BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-11
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: Account status incorrect

Complaint:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX {$5400.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00}

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 2018-11-05
Company: FIRST CITIZENS BANCSHARES, INC.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My original bank was taken over by First Citizens Bank based in XXXX NC. Since this was the second time my bank was taken over by another bank, I've been submitting my deposits by mail because my local branch was closed. I had several mailed in deposits work as expected. But on XX/XX/XXXX I mailed 6 personal checks and 1 business check to the same address, using the same deposit slips I had used previously, in one envelope. On XX/XX/XXXX I checked and those deposits still were not recorded in my personal or business checking account. I called to find out why and was assured they would show up soon. After I mailed the checks to their branch in XXXX, it was decided they would send them on to XXXX. That caused a delay. On XX/XX/XXXX, they sent a letter saying my 1 business check had been delayed because I used a deposit slip that didn't have their name on it. They ultimately processed it, but that was the cause of the delay. There was no communication about the 6 personal checks that were in the same envelope. I called many times, trying to get this resolved. I also communicated many times with their research department, via their website. I'll attach those conversations for your review. In one of my desperate phone calls a customer service person who refused to give me her name, assured me that if I faxed them the photocopies of the missing checks, they would process them, just as they do mobile deposits. I followed her instructions, followed up with more phone calls, and finally received a letter ( which I'll attach ), telling me this is mine to fix. I need to call each person that issued me the checks ( I don't even know these people and have no phone numbers for them ) and tell them they need to stop payment on those checks and issue new ones. First Citizens Bank have all the information they need to process these checks but refuse to do so. The letter from them was not even signed and didn't include any phone number for me to reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have acopy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being " reported correctly? Who verified these accounts? You have NOT provided me a copy ofANY original documentation ( a consumer contract with my signature on it ) as requiredunder Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT all information which can not be verified. Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful noncomplying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please correct the accounts, or inaccurate information, from my file immediately & send me the results to the address. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Late Dates XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Dates 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 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Creditor is attempting to collect on an alleged debt that has past the debt statute of libation for residents of NY which is three years. I have attempted to request validation as per USC 15 1692g and notice of expired debt was sent but this creditor refused to cooperate with any of my requests. This creditor continues to violate my rights as a consumer and needs to take responsibility for their actions.

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 2023-04-17
Company: CORELOGIC 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XX/XX/2023, CA XXXX XXXX Attention : Credco/ Corelogic Credit Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Dear Credco XXXX This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : Credco/ Corelogic Made on : XX/XX/2023 Made with : XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 
If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interes Finally, assumin you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: LJ Ross Associates
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2021 I checked my credit reports as a monitor them on a daily basis. A new collection had shown up for a company called L J Ross and Associates. It looks like this is for a XXXX XXXX account. I have a current account with XXXX XXXX. One that is in good standing. This collection agency reported it to the three major credit reporting bureaus. No notice was ever sent to me regarding who this is or what this account is for. No details were ever supplied.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I RECENTLY RECEIVED MY CURRENT CREDIT REPORT AND NOTICED SOME HARD INQUIRIES ON MY REPORT THAT I DID NOT DO, ON XX/XX/2021 I HAVE REACHED OUT TO THE BUREAUS AND HAVE NOT RECEIVED A REPLY BACK OR ANY UPDATES MADE TOWARDS 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 2020-06-19
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
.19 Loan {$10000.00} for a used vehicle, XXXX XXXX, XXXX, Navy Federal Credit Union, XXXX VA. 

I am a XXXX XXXX XXXX XXXX 1st year in the XXXX purchase my first car on the subject date from NFCU. 

NFCU approved the loan, wrote the check out to the seller for the full amount. I did not know the process at the time, NFCU did not run a title check or at least I don't think they did so this loan was not in good faith and they did not act as an agent on my behalf, they seemingly did not care this large loan was being approved for a XXXX XXXX XXXX without a driver license and no title to the vehicle. 
I was told to get the title and bring it to them in 30 days. 

When I recently went to register the vehicle there is a lien already on the vehicle per State of VA XXXX as a result, I am stuck with a {$10000.00} loan, no title and a car I can not register or use. I am getting ready to exit the XXXX, however, I have a {$10000.00} loan I am responsible for. Since I could not get the title which NFCU already knew or should have known about, they change the loan to a consumer loan and increased the interest rate which leaves me struggling to pay for a vehicle that is no use to me. 

In addition, when I tried to check on the loan process, NFCU gave me an appointment XX/XX/XXXX. 

I believe NFCU did not act in good faith nor on my behalf as a young inexperience buyer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: State Collection Service, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Today, XX/XX/2021, I received a text from XXXX that said it was from State Collection Service. They claimed to be a debt collection service and asked me to click on a link to receive information about the debt. It looks like a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: HYUNDAI CAPITAL AMERICA
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
It was agreed that when I voluntary surrendered my car over to KIA Motor Finance in excellent condition they would no longer hold me responsible for payment. I have attached the paperwork that was faxed to them on XX/XX/2017. I never received any paperwork from them concering the agreement. They are still holding an excessive amount outstanding. I did everything they asked and the XXXX XXXX never confirmed anything with me once they received the car.

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 2022-07-26
Company: Experian Information Solutions 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 forwarded a letter to the 3 Credit Bureaus dated XX/XX/2022 to erase this suspicious information. I think you have not validated this account in agreement with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. XXXX XXXX XXXX Balance : {$0.00}

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 explanation
Consumer complaint received 2021-08-13
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: Investigation took more than 30 days

Complaint:
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681a ( D ) ( 2 ) ( B ), where as my consumer report doesnt include any authorization or approval of a specific extension of credit directly or indirectly by the issuer. Therefore my character, credit worthiness and reputation are in question which goes against the law previously stated.

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 2023-07-11
Company: Halsted Financial Services, LLC.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, My name is XXXX XXXX XXXX. I kept recieving phone calls from a debt collection company named Halsted Financial Services based out of the address XXXX XXXX XXXX XXXX Il. My dad and I have close names. I am XXXX XXXX XXXX and my father is XXXX XXXX XXXX. This debt collecter kept calling so i answered to see who it was. When I answered they never explained who they where or from they just asked is XXXX therre. I told them yes because that is my name. These people then never had me verifiy who I truly was and started giving me personal information from my dad like is SSN address and birthday. Then they started to tell me the debt that was owed. I stopped them and told them they had the wrong XXXX as this was my dad that they wanted to talk to and that they broke federal law by never verifying who i was except my first name. This is wrong in so many waysand needs to be addressed asif I was a complete stranger, they would have given my dads personal information out to them as thre are thousands of XXXX in this world. I do not know how they got my phone number either as the number they called me on is a new number I have not had long. This needs to be addressed and stopped. They keep caling my number even after I told them they have the wronge XXXX. 

Halsted Financial Services XXXX XXXX XXXX XXXX, Il XXXX ( XXXX ) XXXX Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: EQUIFAX, INC.
State: NJ
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. The remaining items are listed below : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXXXXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$7700.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was under the impression that a medical bill through XXXX in the amount of {$300.00} was on an automatic payment plan and so I had not paid the bill off manually like apparently was what I had to do. I was not aware of this, and thought I had set up a payment plan where XXXX would automatically take money out monthly. This was not the case, I was meant to pay it manually each month but was not aware of this, so the bill went unpaid. XXXX then sent my bill in the above-referenced amount to a debt collecting agency called USCB , Inc . I was not notified of this by either XXXX or the debt collection agency. When I got a notice of a the past due bill, I immediately called XXXX on XX/XX/20 at around XXXX to try to figure out the issue. They stated they had sent the bill to the collections agency called USCB, Inc. in XXXX XXXX, CA. 

I called USCB immediately after on XX/XX/20 to deal with the bill and pay half of it upfront. When I called USCB, they notified me that there had already been {$12.00} ( roughly ) accrued in interest on the bill, even though they only had it for several days, according to them. I asked them how they can possibly charge people interest on a bill that the person responsible for paying it did not know it existed in a debt collection agency? I have not received a single piece of mail, not a single email, and not a single phone call that my bill had been sent to debt collectors, and now, it was already accruing interest. This is extremely shady to me. How can you collect interest on a bill that you were never notified you owed on? I had no idea this bill was sent to the debt collection agency USCB and they were now trying to demand that I pay interest on this bill I never knew existed there. 

This seems extremely illegal to me. This company should have to notify people when they have received a bill IMMEDIATELY, and take action to make the person responsible for paying the debt aware that they have the bill and that they are accruing an absurd amount of interest every day. I would like this to be looked into. How many people have gotten scammed by this company thinking they are responsible for interest on a bill they didn't know they owed on? How is this legal? I would like to start here first and would consider contacting an attorney to uncover whether this practice is legal. I am disgusted by this company 's shady practices and am lucky that I am not afraid to demand explanations but others may have no idea it is their right to dispute such a charge. I would like the CFPB to look into this company and whether the practice of not alerting people that they have their bills while accruing interest is legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent Letters out Certified over 40 days ago & have not been notified of anything. As a consumer I feel like these people are playing with me and this is serious. 


XX/XX/2020 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX, TransUnion and XXXX  thi is totatly outrageous. 

I didn't hear back so I sent a Demand to comply with investigation on XX/XX/2020. 

Today is XX/XX/2020 and I still haven't even heard back from these Companies as of yet

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 2023-11-15
Company: EQUIFAX, INC.
State: FL
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 am submitting this CFPB Complaint to follow up the inquiry dispute process. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act XXXX. Again, this action was initiated without any proof from any of the companies reporting. These inquiries are not factual since I never authorized them. The FCRA requires Credit bureaus to follow up and investigate, if possible please REMOVE the inquiries in question. I never authorized such action and this constitutes a violation of my rights to privacy. Please contact the listed inquiries and investigate such occurrence or remove immediately for non-compliance. Under the laws of the FCRA, the Credit Bureaus are required by the FCRA to follow up with the creditor. Please see the list of the Inquiries below : **EQUIFAX** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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