BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There is inaccurate information on my consumer report, the account starting in XXXX has been charged off according to the IRS amounts over {$600.00} have to be filed as income with a 1099c, income doesn't get reported on a consumer report, how is this being reported as a debt? please delete this off my report as well as the balance being innacurate according to 15 U.S. Code 1681e ( b ) accuracy of report ( b ) Accuracy of report Whenever 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. 

IF NOW THE STATUS HAS CHANGED WHAT YOU ARE REPORTING IS INACCURATE HOW ARE YOU MAINTAINING MAXIMUM ACCURACY WITH A INCORRECT ITEM PLEASE DELETE IT

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 2022-06-21
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureau to reinvestigate this account, check for inaccuracies, etc. Everything keep coming back verified and accurate. How can this be when the date filed is inaccurate and the closing date is not accurate. This is grounds for removal. 

Also, in accordance with the Fair Credit Reporting Act The US Bankruptcy Court Reference # XXXX, has violated my rights. 
15 US C 1681 Section 602 A states I have a right to privacy.

15 US 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 2022-08-19
Company: Experian Information Solutions 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 name is XXXX 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 2022-06-21
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureau to reinvestigate this account, check for inaccuracies, etc. Everything keep coming back verified and accurate. How can this be when the date filed is inaccurate and the closing date is not accurate. This is grounds for removal. 

Also, in accordance with the Fair Credit Reporting Act The US Bankruptcy Court Reference # XXXX, has violated my rights. 
15 US C 1681 Section 602 A states I have a right to privacy.

15 US 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 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
A credit inquiry from XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX was added to my credit report on XX/XX/2022. I suspect this was a result of Identity Theft Fraud. I attempted to get XXXX XXXX to investigate the matter but they only gave me instructions on how to send them proof of my identity.

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 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
Last year I discovered a false accounts with XXXX of XXXX XXXX, and XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it, and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute report, but they denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but they refuse to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.

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 2022-08-19
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 name is XXXX 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 2022-08-19
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:
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 2022-06-21
Company: CRESCO CAPITAL 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:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's 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, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Student loans 1-14 from XXXX XXXX have been disputed continuously since XX/XX/2021. Each round resulted in TU stating that the information was " verified '' and no actions would result. I ultimately uncovered and submitted proof that the 14 student loans accounts that were marked 90 and 120 days late were actually never in fact delinquent as I was in forbearance at the time of the erroneous reporting. Now all of sudden that I submitted proof that these accounts should be updated to good standing. Transunion decides to DELETE all of the information instead of update their records to reflect positive payment history. This is a DIRECT ATTACK on my personal credit and well being and tu has caused me considerable harm since they stated these accoutns were " verified '' when they were not and then instead of updateing postive payment history over 14 accounts they decide to circumvent my request to update the payment history and instead removed EVERYTHING which is intended to hurt my ability to obtain loans based on good credit history and purposely designed to keep me paying high interest rates and face loan discrimination. I want transunion to come in to HONOR and update my records to reflect the positive payment history I earned and deserve.

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 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have attempted to reach out to the creditors and the credit bureaus directly with multiple letters and have yet to receive a response or a resolution to this matter. The first dispute was mailed XX/XX/2023 and the second was mailed XX/XX/2023. We are in the month of XX/XX/2023 and still no response from reporting agencies. I have rights as a consumer and demanding a resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-23
Company: LEXISNEXIS
State: GA
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:
2ND COMPLAINT Dear Sir, I am in receipt of the response from LexisNexis regarding my complaint # XXXX. In their response, LexisNexis acknowledges that US Bankruptcy Courts do not provide information directly to consumer reporting agencies and that they ( LexisNexis ) have not verified the information they are providing to the three credit bureaus in accordance with FCRA laws, Section 611, paragraph ( 6 ) ( B ) ( iii.

LexisNexis confirms that they obtain their information from a third-party electronic source which is XXXX  Their acknowledgment of third-party information collection confirms that they are in direct violation of FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii, and therefore the bankruptcies they are reporting should be immediately deleted.

Please note, a third-party furnisher of information, such as PACER, does not meet the standards set by the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) ONLY the Bankruptcy Court should be the furnisher of information, not a third-party source.

According to the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding the procedures of reinvestigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available I demand direct, not third-party, proof according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) from LexisNexis of the following : 1. The courthouse name.

2. the name of the person who verified the bankruptcy.

3. the court address.

4. the court telephone number ; and 5. the documentation used to verify the bankruptcy If LexisNexis can not provide the information requested above in accordance with FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding the procedures of reinvestigation, I request that the CFPB take the appropriate action against LexisNexis for violation of federal law and additionally demand that the bankruptcies be removed from my credit report.

If the unverified bankruptcies, according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ), are not removed within thirty days further action will be taken not to exclude legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2022-07-27
Company: Yamaha Motor Finance Corporation USA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I financed two XXXX XXXX with Yamaha Finance USA. I made monthly payments on time for 7 years. The account was set on " auto pay ''. The final payment came due and was {$60.00} greater than the recurring payment of {$320.00}. I was contacted via email saying the account was past due - much to my surprise as the regular monthly payment of {$320.00} had been withdrawn from my bank account, on time, as in the past. When I got in touch with Yamaha Finance I was told I owed {$100.00}. I made the payment on the call and asked for the transaction history to demonstrate the account was paid off. When I received that history, I was surprised to find a late fee of {$39.00}, which there was no mention of on the call. 

That history is : XXXX - email notice of draft reminder ( as usual ) XXXX - draft drawn on my bank account of {$320.00} ( as usual ) XXXX - email notice of account past due XXXX - payment made ( due to my phone call regarding past due notice ) of {$100.00} which included difference between final payment and recurring payment of {$60.00}, a late fee of {$39.00} and finally an additional interest charge of {$2.00} XXXX - email of account history showing late fee, interest and account balance - which I had to request After receiving that email on XXXX with the account detail, I requested that the fee be refunded, and I was declined. However the only way I found that out was by me contacting them again today ( XXXX ) to check on the status, which was not easy, since the account had been paid in full it was no longer an active account. 

I am concerned there may be a practice going on that is at least unethical and at most fraudulent and possibly should be reported as a whistleblowing incident. I was very pleased to see Yamaha has a compliance and whistleblowing program. However, when I spoke with the account reps ( XXXX and XXXX XXXX, neither was aware of such a program. I absolutely love the waverunners, have owned various models over 20 years. Great product. I am concerned the finance department is acting unethically and damaging the reputation. Most importantly, other customers may be getting ripped off in the same fashion and simply give up because the amount is not all that significant. Please help in addressing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
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:
When I went to the dealership to look for a car i was told the dealership would pull my credit REPORT one time. I looked a my credit report it has numerous inquiries on my report. these inquiries were not authorize. This is causing tremendous damage to my report. I attached my report from the FEDERAL TRADE COMMISION. PLEASE REMOVE PROMPTLY MY RIGHTS ARE BEING BEING VIOLATED15 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. Code 1681c2 - Block of information resulting from identity theft PLEASE REMOVE ALL ADDRESSES LISTED ON FTC REPORT AND NAME 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 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 XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXXXXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: JPMORGAN CHASE & CO.
State: MD
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:
Reached out to Chase to dispute a charge made on XX/XX/21 for {$280.00}. I havent received my product after months of false updates. I already reported the company to the FTC. 

I was told by a Chase CSR/Agent that due to the time frame of the purchase, theres nothing they can do and the most I can do is try contacting the seller. Ive contacted the seller several times and received no response since XXXX of this year. Was also told, I should ask the seller to provide me an expected delivery date and I should basically wait for it not to show before I can try to dispute the charge. I cant even get in contact with seller to even try to retrieve that information.

Company response to consumer: Closed with explanation