BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-19
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: Account information incorrect

Complaint:
My account was charged off in XX/XX/XXXX with a balance of {$35.00}, XXXX. The same account is charged off again XX/XX/XXXX and XXXX, XXXX with a new balance of {$36.00}, XXXX by Transunion and XXXX respectively. I had noticed a change in my account balance by Transunion and XXXX. This prompted me to send letters to the 3 credit bureaus because my account information/ balance should be uniform across the credit bureaus if it is coming from a single source ( XXXX XXXX ). Subsequently, XXXX simply updated my balance from {$35000.00} to {$36.00}, XXXX with a new charge off date of XXXX, XXXX. This doesn't seem right because the same account should not be charged off again. Also, it doesn't make sense that 3 credit bureaus are reporting different information from a account that is coming from a single source. 

XXXXXXXX XXXX is aware of this as I also requested for a full validation of my account, including the original signed contract with my signature.

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 2023-02-08
Company: JPMORGAN CHASE & CO.
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:
Mortgage in my name XXXX XXXX XXXX  a credit card opened in XX/XX/2023 I have not opened a credit card or any loan I. The past 9 years any thing open now is fraud not me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: EQUIFAX, 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:
I looked at my reports and saw that XXXX XXXX is reporting an inaccurate charged off account on my credit reports. I have been disputing this account for some time and was able to get this account successfully disputed from Equifax in XXXX of 2022. On top of getting this account deleted I have also found that each bureau is reporting multiple inconsistencies concerning this account on my reports. If all three bureaus get their information from the same place then how are they all coming up with different information including multiple account numbers for the same account? Its obvious that my disputes are not being processed correctly and no proper investigation has been completed concerning this account. This account was also reinserted into my reports by Equifax back fin XXXX of 2022. Per the FCRA, I am to be notified by writing that an account will be reinserted on to my reports 5 days before it is reporting. I never received ANY type of communication stating as such. As a consumer I expect to that the credit bureaus will report accurate information on my reports and properly acknowledge my disputes but its concerning that they are all able to ignore the law and no action is being taken. I am demanding that this account Is deleted as they are not in compliance with reporting on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
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: Credit inquiries on your report that you don't recognize

Complaint:
The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates the collection of consumers ' credit information and access to their credit reports. It was passed in 1970 to address the fairness, accuracy, and privacy of the personal information contained in the files of credit reporting agencies. This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 XXXX XXXX XXXX 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. 

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 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 2023-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XXXX, XXXX and TransUnion are reporting negative information on my credit reports without my consent Section 604 15 U.S. code 1681 B states that the credit bureaus dont have a right to report any information without my written consent all 3 credit bureaus have wrong names and phone numbers on my reports

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 2023-02-13
Company: Credit Corp Solutions Inc.
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A company named Credit Corp Solutions XXXX Tasman Credit Corp is trying to collect an old installment line of credit that I previously settled in full with XXXX XXXX XXXX. I have an email from XXXX from XX/XX/XXXX stating the loan number and that the message serves to confirm the loan had been settled in full. In XX/XX/XXXX, I started receiving phone calls and mail from XXXXredit Corp Solutions XXXX Tasman Credit Corp stating that XXXX XXXX sold the account to them for collections for an amount of {$2600.00}. Even after providing them with the original email stating the account was settled in full, they continue to tell me I owe it. I am concerned that it will harm by credit score that I've worked hard to repair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
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:
XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2022 I did a thorough investigation myself and noticed various inaccuracies. I have already tried fixing this problem with the company. 

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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: Tower Loan of Mississippi, Inc.
State: MS
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 and I am a consumer/natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX XXXX repossessed our XXXX XXXX from our lessee XXXX XXXX. We found out that there was a claim filed with XXXX XXXX. We found out in XXXX of XXXX that the damages were paid for via a two party check made out to XXXX XXXX and XXXX XXXX XXXX XXXX We reached out to XXXX XXXX XXXX and they found out the check was cashed without the endorsement from XXXX XXXX XXXX XXXX. The damages were not repaired and we had to pay for repairs. We filed a forgery claim against Wells Fargo Bank in XX/XX/XXXX. The claims center at Wells Fargo advised that we need a claim number that is in a packet that they send to XXXX XXXX. I reached out to XXXX XXXX and they still have not received a packet with a claim number to get things moving forward and Wells Fargo advised me that I can not get an update on the forgery claim without the number.

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 2023-02-13
Company: Affirm Holdings, Inc
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I ordered an XXXX XXXX gen with an XXXX XXXX through XXXX with Affirm on XX/XX/2022 they said I would have to sign the package but the shipping company XXXX left the box on my front porch with no signature and nobody was home. After getting the alert, I ran home and found my package was missing. I immediately reached out to XXXX to see what happened. They said it was delivered and to reach out to the shipper to verify. After I opened a ticket and talked to XXXX customer service they said that the package was scanned at my location but confirmed it was not signed for as it was stated. After that, I reached out to XXXX with the evidence and they said that if I paid for it myself they would give me a refund right away. But since it's with Affrim I would have to reach out to them directly. I reached out and provided the information to Affirm and they told me to just wait to see if it ships. A couple of days later part 2 of my order was shipped with XXXX ( the XXXX XXXX ) when it shipped I immediately let them know I received part 2 of my order but am still missing part 1. I then followed up on the order a couple of days later to say I'm still missing it and they responded by saying the item was delivered and showed me the tracking number of the XXXX package which was just the XXXX XXXX priced at under XXXX XXXX I argued I am still missing my XXXX with no luck, I was stuck in a loop with Customer service with everyone saying that I got my order until I escalated it twice to a manager so I could speak with someone not just chat. Every time I escalated it to a manager they agreed with me that I shouldn't have to pay for the item I never received. I don't mind paying for the XXXX XXXX but I would have rather returned it since I never received my XXXX ( main item in order ). A couple of days after escalating the issue I would get told the item was shipped and get provided the same XXXX tracking number again as if they had no idea the 2 items in my package were sent with 2 separate companies and after 3 months of the same loop they sent it to a collection agency. I am in the process of disputing with them too this whole process has been very anti-consumer. My credit is taking a hit and they are expecting me to pay XXXX XXXX  + for an XXXX I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I sent a letter to Experian, XXXX, and XXXX on XX/XX/2023. Its been well over 30 days, I still have received anything back According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian. XXXX. and XXXX have 30 davs to respond to my dispute This a violation of my rights. 

Receipt and tracking number from United States Postal Service. 
Tracking number : XXXX Receipt number : 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 2023-03-06
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below reporting on my credit report in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I'm looking forward that the disputed items will be corrected immediately. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
For over a year now I've had none stop problems with Trans-union and how they've miss managed my Info and identity. all of these issues have been on going for 18 months plus. I can't get any service Trans-union offers online because every attempt to is meant with " We're unable to complete your request online. '' and " Error retrieving credit report ''. they give you a number to call, sometimes there a chat box, call the number and they want you to use the text support option, if you're patient enough, there's eventually a person to " offer you '' " support '' the only problem is they as useless as the quotes i just used for the word support. their automated system they use to verify my identity sure can match my personal info up with 20 easy questions that covers, My name, address, phone number, SSN, DOB, and so on and so. all the info they use to get me to a live person for help and no help. I've been told multiple times over the last year and half that I have a Current Freeze on my Trans-union and that i have to remove it, because my identity can be verified from trans-union. XXXX denies me for the account everyone gets approved for. good credit, bad credit, XXXX XXXX, second chance banks, death row. everyone is qualified for XXXX. Expect me! they deny me because they cant verify my identity. I have so much incorrect info listed on my trans-union credit report and i can't dispute it. online tells there's an error, call us. I call them and they say i need to use the online portal to verify my info. can't verify my info online, so i have to call this different number. call number, its the wrong department. I literally can't get anything done with them.

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 2023-02-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
NOTICE Regarding Freedom of information Act request due to unauthorized use or unlawful activities or no consent or lawful authority to close account in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
On XX/XX/2023 I signed two cancellations coverage for 2 policies I was sold in buying my car. The dealership signed the cancellations and the Finance Manager stated it would take a couple of statements for me to see the credit on Toyota Financial Services. 

I contacted Toyota Financial Service today XX/XX/2023 and they had received no paperwork from any gap carrier or dealership XXXX XXXX. 

I contacted each gap carrier and was told by XXXX at XXXX XXXX XXXX XXXX that XXXX XXXX from XXXX XXXX in XXXX had called them and told them not to cancel. 

I drove to XXXX XXXX today and met XXXX XXXX who stated the finance manager had put a hold on my cancellation due to a possible claim. XXXX XXXX intentionally blamed the finance manager, I felt XXXX XXXX was not truthful - the Finance Manager did his job but the one who writes the check XXXX XXXX or sends the claim is withholding the information. 
I feel XXXX XXXX acted to defraud me and my right to cancel these policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
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:
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 XXXXXXXX US DEPT OF EDUCATIONXXXXXXXX XXXX XXXX XXXXXXXX 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 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 2023-02-14
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I am constantly hitting overdraft fees that place me negative - $ XXXX even though I have an overdraft protection. Ive been a valued customer for several years and am considering closing my account! This is unacceptable for a bank who has millions to over charge me when clearly I dont have money in my account!

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 2023-01-18
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 ACCOUNT XXXX XXXX has been deleted off of my Transunion. Credit report three or four times in the year of 2022 and it keeps reappearing over and over again! I have no knowledge of any debt with this company. I have asked on several occasions for validation, of competent evidence bearing my signature with this company account XXXX XXXX because I have no knowledge of this company or any alleged debt with this company and if not this needed to be deleted for good from all 3 credit reporting agencies. 

15 USC Code 6801-Protection of nonpublic personal information protects us as the consumer against financial institutions 15 US Code 1681b- permissible purpose of consumer report ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the circumstances and no other I HAVENT GIVEN ANY WRITTEN INSTRUCTION TO REPORT TO MY WRITTEN CONSUMER REPORT This is also HIPAA violation

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 2023-01-20
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2022 contacted XXXX services in regards to unauthorized inquiries showing on my XXXX credit report. 

XX/XX/2022 XXXX XXXX ( not authorized ) XX/XX/2022 XXXX XX/XX/XXXX, XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card service

Company response to consumer: Closed with explanation