BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to Bureau for them to verify and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681iwithin the time declared by law and continued reporting of unconfirmedinformation which now, given all my attempts to address it directly with theBureau, as willful negligence and non-compliance with federal statutes. Pleaseremove the following accounts completely from my Credit Reports : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX XXXX : - XXXX XXXX XXXX XXXX  : Chapter XXXX bankruptcydischarged Reference # 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 2023-02-26
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 have several fraudulent accounts and addresses with 14 fraudulent inquiries. I will attach the FTC report with police report and photo of fraudulent inquiries. Listed below are fraudulent accounts. 
( XXXX XXXX XXXX XXXXXXXX - {$1000.00} ) ( XXXX XXXXXXXX XXXX XXXX XXXX - {$380.00} ) ( XXXX, XXXX / XXXX - {$480.00} ) ( XXXX XXXX XXXX XXXX XXXX XXXX  - {$7300.00} ) Closed fraudulent accounts XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Please read identity theft report for fraudulent inquiries )

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 2021-08-24
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
America First Credit Union ( AFCU ) failed for OVER 11 WEEKS to close my account and remit funds after written notice and after they stated in writing they WOULD close the account and send funds. On XXXX XX/XX/2021 Moved from XXXX  to XXXX, Updated address on account and sent secure email asking to close it. XXXX XXXX AFCU replied, " Thank you for contacting America First! XXXX, We received your account closure notice and will complete that process, which consists of mailing to the address we have on file a cashier 's check made payable you in the amount of your combined funds ... '' On XXXX XXXX Account was STILL not closed. I used secure chat to ask what happened. They said I needed to call by phone. First phone call was disconnected when I asked for agent ( instead of automated access ). Second call required 17 minutes with an agent and supposedly now they will actually close the account.

Request CFPB reiterate top America First Credit Union their obligation to close accounts and remit funds promptly. Request America First Credit Union Formally adjust their poor procedures so that they ACTUALLY close accounts when requested in writing and when they already agreed in writing to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: EQUIFAX, INC.
State: MA
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 very thankful for your help to REMOVED the erroneous information in my credit file that came about because of a FRAUD yet there are some items that passed on that should be taken out. Per FCRA segment XXXX you are expected to delete any records recorded. I've proactively remembered this report for a past letter and I am including it once more.I 've been contacted my lawyer regarding this matter.. The following items needs to be removed : XXXX XXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$4500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 non-monetary relief
Consumer complaint received 2022-05-20
Company: Lien Enforcement Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of XXXX I sold my XXXX XXXX XXXX to my dad. I sent in the release of liability to the DMV but then a couple of months later I was informed by a towing company called XXXX XXXX that I owed a {$2000.00} debt on the storage and towing of said vehicle. I explained to them the vehicle was not mine, and that the release of liability is on record at the DMV and they told me I would not be responsible if that is the case. 

A couple of months later I received a letter from a debt collector called Lien Enforcement , Inc stating that I owe them the debt plus interest. I sent them the release of liability twice. Once by mail in XX/XX/XXXX and then again on XX/XX/XXXX via an email to the email I was given by Lien Enforcement , Inc. 

I waited 5 days for a response, when I did not receive one, I called Lien Enforcement , Inc. on XX/XX/XXXX to check if they had received the documents I emailed to them, which showed that I was not the owner of the vehicle at the time of tow. Lien Enforcement , Inc. stated that they will continue their efforts to collect the debt from me because the smog was not submitted on the vehicle before it was towed. The gentleman I was speaking to on XX/XX/XXXX who works for Lien Enforcement , Inc. stated that if I don't make a payment, I therefore do not care about my credit score. 

According to the NRL forms I received from the DMV, the XXXX XXXX XXXX has been sold twice since their first contact with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: EQUIFAX, 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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$2200.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$240.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$7300.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$630.00} ; XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX Balance Owed : {$660.00} ; XXXX XXXXXXXX Balance Owed : {$710.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$710.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$570.00} ; XXXX XXXX Balance Owed : {$120.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
An accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX and # 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 ( b ) section 604 section 2 a consumer reporting agency can not furnish a report without my written consent. ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2023-05-20
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 first 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-11-22
Company: Kwikcash, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I received a loan through this lender and eventually could no longer afford to pay the amount I was paying because of my income drop. I tried to go through a third party for debt consolidation and was told that the lender would not accept my monthly payments I could make because it was lower than what they wanted which was about $ XXXX. The lender than filed the claim to sue me in court in their County XXXX XXXX XXXX ) which is not the County I reside in, making it impossible to attend court. I was never properly served by Kwikcash. I then received a letter in the mail from my employer for a wage garnishment in XXXX XXXX. I tried to attempt to request a lower payment in the beginning of XXXX with Kwikcash by calling and was supposed to get a call back and never heard from anyone so I filed a Claim of exemption since I have to support myself and two children under age XXXX and the judge in the County of the lender 's denied my claim. I was sent instructions by my employer that I would receive a letter in the mail on the date of the court hearing in regards to my Claim of Exemption but was never sent a letter. The only letter I received was a letter that the judge denied my request. I was not given a chance to even try to arrange to attend the hearing and submit financial proof that I can not afford this wage garnishment and am falling behind because of it. It is unfair that I was not properly served, I never received a letter in the mail regarding the hearing to attend court to prove my case, and I am unable to have this wage garnishment stopped especially with two XXXX children who require my support.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX  XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

