BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-01
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:
I recently reviewed my credit profile and notice inaccuracies and/or incomplete information and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, information that is inaccurate, or which can not be verified.

As I am POSITIVE you are aware as a injured consumer. UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to as for any and all of the above and below DEMANDS UNDER the terms of the Fair Credit billing Act of 1975 ( FCBA ).

As the Official notice of my right composed DECLARATION of not proven Complaint main information that is either or all of the following. YOU MUST ANNUL BY REMOVAL of any DEROGATORY and or ADVERSE AND YET unproven claims be it an account or an aspect of that account PLEASE as you MUST, delete the foul mis-reporting and display any and all of my accounts as being PAID/PAYS as agreed, NEVER LATE AND AS NOTHING ELSE ; XXXX XXXX XXXX XXXXXXXX account is showing 30, and 60 days late, also shows account is being reported as negative by credit reporting agency. 

NOTATION : PER CRSA enacted, CDIA Implemented laws, any and all reporting must be deleted if not proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully XXXX XXXX complaint. 

Provider claims Late Payment yet has not proven even the compliance of its reporting much less any aspect of determined truth of facts else wise required by obligatory regulations. As such, I demand evidence of XXXX XXXX compliant reporting, true and accurate and complete reporting of what is likely an allegation unfounded as it is DEFICIENT of adequate current status in fullness of, TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( XXXX ) by retaining or returning to demonstrated TRUE, CORRECT, COMPLETE, and COMPLIANT XXXX  XXXX XXXX field formatted reporting! PLEASE ERADICATE any and all derogatory aspects of reporting and at a minimum rectify the derelict reporting with the adequate statement of PAID/PAYS AS AGREED, NEVER LATE. 

Unless you can document this not to be correct and determine factually and in entirety that every aspect of current reporting is lawfully compliant, you MUST satisfy my demands! 

Sincerely 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 non-monetary relief
Consumer complaint received 2022-11-07
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
On XX/XX/XXXX I XXXX XXXX XXXX Navient ( XXXX of my student loan servicers ) to obtain their phone number so I could call and conduct some business. After getting what appeared to be a legitimate phone number for Navient, I called and a woman/representative answered ; she seemed legitimate, and the name given was " XXXX XXXX XXXX '' from XXXXXXXX XXXX  XXXX XXXX She had knowledge of my XXXX XXXX XXXX and was asking if I needed to consolidate the XXXX loans into XXXX, and to make lower payments. The representative said she could consolidate the loans and lower my monthly payment for a XXXX time enrollment fee of {$590.00}. I told her I couldn't pay today ( XX/XX/XXXX ), but that I could pay in a week ( XX/XX/XXXX ). I proceeded to give her my debit card information, last XXXX digits of my social security number, parents name/number. 
Fast forward to today, XX/XX/XXXX and I just received a text message from XXXX XXXX XXXX XXXX saying the {$590.00} XXXX agreed to pay is going to " drafted '' from account on XX/XX/XXXX. It includes another bogus telephone contact number. 

Please help. 
Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Date of Inquiry 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 2023-08-17
Company: CREDIT ACCEPTANCE CORPORATION
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:
My car was repossessed in XX/XX/2023 and I paid them off in XX/XX/2023 to the tune of {$5000.00}. I have had to call them over XXXX times regarding the release of my vehicle. As of XX/XX/2023, They still can not seem to get the release to the correct company that is holding my car. They have lied about everything from the beginning including that I had to take their service contract for {$2400.00} to get the loan. They have lied repeatedly to me regarding releasing my car for over XXXX months after it was paid in full. Now they are trying to add money owed for the storage of my car that they will not release. They are telling me I still owe {$150.00}!! I have not been able to work in those XXXX months and XXXX now about to be evicted. I literally can not afford to feed myself, and when I call them, its always oh, youll have to call back tomorrow. I have been called upwards of a dozen times in XXXX day by them. I literally have nightmares every night about this company and losing my vehicle and becoming homeless. 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 monetary relief
Consumer complaint received 2023-06-19
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 sent a letter on ( XX/XX/2023 ) to remove the inacurate items that is UNKNOWN to me to bureaus. I came across the law today and according to the Per FCRA you are required to update any accounts or information not later than 4 business days after the ( XX/XX/2023 ). 

XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-21
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n 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. 

Account name : XXXX Account number : XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am filing another complaintsince you failed to resolve this issue regarding my previous complaint. In your response, you said that you sent thedocuments to my address but I never got anything like a debt validation letter. I am not sure who and where you sent it to but I never got what I have been asking you, and to be clear, I am NOT REQUESTINGFOR A VERIFICATION, but DEBT VALIDATION LETTER. This time to make it easier for you. I want you to attach the debt validation letter to your response to this complaint, this way the CFPB will also see that you really are doing your part infulfilling my request. I assume that since you claim to have sent it alreadyto me, it won'tbe an issue to send a copy through CFPB. right? You only have within 7 days to complete this request, failingthat, you need to clear my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I REQUESTED CANCELLATION OF The 30-day TRIAL SUBSCRIPTION ( to an Online Graphic Design Course I had signed up for on XXXX ) MANY TIMES ( by Email, Online, and by Phone ) PRIOR TO THE EXPIRATION DATE OF THE TRIAL, XX/XX/XXXX, WHICH XXXX never ( failed or refused to confirm ) confirmed ; Subsequently, they charged my ( former ) Visa ending XXXX {$69.00} on XX/XX/XXXX, and CONTINUED TO CHARGE ME {$69.00} EACH TIME FOR ( XX/XX/XXXX, XX/XX/XXXX ) even After I filed Disputes with my Bank about the Unauthorized Charges and DESPITE MY CONTINUING COMPLAINTS to them by email and online about their Billing me in Bad Faith UNTIL I FINALLY GOT A REPLACEMENT VISA THEY COULDN'T CHARGE ( Which My Bank Should have done for me immediately after I filed my 1st Dispute on XX/XX/XXXX of the 2nd Unauthorized Charge on XX/XX/XXXX Or Even After I Filed my 2nd Dispute on XX/XX/XXXX, About the Last Unauthorized Charge on XX/XX/XXXX, ) AFTER I REQUESTED A NEW ONE WITH MY 3RD DISPUTE FILED ON XX/XX/XXXX ; ; ( Which was Actually About the 1st Unauthorized Charge to have occurred on XX/XX/XXXX, but which I hadn't discovered until I had already filed the 2nd Dispute about the 3rd charge! ) ; Furthermore, REGARDLESS OF MY BANK 'S RECENT DENIAL OF MY CLAIMS and Resulting Reversal of the Provisional Credits they had Previously Granted Me Which Was Done Without Any Notice ( s ) /Reason ( s ) for their/My Bank 's Disapproval, Thereof, I AM NOT legally, financially, or otherwise RESPONSIBLE FOR THE {$200.00} CHARGES SUBMITTED TO MY BANK IN BAD FAITH/Fraudulently/Without Authorization As Described Herein, SO I AM THEREFORE SEEKING RECOVERY of the full amount OF {$200.00} FOR AFOREMENTIONED UNAUTHORIZED CHARGES BE RETURNED TO ME personally or refunded/credited back to my Chime Checking Account ending XXXX As Soon As Possible BY EITHER OR BOTH of the Other 2 PARTIES To This Complaint WHO/WHICH ARE or Were Legally RESPONSIBLE. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
We paid this credit card in full months ago and NEVER used this account AGAIN... the card was stolen, when I noticed it missing, I reported the card stolen and made them aware of the issue and that if any charges occur they will be from theft! They replaced the card, we NEVER activated either new card! And then non stop charges started within a short time and I reported ALL the fraudulent charges! I filled out the forms 2x, written them 3x, and called fraud dept several times disputing ALL charges cause we NEVER used cards after we paid off account! We actually requested account to be closed after it was paid off! Why it wasn't we don't know! We are not paying for fraudulent charges on this account and want it removed from the credit report immediately! This is XXXX XXXX mistake and over sight, so they need to correct their mistake!!!

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 2023-08-17
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of this account. I believe my identity has been stolen and information has been used to obtain a loan with XXXX XXXX. Company name : XXXX XXXX Amount : {$750.00} Date : XX/XX/2021 Account # : XXXX Reference # : XXXX I reached out to XXXX XXXX and they gave me the information to a third-party debt collector. I obtained all information from National Credit Adjusters ( NCA ) about the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: SCA Collections, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Contacted SCA collections on XX/XX/2021 by certified mail requesting debt validation. 

Sent second request by certified mail on XX/XX/2021 XXXX request was sent on XX/XX/2021 by certified mail. 

Company failed to properly valid debt within 30 days and is in violation of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: EQUIFAX, 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:
This is my continued endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any items in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance {$7700.00} XXXXXXXX XXXX XXXXXXXX Balance : {$4600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$250.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Debt Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Debt Recovery Solutions ( XXXX ) XXXX has not only contacted numerous family members but has also contacted my employer. They have no legality to pursue this debt. This was handled with the original creditor XXXX 5 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KS
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My house sale closed on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX sent me the balance in my escrow account. USAA XXXX was the insurer of the house and a new policy was to take effect on XX/XX/XXXX. 
Because the house sold on XX/XX/XXXX, USAA closed the policy. They sent me this message : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- The pro-rated refund of {$550.00} has not been sent to XXXX XXXX yet. The policy cancellation was not keyed until XX/XX/XXXX, and was backdated with a cancellation date of XX/XX/XXXX. The refund to XXXX XXXX will be processed within the next two weeks. 

We value your business and the opportunity to serve all your financial needs. 

Thank you, XXXX XXXX USAA -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Why would USAA hold XXXX the {$550.00} & then send it 2 weeks later to XXXX XXXX? XXXX XXXX XX/XX/XXXX : I checked the XXXX XXXX acct -- NO {$550.00} had been received ). It makes NO sense for USAA to send the check to XXXX XXXX - I am NO Longer a customer thre & my mortgage was paid OFF.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
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:
See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
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 received a copy of my credit report and noticed that I had hard inquires that I did not apply for to be requested. The Hard Inquiries in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: EQUIFAX, 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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: EQUIFAX, INC.
State: NJ
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:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. The last letter I sent to Equifax was dated on XX/XX/2022, but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Experian Information Solutions 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 got a fraud alert yesterday XXXX XX/XX/2022 from my bank. It seems as though someone tried to open a credit card account with XXXX XXXX bank using my social security number. 
I am in the process of notifying all XXXX credit agencies ( Experian, XXXX, & XXXX ) to put a freeze on my account so that the XXXX can not be used until further notice.

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