BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-14
Company: Experian Information Solutions 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:
XXXX resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX  XXXX XXXX Balance : {$710.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX  XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XXXX XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.

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 2022-04-19
Company: SCA Collections, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Upon reviewing my credit reports in XX/XX/2022, I found an account from SCA Collections that I was not familiar with. On XX/XX/2022 I contacted the agency after several failed attempts via contact messaging on their website on XX/XX/2022 and XX/XX/2022. Please note that I was only able to make contact with an agent by choosing the option of being a North Carolina resident. After calling repeatedly for weeks, I sat on hold for more than 20 minutes before being sent to a voicemail for Virginia residents in which the agency was unresponsive. On XX/XX/2022, I spoke to XXXX, who informed me that she could not provide me the information of the original debtor but that they could send me an itemized bill. I informed XXXX that I sent a debt verification letter on XX/XX/2022 to which they needed to heed my requests per the law. 

The agency failed to provide me the requested debt verification documents such as a copy of my signature with the provider of services to release my medical information. Moreover, the agency did not respond to my written correspondence and requests made via phone until XX/XX/2022. On XX/XX/2022, I received a document with no information informing me that they would be proceeding with collections activities.

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 2023-07-29
Company: Experian Information Solutions Inc.
State: OH
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: Problem with personal statement of dispute

Complaint:
I disputed this XXXX XXXX XXXX  account number XXXX on XX/XX/ The credit report of ( Credit Reporting Company ) shows these items were deleted from my credit file, Now these items have been reinserted on my credit report. In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA S 611, Procedure in case of disputed accuracy ( 15 U.S.C. 16811 ], Requirements relating to reinsertion of previously deleted material. Certification of accuracy of information. If any information is deleted from a consumer 's file pursuantto subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( a ), consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinserted date. ( I ) a statement that the disputed information has been reinserted ( 11 ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy-or completeness of the disouted information. I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action Your agency may avoid such action by immediately deleting this listing from my credit report

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 2022-01-13
Company: EQUIFAX, 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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I tried to lock/freeze my credit reports with TransUnion in XXXX of 2021. I signed up for an account on TransUnion 's website to lock my credit report. Their website advertised free locking of credit reports. During the sign up process, I was asked to provide my credit card information, which I assumed was part of TransUnion 's verification process. 

TransUnion covertly subscribed me to their paid credit monitoring service. There was no clear indication that I would be signing up for this service. I did not receive any clear notice that I would be paying a monthly fee to TransUnion. I wanted to freeze/lock my credit report, which should have been available to me for free. I did not make any use of their paid credit monitoring service features. 

I was charged XXXX by TransUnion twice, first on XXXX XX/XX/2021 and then again on XXXX XX/XX/2021 before I recognized the new charges on my credit card and called in to talk to their customer support representatives. I was able to get the service canceled on their end but could not get a refund. 

TransUnion did provide a receipt to me via email on XXXX XX/XX/2021. However, they had sent me 5 emails on that day and I missed the receipt. My contention is that their sign up process for free locking/freezing of your credit port makes you sign up for their paid credit monitoring service and there was no clear checkout page, order confirmation page or anything that would be the norm for online checkouts that would indicate such a transaction has taken place.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-28
Company: BBVA FINANCIAL CORPORATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have a Simple account, which is a partner with BBVA. They flagged my account with a false fraud hold regarding the Washington state unemployment scam because of a previous repayment i had made. Now, I have been without my paycheck that is being held within my account since the XXXX. My paycheck will be deposited tomorrow, still now word from BBVA, and Simple can not process the removal of my hold until BBVA removes it. I have bills due, and am accruing fees and will lose assets. I will be seeking litigation against them if this isn't resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 appreciate your assistance in REMOVING a portion of the data in my credit file that resulted from FRAUD, but I still have items that should be removed or blocked. According to FCRA section 605, you must destroy any records found on an ID THEFT REPORT. I remembered this report for a previous letter and am including it again. I've informed my lawyer of my intentions, and they are eager to hold you accountable for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AZ XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/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 2022-04-20
Company: CITIBANK, N.A.
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: Investigation took more than 30 days

Complaint:
I have filled a dispute in regards to incorrect items on my credit report.It has been well over 30 days and i have not received any investigation results.

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 2022-12-14
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$290.00} ; XXXX XXXX XXXX Balance : {$660.00}

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 2021-12-09
Company: ENCORE CAPITAL GROUP 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: Investigation took more than 30 days

Complaint:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14
Company: Experian Information Solutions Inc.
State: WA
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 sent a letter to Experian on XX/XX/, to correct the personal information reporting on my credit report. I included the correct information as well as a copy of my driver 's license, social security card, and bank statement, all showing my correct information. I did not receive a response from Experian. I followed up on XX/XX/, adding some accounts that I believed to be reporting incorrect information. I received an e-mail from Experian on or around XX/XX/XXXX stating that they do not believe the letters came from me and they will not process my request ( s ). I have been doing research on how to submit disputes to the credit bureaus, and I followed all the procedures as required. There is no valid reason for Experian to reject my request ( s ) because I gave them proof of my identity. I am including copies of the letters I sent them with this complaint.

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 2022-04-20
Company: Bridgecrest Acceptance Corporation
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Date of transaction XX/XX/2021. 
Account : Persons on Contract XXXX XXXX Purchaser, XXXX XXXX XXXX XXXX dba XXXX  seller/alleged creditor, BRIDGECREST CREDIT COMPANY , LLC servicer Type of Account : Investment XXXX XXXX XXXX XXXX dba XXXX XXXX XXXX, XXXX contracted and conspired in a fraudulent loan with XXXX XXXX the consumer XXXX 
XXXX XXXX, consumer, allege to be the actual lender from XXXX credit card use in the transaction. 
XXXX XXXX XXXX XXXX XXXX XXXX  violated Truth In Lending Act Regulation Z. Agents notified failed XXXX XXXX rescinded the contract and is due remedy. Bridgecrest continues to attempt/collect payment for a voided contract and attempted to steal XXXX XXXX XXXX XXXX that is legally XXXX 's XXXX 

Contacted the following : XXXX XXXX Bridgecrest XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Corporate Counsel for the XXXX firms XXXX, XXXX Dealership where vehicle was sold from in Georgia XXXX, XXXX headquarters in XXXX Arizona BRIDGECREST CREDIT COMPANY , LLC XXXX in XXXX, Arizona

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 2023-07-29
Company: Experian Information Solutions Inc.
State: LA
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.

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 inructions 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 explanation
Consumer complaint received 2022-12-28
Company: VW Credit
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I logged into MyAudi.com and provided the necessary information to connect with Audi Financial Services for online billing & payment services. I received an email confirmation that this process was successfully completed and my billing statement would now be only available online. However, when I log into MyAudi.com I continue to get a message that my account is not linked to Audi Financial Services ( AFS ). After several attempts, I realized that there's no online site for AFS, even tho I received multiple confirmation letters stating that my Audi account was successfully linked to AFS. When I call AFS, the rep acknowledged that the website " ... is not the best. '' Hearing this, I requested that my billing statements be returned to paper and mailed to me. The rep said he couldn't change the setting, so I requested a manager. The manager told me it would take XXXX days for their back office to make the change to paper billing. I now want to just pay off the car loan early and be done with Audi, but I can't seem to get a pay off statement from AFS. When I called AFS the automated system just gives pay off balance which is more than the amount owing on my last billing statement. I need an explanation why AFS is charging more to pay off the car loan than my last statement. Also want to know why a online billing system is advertised that doesn't exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. 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 XXXX 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, 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 explanation
Consumer complaint received 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-04-20
Company: EQUIFAX, INC.
State: OH
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:
15 usc 1681 section 602 B states that I have the right for privacy 15 usc 1681 section 2 I also state the consumer agency can not furnish your account without my written um instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
TransUnion is fraudulently still showing I owe to XXXX  XXXX XXXX credit card. it was all paid. Balance is zero.

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 2023-06-22
Company: EQUIFAX, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief