BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
For the past several months, around the middle of the month, my Trans Union and XXXX scores plunge between XXXX and XXXX points with no noticeable changes to warrant such steep drops. Sometimes they are corrected within a few days, however, other times they take more than a month to be corrected. This has been occurring almost every month since it began in XXXX, 2023. I have taken screenshots of the trajectories of these accounts per line- graphs as well as screenshots documenting the erratic behavior of these accounts/reports. 

This is not singularly occurring to my reports. A close friend woke up last month to discover that she was deceased and that all the accounts on her report had been closed and her credit score was " XXXX ''. Many complaints and comments regarding this same behavior have been posted on sites like XXXX and others. XXXX does not seem to have the same instabilities as XXXX and Trans Union regarding this issue. 

I have been denied credit and/or been assessed higher interest rates because of these issues and may decide to seek relief through the Federal Courts if something is not investigated and resolved with the two aforementioned bureaus. 

Thank you in advance for conducting a thorough investigation into this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any unauthorized inquiries which was opened without my knowledge, consent or authority. The following inquiries need to be removed as they are fraudulent. 

EQUIFAX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-03
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/XXXX I received a call from a friend at XXXX in an emergency asking for XXXX dollars I was half asleep and sent what I thought was the XXXX just to find out it was XXXX instead I reached out to the person and they tried to convince me that I only sent XXXX so I reached out to chime and I was informed before filing a dispute I have to attempt to contact the person which I did and the person stated I only sent XXXX dollars and on XX/XX/XXXX sent XXXX dollars back I stated that it was XXXX and me and the individual had a heated argument which cause the person to block me on all platforms which caused me to block the person on my chime after doing so I received that my dispute was denied due to a denied transaction to the person which is impossible because I blocked the person so I reached back out to chime to inform them of the information and was told that they would start a dispute but I need to send screen shots of the messages and proof I'm blocked by the other person which I did on XX/XX/XXXX doing so I waited to hear from chime and never did so I reached out to chime on XX/XX/XXXX and spoke to a manager and I was informed that the images was not compatible with their system and I should've sent it pdf format which I was never informed I sent the proof verifying the transactions don't on XX/XX/XXXX and XXXX XXXX and I send the text messages as well as the screen shots of proof I continually reached out until I was blocked and chime is telling me there's nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: Experian Information Solutions Inc.
State: FL
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: Problem getting your free annual credit report

Complaint:
I have repeatedly tried to obtain my credit report since XXXX of 2019 from Experian, Experian refuses to allow me access online, i have repeatedly tried to upload this information and repeatedly lost connection, i have repetedly mailed the info they have requested numerous times and they dont respond, Further there is no published phone number for this company that has a live person or a prompt to get to a live person ... However there appears to be a way to obtain it for {$20.00}! This is not right..being billed and made to jump through hoops for something that by law i should be able to easily obtain..

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 2023-12-17
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
At the beginning of the Covid-19 pandemic, I was subjected to extended lock-down that reduced my pay by 50 % for the duration of the pandemic. This resulted in late payments on my car loan. I have made all payments and the account is in good standing with no late payments since the lock-down restrictions ended. 

I reached out to KIA Motor finance and requested that the late payments being reported on my credit report be adjusted to reflect paid on time as the circumstances that lead to late payments were outside of my control. The representative I spoke to from KIA said this should not be a problem, but to date all the late payments due to the pandemic are still being reported on my credit report and are severely impacting my credit score.