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 2023-05-20
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I currently have a XXXX XXXX card serviced by XXXX XXXX. I've had this card since XXXX and I do not use it very often. Early on when I enrolled with the XXXX XXXX, I set up an auto pay, just like I have done with my XXXX card, and every other credit card I've ever owned. 

After a period of about a year of not using the card, my wife applied a {$15.00} charge in XXXX of XXXX that I was not aware of. On XX/XX/XXXX of XXXX, while checking my credit report I noticed my score had dropped XXXX points. Further investigation revealed I was past due on my XXXX XXXX account. I checked emails, spam folder, and regular mail, I had received no notification that I had a balance or late fee. No statement, no past due notice, nothing. 

On XX/XX/XXXX, I called and spoke with a customer service rep named XXXX, who helped me pay off the card and reverse the late fee. I explained my situation and she stated XXXX performed a system update in XXXX of XXXX and many customers lost their autopay enrollment. For customers who use their card frequently, they likely caught this as soon as it happened. As infrequently as I use it, I did not. XXXX stated she would submit a request to reverse bad mark on my credit report. 

On XX/XX/XXXX and XXXX I received the same notice ( dated the XXXX ) stated XXXX would not reverse the mark on my credit reports, as it is accurate, my payment was late. That is correct, my payment was late, but that is not what I was disputing. My dispute is that XXXX 's payment system had a failure, which customers were not notified of, that resulted in a late payment. 

On XX/XX/XXXX I called back to XXXX and spoke with another customer service rep. Unfortunately I have misplaced my notes and do not have a name. However, this rep also confirmed what XXXX had said, and also stated that there was a system upgrade in XXXX resulting in issues with customer auto-payments. This representative stated they would submit a request to reverse the late payment report to the credit bureaus. 

On XX/XX/XXXX, I received another notice denying my request. 

Several months passed before I was able to circle back around to this issue, I had not used the card during this time period. I sent a personal letter ( attached ) further explaining the circumstance, in hopes it was misunderstood when the customer service reps submitted the last two requests. On XX/XX/XXXX I received another generic denial letter. 

I opened my first credit card account when I was XXXX and have never once had a missed payment reported to the three credit bureaus until this incident. This is the only missed payment on my nearly 18 year record, and it was due to a system failure at multiple levels, NOT because of negligence on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: EQUIFAX, 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:
Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to Bureau for them to verify and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681iwithin the time declared by law and continued reporting of unconfirmedinformation which now, given all my attempts to address it directly with theBureau, as willful negligence and non-compliance with federal statutes. Pleaseremove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX 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 2022-12-06
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:
I want to report some hard inquiries that are not mind the frog I called the credit bureaus and they told me that I needed to get a report done and so Im doing that right now XXXX is the first one XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX phone and inquiry happen XX/XX/XXXX Connection cord is XXXX XXXX  XXXX XXXX in XXXX XXXX XXXX, XXXX XXXX FL XXXX no phone number available inquiry was XX/XX/XXXX The next one is a XXXX Inquiry is XXXX the address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone number is XXXX XXXX not sure if I previously reported these so Im gon na letting you know ahead of time XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone number XXXX this inquiry was on XX/XX/XXXX Next one is XXXX XXXX XXXX  address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NV XXXX telephone XXXX XXXX next one is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX Texas XXXX one phone number XXXX XXXX XX/XX/XXXX The next one is the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX number XXXX inquiry XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25
Company: Central States Recovery, Inc.
State: KS
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
Never got a bill for this, I did get some automated call that a bill went to collection agency. I called XXXX XXXX XXXX XXXX and they said we should of not been billed. 

I spoke to XXXX at XXXX at XXXX - XXXX called XXXX and told them they could not be charging me for this. 

XXXX XXXX used Central States Recovery, Inc. to collect.

Company response to consumer: Closed
Consumer complaint received 2019-03-29
Company: EQUIFAX, INC.
State: DE
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 was in an auto accident that required medical treatment : PA Law e Pennsylvania Motor Vehicle Financial Responsibility Law, 75PA C.S. l797 ( b ) ( 7 ). is to protect the US consumer that these companies refuse to adhere to Pa law so they are breaking the Law and refuse to update, correct or even have the correct amount of debt listen, seems they inflate the amounts and refuse to correct.

Company response to consumer: Closed with explanation