BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05
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 consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
USAA Federal Savings Bank is not providing adequate documentation to validate that two separate accounts belong to me. I will be uploading the considerable correspondence that has occurred regarding : ( 1 ) an auto loan -- # XXXX ; and, ( 2 ) a credit card -- # XXXX. I am requesting your assistance because when I wrote to secure the copies of the agreements for these alleged debts and a payment history to verify the amounts owed, I received agreements which either had no signature or an electronic signature. USAA Federal Savings Bank claims that the information that they are reporting to the credit bureaus is accurate and has referred me to the credit bureaus for remediation. However, as you are no doubt aware, as long as USAA insists that their information is correct, the credit bureaus will not take into account the consumers point of view. I believe the CFPB has a responsibility to advocate on behalf of consumers who are victimized by creditors who refuse to provide true validation of account responsibilities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: Experian Information Solutions Inc.
State: MD
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Relin, Goldstein & Crane, LLP
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My name is XXXX XXXX, i am the consumer as well as the only one with personal knowledge in connection with the transaction. This company named Relin, Goldstein and Crane LLP has been repeatedly contacting me acting as debt collectors and its unclear whether they even have a license to collect alleged debts. please provide your agency debt collection license number. and please show cause of your authority to contact me about these matters concerning this debt. 

This is yet another notice of dispute. i am not making any settlements until this alleged debt can be verified. until this alleged debt is verified, i refuse to pay this alleged debt. as a consumer i am entitled to receive the name and address of the original creditor, verification or a copy of a judgement for this alleged debt from the creditor. if your agency is unable to produce such documents, it is advised that your agency cease all communications immediately. 

it is advised that all verifications need to be in the form of oath or affirmation and placed under the penalty of perjury. 

RE File Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: EQUIFAX, INC.
State: MA
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 FCRA the following creditors have violated my rights. Under 15 USC 1681 sec 602 states. i have the right to privacy. 15 USC 168 sec 604a sec 2 it also states that a consumer reporting agency can not furnish information about my account without my written instructions. Additionally any amount being disputed on credit report must come off credit report 15 USC 1681 a.1.a. 

The following creditors have violated these laws, and are currently reporting these accounts incorrectly. There are also several details on my report that are in dispute, which should not exist on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In addition to the above, the following creditors are reporting balances due on my credit report while being actively in dispute. These is illegal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX I have filed several dispute letter with them, and they have not replied. I have notified them that they are subject to the doctrine of estoppel by silence, and only then did they reply. 

Not one of these creditors have provided adequate proof of the debt, yet continue to report them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: Experian Information Solutions 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. 

15 U.S.C 1681 section 602 A. 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 make 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 to any 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 explanation
Consumer complaint received 2019-06-28
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:
I received a copy of my Transunion credit report file # XXXX Date Issues XXXX and it continues to report errors. I am requesting re-investigation in to the following 3 collection accounts Transunion is reporting negatively on my report- XXXX XXXX XXXX XXXX XXXX- This account shows a original balance of {$590.00} and a past due balance of {$570.00} on report file # XXXX dated XXXX but on the report # XXXX dated XX/XX/XXXX it has the last payment date XXXX. XXXX XXXX did not own the account this account they are claiming- How can this be and I have never made a payment to this company because I have been in dispute. This is inaccurate XXXX XXXX # XXXX- This account shows a date closed of XX/XX/XXXX and a date updated XX/XX/XXXX but this account is still showing an amount due of {$310.00}. How can an account be closed with a balance? 

