BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-30
Company: AMERICAN HONDA FINANCE CORP
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
American Honda Finance they are reporting inaccurate information to the credit bureaus and I want them to correct it. Last activity was XX/XX/2019 but they were reporting me past due thru XX/XX/2019. This is a joint account with my wife. We are in the process of closing on a home and because of this our credit score is being affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Company: Risecredit, LLC
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
My husband lost his job. He was told to go home from the Social Security worker he talked to and they filed for his XXXX. He was denied. He is currently on SS retirement but when his XXXX was denied, he was told to re-file. This has severely cut into our income and I am unable to currently make the payments to Rise that they demand. I have tried talking to several representatives but no one can seem to help me. I have done a couple of deferrals and of all things, they have added so much interest back to the loan at this point, I do not know how I will ever pay it off. I thought maybe I could do an early payoff using my tax refund, but I can not even get close to paying it off now because of the added interest. If this is an installment loan, and I pay it off before the maturity, I should be not have to pay the total interest on the loan. I am trying to figure this out but they are going to affect my credit and make it impossible to pay them. I am willing to pay them a reduced amount every month, but no one will even discuss this with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 USC 1681 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

15 U.S.C 1681C ( 2 ) ( 5 ) Sections states. No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items 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 to any consumer reporting agency if the person knows or has reasonable 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 non-monetary relief
Consumer complaint received 2021-05-22
Company: RentDebt Automated Collections, LLC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
My name is XXXX XXXX I have received a mail from a Company that called : RentDebt Automated collections that located in XXXX XXXX XXXX XXXX, TN XXXX. 
The company have have asking me to pay off amount of {$1700.00} XXXX for a statement date XX/XX/XXXX that they've thought I owe to the listed creditor. 
The debt collector company have disrespectfully had a several attempt to contact me by phone in an unreasonable hrs from an unknown numbers. 
This debt collector company is deliberately searching for my personal information and data such as SSN, Bank account, credit cards number, addresses and contacts etc. 
I HEREBY DECLARE THAT I HAVE LEFT THE STATE OF FLORIDA AND CREDITOR 'S PROPERTY WHO THEY HAVE TRYING TO COLLECT DEBT FOR. AT THE DATE XX/XX/XXXX AND ARRIVED IN XXXX, SC AT THIS DATE! I HAVE A COPY OF THE LAST RECEIPT OF THE FULL PAYMENT THAT I HAVE MADE FOR XX/XX/XXXX BEFORE I LEAVE THE PROPERTY BY THE END OF THE MONTH XX/XX/XXXX. ALSO I DO NOT HAVE ANY AGREEMENT WITH THE DEBT AND I HAVEN'T GIVE ANY PERMEATION TO THE DEBT COLLECTION TO HAVE MY NON PUBLIC INFORMATION. 
THIS LETTER CONTAINS : 1. Copy of the mail that collectors have sent to me. 
2. Copy of the receipt that proofs the full paid amount rent for the last month XX/XX/XXXX before leaving the property 3. Copy of my auto insurance policy issue date that proofs I am in the state of South Carolina. 
I've submitted this letter as a complaint to CFPB and humbly asking for a protection against RentDebt Automated Collection who are in process of impacting my life, I also need a protection on my personal data that been breached by XXXX XXXX  XXXX, such as SSN, Bank, Credit Cards etc. In order to cause a potential problems, also I need a protection on my personal information from being forwarded or sold to any other company by RentDebt Collector. 
I understand that personal privacy, data and information of any individual who are living on the land of XXXX XXXX of America are a human rights matter, I understand that I am under such protection against any corporation/ organization who have trying to cause threats, fear, stress or potentially a negative impact to resident of XXXX XXXX or practice any bias algorithm or cause lose of confidentiality. 

Sincerely XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Experian Information Solutions 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:
This is a violation under 15 US Code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies as they did not provide me with a written notice about the account before reporting it. As a result, I demand to remove the account from my credit report as I disagree with the debt they claim I owe. Additionally, they have violated my rights under 15 U.S. Code 1681b ( 2 ) Permissible purposes of consumer reports by reporting the account without my consent and misusing my social security information. Therefore, as a victim of identity theft, 15 US Code 1681c-2 mandates blocking such data without my written permission. According to 15 US Code 1681a ( 4 ), consumer reporting agencies must respect my right to privacy but clearly, my right to privacy as a consumer has been violated by you publicly reporting this information when I never gave your organization permission to report my information.

Delete this account from my credit report Immediately.

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 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, 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:
In XX/XX/2022, XXXXXXXX XXXX XXXX did a hard inquiry on my credit in error. In XXXX, XXXXXXXX XXXX XXXX sent me a letter that they were informing TransUnion it was an error and requesting it be removed. As of this complaint, the inquiry is not removed. I have attached letter from XXXXXXXX XXXX XXXX. I've contacted TransUnion several times and they are not helpful.

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 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-07
Company: National Credit Systems,Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2022, NATIONAL CREDIT SYSTEMS flagged my account as collections without any prior notification of the said debt. The original creditor did not contact me about the reported debt either. As I was not contacted prior to this action, I was not allowed to exercise my right to either dispute or agree on a payment arrangement for the said debt. I was also not given a chance to request evidence/proof of reported debt. 

I am therefore reporting the creditor and appealing for the removal of the reported debt from my credit report. 

Details of reported debt - NATIONAL CREDIT SYSTEM XXXX XXXX  XXXX XXXX, XXXX, GA XXXX ( XXXX ) XXXX Amount : {$1500.00} Original Creditor - XXXX XXXX  XXXX  Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
My Name in credit report is wrong someone is trying to get my identity

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 am trying to get approved for a mortgage. XXXX is reporting on Transunion my ex-husbands credit card. XXXX and XXXX do not have it on their report. It was supposed to be removed about a year ago, I do not have the exact date. We have both tried to get it fixed and XXXX has hung up on me and basically told me too bad. I have our divorce decree and it states I am not responsible for his debt. All I need is a letter from XXXX stating I was removed, however they wont give that to either of us. I would like this resolved sooner than later or I might end up homeless as I cant even get approved for an apartment with the score this is making me have.

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 2023-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I mailed a dispute packet to Transuion on Transunion states they did not receive my dispute until XX/XX/XXXX. I received a letter from Transunion stated they received addition information on XX/XX/XXXX regarding my dispute for XX/XX/XXXX. Unfortunately the postal service states they received my mailed dispute XX/XX/XXXX. Transunion advised me since the additional information was provided, which was nothing at all, they had until XX/XX/XXXX to finish my dispute results. This is in regards to a XXXX XXXX account. I received on several occasions XXXX XXXX validate debt by providing me with a copy of the contract and information related to the balance. I called and spoke with a representative on XX/XX/XXXX and was advised he was removing the account immediately. The next day I received a notification stating the account was going into investigation, which should have been on XX/XX/XXXX. When I called XX/XX/XXXX, the representative stated my account was going into " Maintenance, '' and that triggered something in their system. The reason was not provided. I requested a copy of the contract to initiate arbitration of this account and no response was provided. XXXX XXXX is reporting no payment history at all with Transunion. XXXX was showing a charge off on XX/XX/XXXX. XXXX XXXX was reporting this account to XXXX as a charge off on XX/XX/XXXX. I then filed a dispute with XXXX, XXXX and Transuion. The account was removed from XXXX and XXXX. Unfortunately Transunion did not remove the debt. If the debt is not removed I will file a second small claims suit XX/XX/XXXX, which is 30 days after receiving my initial debt. My first small claims suit was filed in XXXX of XXXX and Transunion settled XX/XX/XXXX for damanges. This is the second time Transunion has not removed debt with proof provided by the consumer and after the financial institution validated the debt via electronic means and not addressed the evidence provided. Please remove this account immediately.

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 2022-04-13
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XXXX, I was admitted to XXXX XXXX XXXX XXXX  for XXXX XXXX, I am a Veteran and was covered by XXXX, XXXX XXXX XXXX. There were two ( 2 ) claims that were improperly filed by XXXX XXXX XXXX : XXXX, {$1100.00} and {$1200.00} respectively, which they subsequently filed with Merchant Credit Guide Co., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had two conference calls with their manager, XXXX XXXX XXXX and included a representative from XXXX. In each instance, the representative from XXXX explained to XXXX XXXX that I was covered for the services under their policy, but that the vendor had improperly filed their claim and that if the vendor would properly resubmit their claim, it would be satisfied. XXXX XXXX said that he would follow up with the vendor and in the meantime place the dispute on hold, however subsequently my credit score on XXXX dropped by XXXX points to XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I reached out to the credit bureaus to notify them that I am a victim of identity theft. I have provided all documentation and yet nothing has been done to correct the errors on 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 explanation
Consumer complaint received 2023-04-23
Company: Experian Information Solutions Inc.
State: GA
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:
Experian has yet again allowed unauthorized activity on my report. Remarks and fraudulent information have been added to my credit report. 

These continued activities being allowed by XXXX need to stop immediately. 

The account needs to be updated to what is accurate and my score must be returned to what it was before theyve allowed this fraudulent activity. 

I just spent the last hour and a half trying to get someone on the phone to speak about this matter. 

Experian representatives, if this isnt resolved I will be seeking legal counsel and taking a public civil action against you. 

I demand this be resolved in under 30 days or I will move to the next step. The continued ignoring and immediately closing these investigations is illegal and unacceptable.

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 2018-09-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Many times delayed that is being reported on my credit report appears to be inacurate and or misleading.

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 2018-03-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/ I took about XXXX adults and XXXX kids to XXXX. I put the transactions at different times because everyone arrived at different times. One of them didnt show up so I had to get a refund. At XXXX we were riding the monorail and one of its compotents above our heads opened up and hit me in the head. Its a pretty heavy components so it left a bruise. I told the employees at the park and they took it out of service. Needless to say i was fine for the day. Me, my wife and XXXX kids ( my kids birthday ) left the park. 
I contacted XXXX but they said to dislike it and they would credit me. Do I disputed the charge with my credit card company and XXXX wrote back to chase saying service was rendered. When I spoke with XXXX XXXX from chase he said the dispute team coded it incorrectly. It shows service never rendered and it was it just wasnt as expected. He said he had to close out the disputed and that I would have to start over with the correct coding. On XX/XX/ I got a letter that said it was closed out and I called chase to redispiye the charge. They said I had to write a letter to redisputed the original disputed. I informed them that the person ( I gave them his contact information ) whom is handling the case said I had to redispute it. They said they wont do it and I was out of luck. Managers name is XXXX XXXX whom said he so f help me. I said can he contact the other person whom is also from Chase to find out the correct way for me to fix this issue. He said he will not contact his colleague and I was out of luck. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under XXXX5 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 have reached out to this company no less than three times. They have failed to provide proper validation, and continue to report the account in error. Account number is reported with symbols. Account status is not in compliance. It has not been 12 months since the original date of service. This is considered a HIPAA violation, as I gave neither party permission to share my medical records. Furthermore, this account is under {$500.00}, and there is no original creditor listed. Surprise billing act has also been violated.

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 2022-04-13
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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