BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-19
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX Balance : {$82000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXXXXXX Balance : {$210.00} XXXX XXXXXXXX Balance : {$140.00} XXXX  XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am writing to dispute the following information in my file. 
This account is grossly inaccurate. FIRST INVESTORS HAS BEEN PLACED ON NOTICE FOR SEVERAL TIMES FOR CONTINOUSLY PROVIDING INACCURTE ACCOUNT DATA YET HAS CONTINUED TO REPEAT VIOLATIONS AFTER LITIGATION INVESTGATION CONCLUDED & FINED. REQUEST FOR IMMEDIATE REMOVAL OF DEROGATORY INFORMATION AT ONCE. FISC LIST MULTIPLE INACCURATE PAYMENT DATES, ERRONOUS BALANCES, INFLATED INTREST & DUPLICATED FEES. FAILURE TO COMPLETE PROPER INVESTIGATION AND PROVIDE ACCURATE HISTORY OF PAYMENT RECORD WITH TIME STAMPED ENTRY OF RECEIPTS. LITGATION & COMPLAINTS PROCEEDED DEMAND FOR COMPLIANCE OF FCRA. 
This company has shamelessly shown for years the FCRA does not apply to them and should be held in contempt as they continue to take advantage of subprime customers who have had limited opportunity based on inaccurate scoring in which companies such as XXXX contribute to and prey on. 

Enclosed is a copy of the lawsuit confirming the ruling and fine of this company for knowingly providing inaccurate misleading account information. Even after being litigated against this company continues victimize customers by damaging their credit scores, implicating unjustified excessive fees and interest while creating emotional distress. I have also included their most recent dispute investigation results provided to XXXX showing discrepancies in balance, payment amount and date of which is being reported to XXXX and what is actually conveyed to the consumer. I ask that you take a stance against this company and hold them accountable to act in accordance with the law. Please delete the disputed item immediately to prevent further damage

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 2020-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I never lived at the previous address listed see letter enclosed for dispute

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 2023-05-23
Company: CORELOGIC INC
State: KY
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:
on XX/XX/2021 my credit report was released to XXXX different companies without my written consent and are reporting as a hard inquiry on my credit report. 
companies include : XXXX XXXX XXXX XXXX Credco 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 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.

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 2022-12-16
Company: Radius Global Solutions LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
NOTICE TO CEASE AND DESIST To whom this may concern, On XX/XX/2022 a form of communication in an attempt to collect an alleged debt was mailed to me. I do not know who Radius Global Solutions LLC is, I certainly did not give my personal information to you and I did not consent to you communicating with me. 

Pursuant to 15 USC 1692a ( 2 ) - The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.

You are a debt collector and you are implying that I, a consumer, owes a debt. Trying to collect on an alleged debt in the amount of {$4000.00}. That is a violation of 15 USC 1692b ( 2 ) Pursuant to 15 USC 1692c ( c ) - I am refusing to pay this alleged debt and it is my wish that you cease any further communication in connection with this alleged debt, that includes communication with anyone, especially any consumer reporting agency.

Do not report anything on my consumer report, you do not have my consent.

Pursuant to 15 USC 1692c ( c ) ( 3 ) - As the original creditor, I am invoking my specified remedy, specified remedy includes the following ; -An apology for contacting me without my permission, including a notice that your further efforts are being terminated - A check in the amount of {$2000.00} addressed to me, the consumer for violating my consumer right to privacy by contacting me without my permission and for implying that I owe a debt

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 2018-04-04
Company: CORELOGIC INC
State: CA
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:
There are 17 inquiries on my credit report that are not mine. I did not authorized any other there inquiries. I want them removed from my credit reports. See company and dates below : Credco XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/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 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Disputed XXXX XXXX and the credit bureaus each replied back with valid however per the attachment however per the XXXX the vehicle isn't in my name and is title to another person, if any uncertainty exsist or doubt than the account isn't 100 % accurate.

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 2022-04-27
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
there is collection charge for XXXX usd in account which needs to be removed since it got opened fraudulently

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 2023-02-10
Company: Genesis FS Card Services, Inc.
State: MO
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:
Wrong balance reported on my XXXX and XXXX  credit reports negatively impacted my credit scores and ability to get a better interest rate on new credit. Statement attached

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXXXXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$28000.00} XX/XX/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 non-monetary relief
Consumer complaint received 2023-10-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I see unauthorized Hard inquiry on my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-16
Company: EQUIFAX, INC.
State: OH
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:
I sent a letter on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 
Also I have attached the credit report and here I listed the tracking numbers of the letters I sent out to the credit bureaus # XXXX, # XXXX, # XXXX. 
According to the FRCA The term " investigative 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. 
They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. 
Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 
- Authentic Persona information : Full Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, OH XXXX Employer : XXXX XXXX  - Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: General Motors Financial Company, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
When I paid off my lease there were no instructions except for who to send the money to and for how much. The account was paid XX/XX/XXXX and I received a paid in full letter. I first asked via chat how to get the title on XX/XX/XXXX and was told they release the title to the billing address on file within 30 days of payoff posting. I waited until XX/XX/XXXX to follow up as it was almost 30 days and I still hadn't received anything. I didn't get any help and tried to many times during XXXX. Then I finally called and spoke to someone ( after waiting one hour on hold ) and was told I needed to send the odometer statement. Which they would have to mail to me since my account was closed online. That was the only document mentioned. Waited for that in the mail, as they could not email it and then sent it back. I followed up today, XX/XX/XXXX, and was told now I needed to submit titling instructions. Again, no mention of this step in any of the previous conversations or instructions. Now I have to wait 24-48 hours for it to be emailed. And if I want any of this expedited, as I now have 10 days to submit to the XXXX for my loan, I have to provide a XXXX number. Otherwise it will not be expedited. This is ridiculous how long it's taken! It feels like they are purposely leaving out instructions and making it extremely difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report Published as Company Info : XXXX XXXX Account Number : XXXX XXXX. Past Due- {$3700.00} XXXX. Last Payment XX/XX/XXXX XXXX. Account Verified XX/XX/XXXX I already contacted XXXX on the Account, incorrect info and received inaccurate response. 

In Accordance with the Fair Credit Report Act XXXX XXXX XXXXXXXX Credit Card account XXXX violated my rights. 

15 U.S.C. 1681 Section 602 A 1 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.

Kindly delete the account. 

Thanks 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 non-monetary relief
Consumer complaint received 2021-01-12
Company: JPMORGAN CHASE & CO.
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with cash advance

Complaint:
My husband and I opened a Home Equity loan with Chase bank. We do have a valid balance, which I have been paying on time. I have even been making additional payments each month to expedite clearing the balance. However, when I logged into my accounts on Friday, XX/XX/2021 I noticed a withdrawal of {$20000.00} against this account. This is not a valid transaction made by my husband or myself. I immediately called Chase bank and logged a fraudulent claim. The claim # is XXXX. I called back later that day to Chase to tell them my XXXX report show this occurred at XXXX XXXX XXXX XXXX LA. XXXX XXXX shows this to be basically in the middle of nowhere. They did not seem interested. Neither my husband nor myself have left Wisconsin in the past two months. Today, XX/XX/2021 I received notification that my claim is denied, simply stating that the transaction is valid and we owe the money. I have sent an email requesting the details of this transaction and proof that it was executed by myself or my husband. The response is pending. I have just learned that I should have filed a police report and logged a complaint here, as well as with the Attorney General so am taking those steps. I have also requested this account be locked so no further transactions can be made against this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: Credit Management Control, 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:
I contacted credit management stating that I never had XXXX XXXX the time they stated I was living with a relative so it was impossible.. the amounts are {$450.00} and {$280.00} in XX/XX/2019.. I moved into my own place the end of XX/XX/2019and been having XXXX XXXX ever since

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
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:
I've been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
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:
I received a letter from XXXX XXXX  stating that due to information they received from Transunion Consumer services that they had closed my account without my consent even though my account is in good standing and my credit is good. Trans union implied that i had too many charge accounts and revolving credit which is not true. I pay all my credit cards including the one i had with them on time every month. In fact my bill to them was paid in full and i never had a credit problem with them or any of my current accounts. Where does XXXX XXXX  and Transunion Consumer Relations have the right to do anything to my account without my consent or put false information on my report and try to ruin my credit and my reputation and so obviously are wrong, XXXX XXXX  is no longer providing services and now XXXX has been turned over to another bank which I found out when I called them. i want my credit card reinstated immediately and this false information taken off my report. With that i also want a letter of apology from XXXX XXXX  and Transunion as I feel that the way I was treated was totally out of line. i feel that they are discriminating against me as a single woman and also discriminating against me due to income. i am going to attach the letter I got from 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 2023-10-23
Company: Experian Information Solutions Inc.
State: TX
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:
There is an inquiry from XXXX XXXX on my credit profile with EXPERIAN that I do not recognize from XX/XX/ thats not mine. 

There are also incorrect inquiries on my credit report with XXXX that I do not recognize that arent mine on XX/XX/ at XXXX XXXX XXXXXXXX, XX/XX/ at XXXX  and XX/XX/XXXXXXXX  at XXXX XXXX XXXX 

I have contacted both bureaus of the mistakes and also filed with the Federal Trade Commission, but have not seen these erroneous inquiries removed. Please help.

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