BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I previously disputed this public record with TransUnion, I dont recognize this public record. Please send me PROOF FROM THE COURT OF THIS PUBLIC RECORD, I DONT AGREE WITH THE RESULTS OF YOUR INVESTIGATION. PLEASE MAIL ME PROOF OF YOUR INVESTIGATION AND VERIFICATION OF THIS RECORD FROM THE COURT, OR DELETE THIS PUBLIC RECORD. TO DATE TRANSUNION HAS FAILED TO DO SO, TRANSUNION IS IN VIOLATION OF 15 U.S. CODE 1681 s- 2 ( b ) I have provided proof from the court that TransUnion failed to investigate the following account : Account Name : XXXX BANKRUPTCY/ Docket Number : XXXX. IN FACT THE DOCKET NUMBER TRANSUNION PROVIDED IS INVALID XXXX DOES NOT EXIST.

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 2023-07-15
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:
Attached is a copy of my consumer report with displaying several inaccuracies on my consumer report that are violations of several sections of the FCRA the items are as follows High Balance : The high balance reported differs significantly. 

Account last verified inaccurate Date of Last Activity : The date of last activity is reported differently across all three credit reporting agencies Date Reported : The date reported also exhibits inconsistencies. 

Balance reported as {$6900.00} how is there a balance owed on a charged off account? As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt as gross income. The IRS clearly states charge off as income the reporting of this account is inaccurate. 

1. FCRA Section 611 ( a ) ( 1 ) ( A ) : The requirement to provide accurate and complete information to credit reporting agencies. 

2. FCRA Section 623 ( a ) ( 1 ) ( A ) : The requirement to promptly update and correct inaccurate or incomplete information. 

3. FCRA Section 623 ( a ) ( 5 ) : The requirement to maintain and follow reasonable procedures to ensure the maximum possible accuracy of consumer information. 

15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you 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 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
My XXXX XXXX XXXX was totaled in an accident in XX/XX/XXXX. 
XXXX XXXX is the bank with which I had the loan from. 
XXXX XXXX XXXX XXXX XXXX XXXX off all of the pending dues to the bank and then there was a problem with 'XXXX XXXX XXXX, which was resoled by you folks, CFPB, after I wrote to you. 
Due to family tragedy, I Lost the document from your office stating I did not owe anything to XXXX XXXX. 
Trying to refinance a vehicle a few days ago, the dealer showed me a negative document from Transunion Credit report that shows XXXX XXXX still has falsely put the claim for $ {$14000.00} on me. 
This is a clear case of fraud and illegal business practice by XXXX XXXX. 

I am requesting your office to mail me ( and email also, just in case ) the document that you had sent me earlier which shows I do not owe any money to XXXX XXXX. 

Thanks and Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
CapitalOne offers a referral program, where if you provide a referral link to a friend, and they are successfully able to open up a credit card with Capital One, the referrer is awarded { {$100.00} }. In XX/XX/2022, I referred a friend, XXXX XXXX, to open up a CapitalOne XXXX card via a personal referral link generated by CapitalOne. However, I never received the stated bonus. Last month, I tried calling CapitalOne customer service about this issue to obtain more information, but they simply told me to wait and when i called back again to get the credit added the rep claimed i did not use the link. XXXX has had access to his card for quite some time and I still have not received my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-18
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a notice that a new account has been reported on my consumer report without written permission. This adverse action has affected my ability to live in a new apartment. I never have done business with XXXX XXXX XXXX and i have never gave then written permission to post to my consumer report. I never received a notice in the mail that i could dispute this alleged debt. This account needs to be removed immediately from all consumer reporting agencies. My consumer rights have been violated by XXXX XXXX XXXX not having the authority or right to post inaccurate information to my consumer report. Reported on XX/XX/2022 2022

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 2023-11-16
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to submit a formal complaint against Equifax located in XXXX, GA. This company has consistently violated my consumer rights under the Fair Credit Reporting Act, resulting in substantial financial and emotional distress. To start, they have reported an inaccurate and unverifiable account on my credit report, and despite my requests for proof of claim as mandated by the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this matter over the past several months, Equifax has chosen to disregard my communications and legal submissions aimed at rectifying this inaccurate information on my credit report. It is disconcerting to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate with impunity. The unprofessional and negligent conduct of Equifax has caused significant harm not only to my ability to establish credit and secure favorable interest rates but also to my professional standing and personal well-being. I urgently request your assistance in putting an immediate halt to these unethical and immoral business practices, not only for my benefit but also for the countless other consumers facing similar issues. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. The items are listed below : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$610.00}, XXXX XXXX Balance : {$4800.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$1600.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00}, XXXX XXXX Balance : {$180.00}, XXXX XXXX  XXXX Balance : {$630.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XX/XX/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 2023-11-16
Company: EQUIFAX, INC.
State: MI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I woke up this morning to my credit score on Equifax being dropped by XXXX points when I clicked the notification bell to see what changed and I seen that in between XXXX all of the XXXX account balances increased and in between XXXX they took my deferments away. I called and the nelnet rep is stating that she doesnt know what went wrong. She sees my forbearance letter along with the deferments. Im writing in to get this matter resolved asap. I enrolled in my forbearance and idr in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Since XX/XX/2009 This Consumer Reporting Agency ( CRA ) has been reporting negative unverified information about my personal and private property the Registered Organization XXXX XXXX XXXX XXXX. This CRA has never received Consumer 's written consent to sell his private information/property to any third party creditors. This CRA is also guilty of Identity Theft as XXXX, XXXX never provided CRA with his name or the State of Michigan 's Registered Organization 's name of XXXX XXXX XXXX XXXX , address, phone number, social security number or birthday all the above-mentioned information was stolen by CRA and used to profit. CRA procured my private information unlawfully and without Consumer 's written permission or consent and sells it to third party creditors. I demand This CRA remove all information that was not provided to it by Consumer XXXX, XXXX the Agent of XXXX XXXX XXXX XXXX and compensate Consumer for the unlawful procurement and use of Consumer 's private information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: South Mississippi Collection Services Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
South Mississippi Collection Agency has already been asked once before not to call my work. Today XX/XX/22 XXXX called again after being asked not to. She was also asked to contact me after school which she clearly isnt doing. No voicemail is ever left for me to know who is calling. This collection agency has poor methods and is very rude. The time I did tell her not to call she hung up on me. Something needs to be done about their ridiculous use of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: IL
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:
EQUIFAX continues to report my balance with Student Loans at almost {$76000.00} stating that the US Department of Education continues to report the balance but the loan was paid off through Publix service loan forgiveness and I would like my EQUIFAX report or reflect that accordingly. Part of the problem is the wrong student loan. Servicer is listed on my report. My student loan servicer is no longer advantage. It is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Upon discovering numerous fraudulent accounts on my credit report, I immediately recognized that I had fallen victim to identity theft. I promptly contacted the local authorities and made every effort to have these fraudulent accounts removed from my credit report. Despite my persistent endeavors, all but one of the fraudulent accounts persist, inflicting considerable harm to my credit health. One such account is a credit card issued by XXXX, bearing the account number XXXX and carrying a balance of {$2100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX Received call from Kia Finance, rep XXXX XXXX, indicating I was 11 days overdue with payment of {$500.00}. I indicated not only did I not not owe any payments I was ahead of schedule on payments. I indicated to rep that XXXX statement that stated it was printed on XX/XX/XXXX did not arrive until XX/XX/XXXX. I mailed a check on XX/XX/XXXX, followed up on XX/XX/XXXX to verify if received by Kia and indicated to them untimely receipt of mail ( even though it shows it was mailed from California where I am located ). As due date was XX/XX/XXXX again checked to see if check received it was not went onto web site and payment made with confirmation number received for effective payment on XX/XX/XXXX due date. On XX/XX/XXXX an additional payment was received by Kia Finance as check dated XX/XX/XXXX was cashed, confirmed this with XXXX XXXX and XXXX. I received a statement from Kia on XX/XX/XXXX spoke to XXXX XXXX and XXXX requesting a new statement be sent as the statement dated XX/XX/XXXX only indicated one payment on XX/XX/XXXX - I confirmed on that phone call that Kia Finance had cashed check on XX/XX/XXXX and that money was received I asked for an updated statement with correct amount and was advised by rep that it would be generated in 3-5 business days. On XX/XX/XXXX additional payment sent for {$500.00} which was cashed at our bank on XX/XX/XXXX. To this date I have not received any confirmations from Kia Finance in writing that they have received. Speaking with XXXX I was told amounts were listed in suspended payments category?? and that I WOULD NEED TO TALK TO CUSTOMER ASSISTANCE TEAM. Since this was listed in my account why should I have to make any calls plus they had payments. Needless to say aggravating. I have called numerous times to KIA Finance today attempting to reach this team and have been placed on endless holds, 52 minutes, 26 minute, 35 minutes, 24 minutes, spoke with numerous!! representatives today with being sent to a different individual each time. I too have matters that I need to take care of and can not spend this endless amount of my day trying to correct a situation that isn't even my fault and THERE IS NO DEBT OWED.

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 2023-07-11
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. 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 XXXX XXXX ; XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$34000.00} ; XXXX XXXX XXXX XXXX Balance : {$580.00} ; XXXX XXXX XXXX Balance : {$6600.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 spoke with numerous TransUnion agents as well as XXXX XXXX agents from XXXX XXXX XXXX  XXXX to get these account review inquiries removed from my TransUnion credit report, and have had no success whatsoever getting cooperation from either TransUnion or XXXX XXXX  from XXXX XXXX XXXX XXXX. I am so frustrated and so tired of having to deal with these agents that are unwilling to help me and being one hundred percent unwilling to help me regarding this issue. They are fraudulent and I am a victim of identity theft. There are also XXXX sets of inquiries with the same dates on each of them. These are listed below : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX  Location XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Phone ( 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 2021-03-15
Company: Santander Consumer USA 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: Account status incorrect

Complaint:
This is a complaint regarding Chrysler Capital. 
I leased a new vehicle in XXXX, paid the first months payment at the lease signing. 
I never received a bill for the 2nd payment but when they contacted me and I sent out a payment right away. 
Again I didn't receive a bill in XXXX and then sent in a double payment to cover 2 months. They claim they didn't receive it until weeks later and then proceeded to report a delinquent amount for the entire value of the lease ( {$21000.00} ) to the credit bureau, which has severely affected my credit. 
They themselves claim they have " no control over the U.S. Mail '' but then penalize me for receiving the payment check late. And they are reported the entire lease amount as delinquent even though the according to them I was only late 1 months payment AND the account was made current a mere week later than when the show the late payment due. 
They then reported to the credit bureau 2 weeks later, while my account has been fully current. 
And to preface all this, this is my 3rd vehicle lease with Chrysler Capital, I've never had a late payment in 6+ years of leasing through them. This a predatory practice and they are ruining my credit score even though I am just trying to pay them on time according to their bills.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-15
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
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:
In accordance with the Fair Credit Reporting act, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX Has Violated My Rights.

15 U.S.C 1681 Section 602A States I have the right to Privacy, 15 U.S.C 1681 Section 604A Section 2 : It also states a Consumer Reporting Agency can not furnish an 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 explanation