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 2023-06-19
Company: EQUIFAX, INC.
State: IL
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 find it unacceptable that there are public records on my credit report. This is causing me a lot of anxiety and distress, and I am pleading with you to remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They have been calling my phone number repeatedly over the past several days. Today is the XXXX of XXXX, and on the XXXX of XXXX XXXX, I called them to ask them to stop contacting me, as I was not sent a proper written notice. However, they have called me twice from the number since, and now an additional three times from a second number, and it is likely from other numbers, as I have stopped answering all numbers I do not recognize. Some of these were multiple times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: EQUIFAX, INC.
State: WI
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 contacted all three credit bureaus through certified mail.To request an investigation and deletion of this hard inquiry on my credit reports from XXXX. That was over 90 days ago and still haven't heard anything from them. This hard inquiry has caused great hardship, stress, and has made my credit score decrease drastically which has prevented my from getting a home loan etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Experian Information Solutions Inc.
State: CA
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:
Hi i have tried to fix this false reporting with Experian last month and they didn't update the late payment i had. I need this late payment that is being reporting By XXXX XXXX  on XX/XX/2022 to be update i was never late. I have attached the letter i sent them and they have no proof of this error they are reporting. This has dramatically effected my life and has me getting denied for cars and apartments. Which has me homeless and car less. I need this fixed asap

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 2022-06-03
Company: Experian Information Solutions 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 Fair Credit Reporting Act, Experian, XXXX XXXX, XXXX have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. Account : XXXX XXXX XXXX XXXX ACCT # XXXX & ACCT # XXXX According to the 15 U.S.C. 1681 Section 602 states I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 5 ) states that no consumer reporting agency can make any consumer report containing any of the following items of information or any other adverse information other than records of convictions 15 USC 1605 states that the finance charge is the sum of all charge, no such thing as late payment, REPORTING DELIQUENT/NOT FACTUAL 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 any purpose REPORTING DELIQUENT/NOT FACTUAL 15 USC 1681 section 604 a section 2 ; states a consumer reporting agency can not furnish an account with my written instructions 15 U.S. Code 1692d - Harassment or abuse ; A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt 15 U.S. Code 1692b ( a ) ( 2 ) Failure to do a proper investigation, Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall bot state that such consumer owes any debt, 15 U.S. Code 1681d A person may not procure or cause to be prepared an investigative consumer report 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 w/a written request or through mail ( failed to do so ) 15 U.S. Code 1681d ( a ) ( 4 ) no consumer reporting agency shall not prepare or furnish an investigative consumer report on a consumer that contains information that is adverse to the interest of the consumer and that is obtained through a personal interview with a neighbor, friend, or associate of the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE THE ITEMS I NEED DELETED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT & DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-12
Company: American Credit Acceptance, LLC
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I bought my XXXX XXXX XXXX on XX/XX/XXXX of XXXX from XXXX  XXXX XXXX XXXX. My car loan is through American Credit Acceptance. On XXXX of XXXX they decided to Charge-off my car due to Natural Disaster affected by COVID-19. Even though I have been in paying my car loan the entire time and I had the transaction payment sheet as proof.They also never reported my car to the credit bureaus during the entire time I've had my vehicle. So, in XXXX of XXXX, I had an open case with the State Attorney General Office in Ohio. ACA refused to reverse the charge off from XXXX and refused to update my Credit report. But, they did agree to take the XXXX off my credit tradeline. So, now as of XXXX of XXXX they said they were going to repo my car for missed payments, even though the car has been paid off by pandemic relief money and I've been making payments. So, I sent in a {$2000.00} payment on the XXXX of XXXX, a {$730.00} payment on the XXXX of XXXX and the XXXX of XXXX, and a {$1000.00} payment on the XXXX of XXXX. ACA is now saying they can't find the {$2000.00} from XX/XX/XXXX and {$730.00} from XX/XX/XXXX even after sending in my bank statements for these 2 months. They refuse to fix the issue they have caused and the refuse to actually do their jobs. I have had issues with this company taking money from me for 2 years, not reporting it to the credit bureaus, and now not even showing the car as an active account on my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
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: Information belongs to someone else

Complaint:
In XXXX of 2023 I sent all 3 credit bureaus as well as these creditors XXXX, XXXX XXXX, XXXX, AND XXXX XXXX XXXX . THE COMPANIES ARE REPORTING FALSE INFORMATION AND ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME. I ALSO SENT ALL 3 BUREAUS A LETTER IN REAGARDS TO FRAUD ADDRESSES, NAMES, AND EMPLOYMENT THAT ARE NOT MINE AND STILLIT SHOWS REPORTING. THIS IS CAUSING ALL 3 CREDIT BUREAUS TO REPORT FALSE INFORMATION THAT DOES NOT BELONG TO ME. I SENT THESE COMPANIES A LETTER, A COPY OF MY I.D, SS CARD, FTC REPORT, AND A LETTER STATING THAT THE ITEMS NEED TO BE BLOCKED AND REMOVED AND FOR THEM TO SEND ME THE STEPS ON HOW THEY CONFIRMED THAT THESE ACCOUNTS WERE MINE. THEY DID NOT DO SO ALL THEY SAID WAS IT WAS VERIFIED BUT DID NOT PROVE TO ME HOW. SO BY LAW PER 15 USC 1681B " the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 1681m ( a ) ( 3 ) '' THESE ITEMS MUST BE REMOVED IMMEDIETLY. I AM THE CONSUMER AND I KNOW MY RIGHTS. THEY ARE BREAKING 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 non-monetary relief
Consumer complaint received 2022-12-15
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:
In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-10-29
Company: Capio Partners, LLC
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
HELLO MY NAME IS XXXX XXXX AND IVE BEEN ATTEMPTING TO TRY AND RESOLVE THIS MATTER WITH CAPIO PARTNERS. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-29
Company: ERC
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
HELLO MY NAME IS XXXX XXXX AND IVE BEEN ATTEMPTING TO TRY AND RESOLVE THIS MATTER WITH ENHANCED RECOVERY. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
This account has been previously Deleted and has appeared again, I have Cfpb documents from the past year that shows the details of this dispute in which the company said that it is deleting this item only to put it back on my report a year later, this is a violation of the FCRA and FDCPA 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 2023-11-14
Company: Southern Management Systems Inc.
State: FL
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Dear Sir/Madam, I am writing to dispute the amount of debt ( XXXX ) that southern management system is currently attempting to collect from me. After reviewing the information provided by your agency, I have discovered that the amount being claimed is inaccurate and does not align with my records. 

Upon receiving your collection notice, I immediately began to investigate the debt in question. After thorough review, I have confirmed that the amount being pursued by your agency does not match the original debt that I owe ( XXXX ). I have kept detailed records of all my financial transactions, and I can assure you that the amount being claimed is incorrect. 

I am requesting that your agency provide a breakdown of the debt, clearly outlining how the amount has been calculated. It is important for me to understand how the total has been determined in order to address this matter accurately. I would also appreciate any documentation or evidence that supports the debt amount being pursued. 

In addition, I would like to bring to your attention that I have not received any prior communication regarding this debt. It is important for me to understand the origin of this debt and any prior attempts to contact me regarding it. I believe that as a consumer, I have the right to be informed about any debt and to receive proper documentation before being pursued for payment. 

I would like to emphasize that I am not disputing the existence of the original debt, but rather the amount that is currently being claimed by your agency. I am committed to addressing my financial obligations, but it is crucial that the correct and accurate amount is established before any further action is taken. 

I am kindly requesting that your agency cease all collection activities until the accuracy of the debt amount has been verified and provided to me in writing. I believe that this is a reasonable request and falls within my rights as a consumer under the Fair Debt Collection Practices Act. 

I am prepared to cooperate fully to resolve this matter, but I must insist on having the proper information and documentation regarding the debt in question. I hope to resolve this issue amicably and promptly, and I trust that your agency will work with me in good faith to reach a fair and accurate resolution. 

I look forward to your prompt response and resolution to this matter. Please address all correspondence regarding this dispute to the address listed below. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, 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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and i did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXXXXXX Account # XXXX Account : XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation