C. System, Inc.
State: SC
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 XXXX XXXX XXXX, has violated my rights XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX, has violated my rights. 

XXXX. XXXX, XXXX XXXX, has violated my rights. 

XXXX XXXXXXXX, 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 an account without my written instructions.

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

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 2022-04-25
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022.

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 2022-08-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights.15 usc 1681 section 8 states I have the right to privacy 15 usc 1681 section 604 a section 2. I also state a consumer reporting agency can not furnish my 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 2022-09-27
Company: Block, Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My information got stolen and card as well. There are multiple fraudulent activity on my account I realized. So I told cash app my debit card that it was fraudulent activity that I didnt authorize it. They didnt do anything or resolved the issue. My money is gone for something that isnt my fault. The bank is supposed to protect me not give me a hard time!! please help me its stressful I got to pay bills. Be in my shoes. How is it my fault? I thought we are protected from fraud! This is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Enhanced recovery Co has repeatedly attempted to put information about a debt that was not owed by me on my credit report. I have disputed it and had it removed several times. The debt belonged to my XXXX XXXX who used my name for internet. I did not know he did this. This company has repeatedly damaged my credit score.

Company response to consumer: Closed with explanation