BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Recently I reviewed one of my credit reports and noticethere were some inaccurate, outdated, and fraudulent information that will need to be removed. Some accounts that are being reported does not have account numbers, which can indicate fraud. I am a victim of identity theft and several of the items on my credit report is not mine. I have also notice items that have been illegally re-aged. According to theprovisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed itemsmust be investigated or deleted from my credit record within 30 days. - XXXX and 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 non-monetary relief
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
im victim of identity theft. the information below, which appears on my credit report does not related to any transaction that i have made this is the result of identity theft. 
please block this inf from 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 2022-01-12
Company: OneMain Finance Corporation
State: HI
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 not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on ONEMAIN. Per FCRA, reporting must be 100 % accurate or the information must be deleted. If this type of information can not be equipped, make sure to erase the item in question immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: Experian Information Solutions Inc.
State: NV
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 dont recognized and Account from XXXX XXXX XXXX that been reported to my credit report. 
Also I was informed that at the beginning of the contract XXXX XXXX XXXX has a wrong social security and they updated later once I tried to contact them about the unrecognized account. 
I sent a XXXX XXXX letter to XXXX XXXX XXXX and they failed to respond.

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 2022-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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 account was fraudulently opened by an ex of mine while we were living together on the verse of our lease ending and a break-up. I am not the owner of this account and will be taking legal action against the company, the dealership, as well as the individual involved, purposely negatively and maliciously affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting 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 assistance in getting some fraudulently obtained material from my credit file deleted but there are still things that I haven't had removed or banned. As mandated by FCRA section 605, you must remove any records that appear on an ID THEFT REPORT. I am proactively including this report again because I proactively remembered it from a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your repeated disobedience. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-03
Company: Upstart Holdings, Inc.
State: CA
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: Problem with personal statement of dispute

Complaint:
I opened a {$6400.00} loan with Upstart in XX/XX/XXXX. All monthly payments ( {$190.00} ) were timely for the life of the loan. In XX/XX/XXXX, I sent a check for a payoff that their site gave me. They posted it on XX/XX/XXXX. I found out months later that I owed {$28.00} and they reported me., I have not received any emailed statements or mailed statements from Upstart. After I found out about this extra amount owed, Upstart stated that they added my monthly payment separately from the payoff! This is deceitful- a payoff should include any payment and interest so it is then closed. They said they emailed me and called me about the {$28.00}, however, according to what their site gave me in reference to a payoff, I paid off the loan!! I did not take any phone calls from unknown numbers and there NO voicemails left for me otherwise I would have played them. They did send emails but they also sent MULTIPLE marketing emails for new business, i mean multiple, which I Ignored. I did see some payment reminder emails which I got every month. However it did not say I owed {$28.00}, it said I owed {$190.00} for my regular payment. I did not! I assumed my loan was paid off. These emails were automatic so this is very deceiving to me. They even included the current date for the {$190.00} after I paid the loan off and again this is wrong. Once I finally received a collection letter in the mail, I was furious! My credit it now ruined for {$28.00}! I contacted them many times and they said by law they have to report anything late. Ok so they did. They also have the right to take that negative mark off of my report if they choose to. They did not. They absolutely refused to help a good client. I am in the finance industry and we try to assist good customers because sometimes things dont always go as planned. My point is, regardless of their said phone calls and emails- would I really purposely destroy my credit for {$28.00}??? No! I had an perfect record with them paying {$190.00} monthly and its disgusting that they will not consider that. For {$28.00}?? Thats pocket money. I did not do this willfully. Why would I? I think a good business could sometimes forgo the red tape and assist a good client. I also dont appreciate the deceptive payment emails, lack of statements and lack of voicemails. I am requesting that Upstart will remove this derogatory mark off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I have disputed this BK OF AMER and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. This account have been closed however, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file. BK OF AMER XXXX Date Opened : XX/XX/2017 Balance : {$1500.00}

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 2023-12-08
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting 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 sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

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 2023-12-08
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Amount {$1100.00} Date Unknown Hi, I have tried countless times to dispute the issue with XXXX and Resurgent every time I call and provide my information they tell me that they can't help me because the social security number they have does not match my account however they continue to report this account on my credit report. They even told me that the social security does not match it has my name and therefore I am responsible for the account XXXX XXXX XXXX RE : Validation Requested RE : Account # XXXX To whom it may Concern, I dispute your claim and I am requesting validation from you under the fair Debt Collection practice ACT 15 USC 1692g SEC 809 ( 8 ) FDCPA. Provide a breakdown of fees including how you calculated what you claim I owe. Please provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. Cease any credit bureau reporting until the debt has been validated by me as required under the FCRA. Send me proof that you are licensed to collect a debt in my State. Please send this information to my address and accept this letter as my formal debt validation request which I am allowed under the FDCPA. I will await your reply with the above requested proof Upon receiving it, I will correspond back with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681 SECTION 602 A XXXX STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 A SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

15 U.S.C 1681c. ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKER ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION. ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

15 U.S.C 1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
i had an auto loan XXXX for a XXXX XXXX XXXX XXXX XXXX. vehichle was stolen while i was out of town at a car show. shortly after the vehicle was stolen, covid hit in early XXXX so not only was i not able to work due to a national shut down for the pandemic, but the insurance company shut down as well, so they were unable to pay the balance of the loan in a timely manner. however, when they reopened, they paid off the balance of the loan but XXXX had already put the account in collections and refused to changed it.