XXXX XXXX # XXXX - This account shows a date closed of XX/XX/XXXX if this account was closed on this date then it is beyond the 7 year legal time limit of TransUnion reporting this account- Yet the removal date on this report is showing XX/XX/XXXX this is not possible I have enclosed and uploaded a copy of my report XX/XX/XXXX for your review- I have highlighted each error I have located -I would like these accounts re-investigated and removed for the following error and inaccuracies. They should be deleted immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Experian Information Solutions Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2021-11-09
Company: Strategic Alliances, 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:
I rented a car from XXXX on XX/XX/XXXX XXXX, someone came and hit the car on on XX/XX/XXXX in XXXX XXXX XXXX There was a little damage to the driver side of the mirror. I reported the incident to XXXX, my insurance and XXXX XXXX XXXX. Since this was the fault of other driver XXXX dealt the incident with other party driver insurance. Now XXXX and collection agency is coming to me and saying i owe them money ( {$360.00} ). XXXX and collection agency is harassing me by making calls and sending letters. I made an attempt and explained to XXXX and collection agency on the situation. If there is anything they need to work with other party 's insurance and my insurance not me. I provided them the insurance information of both the parties. Please kindly look into this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: Incomm Holdings Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I am currently transitioning out of an abusive relationship so I have stayed in a couple hotels. 
The hotels I stayed placed an incidental hold on my card at the time of check in and released the hold at the time of check out. 
These are the only funds I have at this time due to my situation and XXXX is making it impossible for me to access the funds until over a month from the date of the hold. When I originally called they stated that all I would need is a Merchant Release Letter from the Hotels, which I was able to coordinate and the document was sent to the email address XXXX  provided to have funds released. Since this has happened I have had no luck accessing my funds, everytime I call they ask me the same questions what email it was sent from and the date and time they continue to tell me they have not recieved it and to call back in 24 to 48 hours. I have had the hotels resend the documents and I still have no success. No one at XXXX  can give me any more information. 
The 1st transaction was on XX/XX/2018 and they say it won't be released until XX/XX/2018 even though the hotel has sent the MRL. 
The second transaction was on XX/XX/2018 and they say it won't be avaiable until XX/XX/2018 even though the hotel has sent the MRL. 
I have explained my situation so many times to the representatives and their supervisors and I am getting nowhere. I am very fruatrated as I don't have any othet form of funds right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified. 

Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX : : Date of Inquiry : XX/XX/XXXX Company Information : XXXX  : : Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX ALL ANY OTHER 30 DAYS OLD ON 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 2022-04-05
Company: EQUIFAX, INC.
State: WA
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 consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-19
Company: HYUNDAI CAPITAL AMERICA
State: MO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
To whom it may concern, I write to you with great concern regarding the recent unfortunate incident involving my XXXX Kia XXXX vehicle and Kia Motors Corporation 's and Kia Motor Finance 's actions in this matter. 

My vehicle was stolen early XXXX, which has been linked to the nationwide crisis resulting from Kia 's failure to incorporate a standard anti-theft engine immobilizer that has been an industry norm for the past two decades. This issue is compounded by Kia 's lack of response to rectify the situation, and its subsequent handling of the matter has been both disappointing and unacceptable. 

Subsequent to my insurance company 's assessment of the vehicle 's value at XXXX, the funds were remitted to Kia with the expectation that the difference would be refunded to me, given the residual value of just over XXXX. However, Kia failed to provide an appropriate and ethical resolution to this matter, as it retained the payment, effectively profiting from its own manufacturing incompetence. 

Such actions not only breach the trust that I had placed in the Kia brand, despite this being my second Kia vehicle, but also constitute an egregious violation of the law. Therefore, I urge Kia to reconsider its position and provide a just and equitable resolution to this matter. It is my expectation that Kia will rectify the issue immediately to avoid any further escalation of this matter.

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 2017-11-15
Company: AR Resources, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have tried to resolve this matter with the original creditor XXXX XXXX XXXX XXXX and AR Resources who is collecting on behalf of the creditor at the time of service I had 2 health care insurances and the hospital did not bill correctly. Upon receiving the bill in the mail I called to provided XXXX XXXX  with copies of my insurance cards they refused to bill insurance due to being a car accident.I was hung up on talk to condescending but the representatives and flat out lied to saying that it will be taking care of and I would not receive any more calls. After several unsuccessful attempts to have issue resolved. I than had my lawyer contact them requesting all bills to be sent directly to him. ( I have copies of the letter from my attorney XXXX XXXX dated XXXX/XXXX/XXXX ) They have ignored his request as well. The account was than referred to AR Resources I was contacted by them an explained the situation the agent refused to bill my insurance and states that the time frame has passed and I would have to pay the money myself. I than called my insurance company who states that there was no time frame for the bill that XXXX XXXX did not send an itemized billing statement so that they may pay they requested that they send one and the bill will be paid. AR Resources on half of XXXX XXXX has refused to resolve this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: ENCORE CAPITAL GROUP 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called Midland Credit Management to pay my bill and the agent rejected my payment. They keep reporting it negatively> They have never sent me anything in the mail. I check my credit report and they are constantly reporting it negatively and rejecting my payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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. 

XXXX XXXX : # XXXX, XXXXXXXX XXXX : # 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 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 make 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 to any 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