BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complain again last XX/XX/2023 and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them 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 2022-08-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
This complaint is about USAA. I bank with XXXX XXXX. I pay my house insurance bill on autopay through XXXX XXXX to USAA. This is the third time that USAA has bombarded me with late notices about this bill. The bill was paid on XX/XX/22. The payment changes from XXXX to XXXX to XXXX This must stop. I do not want to be on the phone with USAA about this bill when it is being paid on time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Experian Information Solutions Inc.
State: MA
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 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 2023-02-22
Company: Experian Information Solutions 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 
XXXX XXXX XXXXXXXX

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 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On XX/XX/2022 I requested verification on some inaccurate items reporting to my credit report and have not been responded to. It's been over 45 days and it still haven't been a response. I honestly feel like I am being disregarded and ignored. Can you please get to the bottom of this?

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 2019-08-28
Company: CNG HOLDINGS INC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Please note the application for credit was applied for by the salesman. The salesman explains the terms as you will have to pay an initial amount upfront and then you will have five additional payments which will be auto drafted. He asks you a series of personal questions and puts the information in the system and then tells you the amount you have been approved for. I did not receive any type of paperwork with actual terms listed before the transaction. All I had to stand on was the words of the salesman. After the transaction you are given your receipt. 

Later after calling Tempoe , LLC is when I found out the terms were on the receipt. It still does not rectify the fact the actual terms are not received until after the transaction. **Note : the terms explained by the salesman were in the top of the receipt but in smaller print on the receipt were the terms regarding a lease. ** I argued I did not owe any additional payments and became so frustrated I told the representative, you do not have permission to withdraw any additional payments from my account. I stated consider this contract null and void. I also told her I would return the merchandise. 

When I tried to return the merchandise to XXXX they stated it was not theirs and I could not leave it with them. Therefore, I called Tempoe , LLC and asked them to come get their merchandise. I did not receive any additional communications from them but a few days ago I was contacted by a debt collector ( XXXX XXXX XXXX ). 

**The organization acted deceptively, with misleading conduct and false representations. ** Lead to believe payments made are going to the purchase of the item. Instead you find out after the fact you are leasing rather than purchasing. This violates the truth in lending act ( TILA ) know before you owe ( KBYO ). The company has become known for its inconsistent and predatory lending practices. 

Requires disclosure in the cost of credit. Must receive in writing the finance charge and APR. Would not allow return of the property. Creates a cycle of continuous debt and refinancing which is illegal in the state of Georgia.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records 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 information in my credit record that came about due to alleged fraud or extortion. 
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 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 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 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 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 non-monetary relief
Consumer complaint received 2022-04-04
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022 I sent a certified letter to this debt collection letter requesting a validation letter and a signed consent releasing my medical information to them. On XX/XX/2022 an itemized bill with treatments was returned without a consent to release medical information to them. This is violating hippa, so on XX/XX/2022 another certified letter was sent requesting removal due to hippa violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: Experian Information Solutions Inc.
State: MA
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:
XXXX & Experian is reporting inaccurate Information from XXXX, XXXX XXXX. This company is not registered or licensed to collect debt in the amount of {$2700.00} in my state of Massachusetts.

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 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The company listing below unlawfully disclosed private, personal, confidential information to Consumer Reporting Agency. violate the FCRA privacy Company : XXXX XXXX XXXX Account XXXX XXXX Reporting date : XX/XX/2019 violated the XXXX U.S.C 1681 share my personal information without my consent An agency official who improperly discloses records with individually identifiable information or who maintains records without proper notice, is guilty of a misdemeanor and subject to a fine of up to {$5000.00}, if the official acts willfully.

" Any person who knowingly and willfully requests or obtains any record concerning an individual from an agency under false pretenses shall be guilty of a misdemeanor and fined not more than {$5000.00}. 5 U.S.C. 552a ( i )
( 3 ).

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 2023-06-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX Balance : 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 2022-01-08
Company: LoanCare, LLC
State: RI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
BACK IN XXXX OF 2021 I SUBMITTED A CONDITIONAL ACCEPTANCE FOR VALUE AND COUNTER-OFFER/CLAIM FOR PROOF OF CLAIM and TENDER OF PAYMENT OFFERING, TO THE LOAN SERVICING COMPANY WHO WAS HANDLING THE ALLEGED DEBT. THIS WAS DONE VIA CERTIFIED MAIL. NO RESPONSE. REPEATED THE PROCESS WITH THE LOAN SERVICER AND AGAIN NO RESPONSE. WAS LOOKING TO HAVE THE DEBT VALIDATED. THEN IN XXXX OF 2021 THE LOAN SERVICER ASSIGNED THE ALLEGED DEBT TO ANOTHER LOAN SERVICER. ONCE I FIND OUT THIS HAPPENS. I PUT TOGETHER ANOTHER PACKET WITH DETAILED INFORMATION ADVISING HOW THE ORIGINAL LOAN SERVICER DID NOT RESPOND TO MY INQUIRY IN A TIMELY FASHION IN XXXX OF 2021 INVOKING MY RIGHTS UNDER THE FAIR DEBT COLLECTIONS PRACTICES ACT. NO RESPONSE. SENT A SECOND PACKET ADVISING THAT LOAN SERVICER RESPONDS AND THEY HAVE NOT. THIS IS THE THIRD MOVEMENT OF THE ALLEGED DEBT. IM LOOKING FOR VALIDATION OF THE DEBT POINT BY POINT UNDER PENALTY OF PERJURY. THEY HAVE NOT RESPONDED TO MY INQUIRIES AND SILENCE IS ADMISSION OF GUILT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Indie Technology DBA Found
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Been a customer for almost 2 years. Had a replacement card stolen and used and haven't been able to get credited for the amount that was stolen. 

Heres the summary : XXXX  - I was notified of the requirement to get a new debit card. I didn't request it, but was told it had to be done because they were upgrading their systems. 
XX/XX/XXXX - Card was delivered. I got notifications to activate the new card. I didn't activate it because I had not retrieved it out of the mailbox yet. 
XXXX  - Card was Stolen out of my mailbox before I could retrieve it. I have XXXX XXXX footage of this. 
XX/XX/XXXX - Card was used by thief XXXX  - I disputed the transaction and requested to have the card canceled immediately via email - the only way to get in touch with Found at night. 
XX/XX/XXXX - Card was used by thief about 25 more times for a total of ~ {$3000.00} XXXX - Chatted with Found support to cancel the card. The support rep admitted that there was no way for me to cancel the card myself, because I did not go through the " activation process. '' Attached is part of the chat that shows the card wasn't activated. 
XX/XX/XXXX - Reported all fraudulent transactions. 
27 business days with no update or provisional credit applied. ( Well beyond Reg E requirement. ) XXXX - Was informed that only some fraudulent transactions would be credited, but not the other ~ {$2300.00}. I tried to speak to somebody who could help, but the support reps wouldn't allow me to speak to anybody in the Risk department about the transactions. Over the phone, the rep did confirm that debit cards are sent in the mail already activated and available for use even though all messaging indicated that it would have to be activated prior to being used. I was told I would receive a call back from a supervisor who might be able to help. 
XXXX  - Asked for more information/details; requested to speak with somebody countless times with slow/no response XXXX  - Email response from a rep indicating that I was responsible for the charges because I didn't keep account details/PIN secure, but no details about this. 
XXXX - Sent email with mention of Reg E non-compliance with XXXX copied XXXX  - No update or resolution communicated

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: Professional Recovery Management
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX2021, I sent a Notice of Validation to the Fox Collection CenterXX/XX/XXXXto validate the information they claim I owned in the amount of {$350.00}. I requested a copy of my signatures on a HIPPA form, giving Fox Collection Center permission to review/access any of my medical information. Fox Collection Center responded, XX/XX/XXXX, with a description of procedures used to determine the accuracy of the items they reported to the credit bureau, therefore, they are in direct violation of my HIPPA rights. Not only did they submit the unverified/unvalidated information to the bureaus, they submitted the same collection on my account twice to XX/XX/XXXX and XX/XX/XXXX. So, the debt appears as two separate debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Navy Federal Credit Union, refused to comply with my choices in regard out line in the deeds in foreclosure back to the mortgage company whereas, I were granted, furthermore, as outlined I choose to bi-pass bankruptcy and will be cover and protected from it penalize ... and those reoccurring calls of harassment, etc.will avoid me from wrong judgment. I'm divorce never want to get married again, independent, and self living along as the retiree of federal government worker in medical wise conditions on the job related issues, etc, citizens class of senor in area of criminalized, surrounding and outwardly area in the state of TexasXXXX XXXX additional , the all damages done were hindsight behind my back with no cooperation to gathers information for conviction i.e.persons involved what will surely refer as haters crimes, and wrongful patrices over become successful single... XXXX male..whom been XXXX for many, many years and counting .....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have new and information on this case number XXXX. American Express. On XX/XX/2022 - a letter validating an alleged debt, and ceasing communication was delivered. The Validation Letter stated a necessity to provide all information proving verification for this debt within ten days. Over a month later, this company has failed to provide the necessary documents asked for in the Validation Letter. Since the Cease and Communication letter was delivered, American Express has harassed me on numerous accounts by calling my phone at inconvenient times, and failing to comply to my demand to cease and desist. This company has not complied with my requests for verification, requests for ceasing communication and has too violated numerous other rights of my status as a consumer. Due to these facts, as well as the original fraud surrounding the basis of the alleged debt, I sent a packet with my stated list of acted through an affidavit of truth, along with all of my exhibits. This packet was delivered on XX/XX/2022. This company has 10 days to reply to my affidavit, line by line with full rebuttals of my statements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09
Company: Experian Information Solutions 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:
I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have items left that need to be removed or Block. Per FCRA section 605 you are required to remove these items listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GAXXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GAXXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX  XX/XX/XXXXXXXX XXXX  XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-07-07
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: Investigation took more than 30 days

Complaint:
I recently sent a dispute letter to XXXX, Equifax, and XXXX  on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.

Company response to consumer: Closed with explanation