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 2023-12-08
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Called XXXX XXXX on XX/XX/23 requesting documentation that proves I had an account with them. They were not able to provide the information. The XXXX representative stated I have to contact the collections agency. I contacted the collections agency to provide a letter with all detail information proving this account belongs to me and I have not received a letter 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 2019-07-27
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Dear CFPB, this is a final attempt to bring to your attention possible fraud and discrimination brought upon me by JPMorgan Chase Bank due to my financial practices. Attached will be an email that was contradictory to the horrendous experiences I keep on having with their costomer service regarding my debit account XXXX. They will not allow me to open an account or receive statement showing the full disclosures pertaining XXXX, XXXX XXXX XXXX  and myself. I need those statements to file my irs documents plus it is the law as I understand it that they must disclose all activities done in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX XXXX I have several inaccurate names on my credit report please remove any other variation of my name. I was going over my credit report and I noticed that there are several errors. 609 FCRA My current and only address is XXXX XXXX XXXX XXXX XXXX  XXXX. I have attached my proof of ID. I do not live at the following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX The following accounts are not mine I have never had an account with these companies I demand to see the contract, separate agreement or proof or claim affidavit for the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I attempted to make a purchase for a vehicle. To my surprise, the dealer explained that I had an identity theft fraud status. He stated I would need to get rid of some things on my report. I purchased my consumer report and saw so many inaccuracies and damages on my report according to 15 USC 1681, which is a defamation of character & causing personal injury to my me and my family. I also was affected in the XXXX Data Breach. I have then applied for an identity theft PIN code, locked my SSN, sent letters multiple times, received no response within a 30 day time frame. I also filed a complaint with FTC.

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 2020-02-03
Company: CAINE & WEINER COMPANY, INC.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
We received a letter today ( XXXX XXXX ) from a debt collector Caine & Weiner regarding an alleged ( {$1300.00} ) debt of my sister XXXX that was wrongly addressed to myself and my wife. XXXX is XXXX years old, has XXXX XXXX and is in an XXXX XXXX home called XXXX XXXX in XXXX XXXX Michigan. My wife and I who assist in helping my sister contacted Caine and Weiner as soon as we receive the letter to : 1. Dispute the validity of this debt, 2. Let them know this is XXXX medical services and should not be directed towards myself or my wife but only to XXXX. 
3. To also let them know that we are not financially responsible for XXXX care, only her patient representative. 
4. And most importantly request copies of the financial agreement and the itemized statements. 

At XXXX XXXX  we spoke to a Mr. XXXX XXXX of Caine & Weiner to  dispute their claim and request the itemized statements and financial agreements. He told us we needed to send him a copy of my signature first. I let Mr. XXXX XXXX know that thats not proper and that my request as stated in his letter does not have any conditions. Wed have 30 days to dispute this and so we wish to dispute it. He continued to press me for my signature to be sent as a technicality in order to send us the information he has. We are aware that under the fair credit reporting act there are no contingencies attached to his sending us the documentation to assist us with disputing the validity of this claim. 

His demanding this does not comply with the law properly. We went around and around in our conversation letting him know we wished for the information to be sent and he kept reiterating the fact that he needed me to first send him mysignature in order for that to be done. This conversation was recorded and would be available to anyone wanting to know the facts of the conversation. 

He also implied that since we had talked to our attorney friend that he no longer wished to deal with us and and could not send us the information but that he would send our attorney friend the information. We told him we only spoke to our attorney for advice and he is not representing us, but Mr XXXX said he wished only to talk to him anyway. 

We believe this behavior to be not only aggressive but illegal according to the law. We wish you could look into this situation and not only correct it for us but other people theyre using these tactics on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: CAINE & WEINER COMPANY, INC.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
CAINE WAINER have been reporting an overdue payment for which I have no responsibility. I have NO payments due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: CAINE & WEINER COMPANY, INC.
State: PA
Product: Credit reporting 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 kindly request that you thoroughly validate these accounts, as I wish to ensure that I am not erroneously charged for any debts that do not belong to me. In order to avoid any misunderstandings or disputes, please provide me with concrete evidence and documentation that supports the existence and amount of these alleged debts. I appreciate your prompt attention to this matter, as I am eager to resolve any discrepancies and ensure the accuracy of my credit report. 

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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
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: Investigation took more than 30 days

Complaint:
EQUIFAX is in violation of my consumer rights as of XX/XX/2022. By using dishonest deceptive and cohersive credit reporting, a new law/rule has been put in place by the CFPB that alleged medical debt tradelines {$500.00} and below and no longer reporting on consumer reports. Currently XXXX XXXX XXXX is reporting 5 medical accounts listed below. I have reached out via US Postal Mail in regard to the inaccurate reporting accounts. Per the new CFPB rules, you MUST DELETE MEDICAL DEBT BELOW {$500.00} onXXXX but failed to do so. Violations include : XXXX XXXX XXXX XXXX. 

PLEASE DELETE ALL ACOUNTS : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation