BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. 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 an 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
Consumer complaint received 2019-04-05
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I applied for a TD Bank credit card a while back but I never got anything in the mail so I figured that I got denied. But today I signed up for this website called XXXX XXXX and it says that I owe over {$8000.00} on a credit card that they never sent me. 

How can I owe them for a card I never even received? 

I called them and reported the issue today at XXXX XXXX but they said I have to come into a branch or they wont do anything to help me even though I told them whats going on. I work two jobs and I dont have time to come into a branch. 

This is discrimination against people who dont have the ability to take off from work, they are refusing to help me because I dont have free time to stop by a branch.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/2018 Chase Account ending in XXXX XXXX fax This account should have a XXXX  balance, I owe nothing on it. All XXXX XXXX orders were either returned or were fraud. If there is a balance, which you show of {$290.00} and growing each month because you keep charging late fees and service fees with late fees I have emailed you over a dozen times and have copies of all those and your replies say you will reply within a few days and you do not! Everytime I email I save a copy of my correspondence and you are ignoring all of these. I have proved that all XXXX orders were returned and they refused to refund me. I have saved and sent you all of the tracking numbers via XXXX proving this. Why do you continue to ignore me? I am a XXXX person and can not talk on the phone most days but I am doing my best. What you are doing is not only rude, unprofessional but also discrimination against the XXXX. 

This balance needs to be XXXX. I owe nothing on this account. Please find any open charges and open a new dispute or fraud and clear it out. You can not continue to discriminate against me because I am XXXX and can only call in when I am not very sick. I am documenting all of my correspondence and your lack of a reply and action. If it is too late because of your mistake then you need to eat this balance and XXXX  it out, immediately. This is ruining my credit!! 

Please reply immediately. Please stop charging me late fees and other fees, when the balance should have been XXXX last year. 

I have written to you at least 12 times on this matter and I have yet to receive a reply. I am a person who is dealing with a XXXX  XXXX and have asked you communicate via email or snail mail, yet you havent, and you keep adding late fees and service charges. I am keeping track of every time I email or write or fax you. Please have a heart. You are ruining my credit. This needs to stop! Please forward to an executive in the Executive office. 


Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In XX/XX/XXXX, I applied for a loan and I was denied because there is a repossession on my credit report I tried calling XXXX XXXX XXXX XXXX and they keep disconnecting the call when I am asking questions. I did find that the account is for a XXXX XXXX XXXX and the pay off amount is {$10000.00}. This information was supposed to be removed off of my account in " XXXX ''. This is old information that keeps reappearing on my credit report. I need the system to be updated with this information removed. I was told to send a CBR report to have information removed Sent that letter back and the information is still reporting on my credit report I have called XXXX XXXX XXXX XXXX numerous times and have received no help with 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 non-monetary relief
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NCXXXX ; XXXX XXXXXX/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 explanation
Consumer complaint received 2022-12-24
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX 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 of 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 2022-12-24
Company: MicroBilt / PRBC (formerly CL Verify)
State: PA
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:
For the past XXXX years, I have been notifying your corporation that an " alleged '' " fraudulent '' " illegal '' and " erroneous '' account XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX has been furnishing on my consumer report and in my consumer file. I have submitted numerous complaints, affidavits, CFPB complaints, and submitted Attorney General complaints and each time your customer service representatives come back fraudulently and erroneously " verifying '' the alleged account. Not only is the furnishing of the alleged account XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX is a violation of my right to privacy, the alleged account has caused me financial hardship and embarrassment. I have never given your corporation permissible purpose to furnish said account nor do you have my written consent to furnish said account XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX which are all violations that fall under the restrictions of the Federal Credit Reporting Act. According to Federal law, your corporation should be exercising fairness, impartiality, and respect for my right to privacy under 15 USC 1681 a ( 4 ). The illegal furnishing of this account violates my federally protected consumer rights under the FCRA. The furnishing of this account also violates the standards and regulations of METRO-2 COMPLIANCE! Attached you will find my most recent letter sent to your corporation not only informing you of your violation under the FCRA but also your lack of ability to stay in compliance to METRO-2 standards and regulations.

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 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. 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 WA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX WA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX WA XXXX ; XXXX XXXX XXXX : {$8600.00} ; XXXX XXXX XXXX Balance : {$9300.00} ; XXXX XXXX XXXX Balance : {$3800.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2022-12-24
Company: LEXISNEXIS
State: GA
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: Received unwanted marketing or advertising

Complaint:
Notice of Intent Lexis Nexis a XXXX XXXX XXXX XXXX XXXX, obtain consumers personal information resells and furnishes information to consumer reporting agencies. In my case, they have obtained my Bankruptcy from XXXX, a database unethically because I was not informed. 

I was an uninformed consumer during this Transaction. 
You obtained my personal information, then sold my personal information to the XXXX XXXX XXXX. 

You are in violation of the FCRA law and Defaming my character. 
The Bankruptcy on my file in the public record section is affecting my livelihood and my character and reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXX of 2020 I parked my XXXX vehicle and in front of my brothers house in XXXX XXXX, NY to go on vacation. The car was reported as abandoned, ticketed, booted, and towed during my vacation. Also during my vacation, the COVID pandemic took hold of XXXX. Upon return, I tracked down the vehicle to XXXX XXXX towing in XXXX XXXX. I was informed it was a city tow and would need to be resolved with the city, they were unable to release. I contacted XXXX, I learned i would need to go to the DMV to pay fees. However, the DMV was closed due to COVID. 

From the months of XXXX through XXXX I kept in regular contact with XXXX, XXXX XXXX, and Nissan Motor Acceptance Corp informing them I had not abandoned the vehicle, was simply unable to take the vehicle due to COVID pandemic. 

In XXXX, I made my call to Nissan to follow up as usual and they informed me the car was scheduled for repossession the next day. I arrived to the XXXX finance office that afternoon to see if there was anyway to get the car out of impound. I was told it was impossible without having it released by the DMV, which was closed. Unable to make any type of resolution with XXXX, XXXX XXXX, or NMAC, NMAC repossessed the vehicle. 

I promptly paid the repo fee as well as fees that XXXX charged NMAC for storage of the vehicle during COVID ( NY charged storage fees daily even though I was unable to get the vehicle back ). Nissan reported to credit agencies a repossessed vehicle. 

When I did not have the car, I did not miss a payment. I did not miss a payment when they repossessed, and did not miss the subsequent XXXX payment after I paid NMAC greater than {$2000.00} to get the car back. Despite my loyalty and financial responsibility, NMAC is unwilling to remove the report as a repossession in XXXX. 

I have called NMAC, wrote the credit agency with NMAC, and disputed with the bureaus. Nissan continues to refuse to change the mark in XXXX from repossession to paid, despite a positive payment being made that month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and i did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. 

A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and I demand them to be investigated completely. 

There has been countless stall tactics. I have talked with a representative on Friday XX/XX/XXXX to confirm my identity and that it is indeed myself who has been sending the letters. I have also uploaded all of my personal identification to confirm that as well. I have also asked for all addresses that are not associated with me to be removed immediately The only address that should be listed on my report should be XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Florida XXXX all others are fraudulent and should be removed

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 2020-12-20
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This month which is XX/XX/2020, I received a letter in the mail from Convergent Outsourcing stating I owed a debt of XXXX. First off I never heard of a company named XXXX XXXX XXXX. When I googled company it stated it was a Car Finance company and I never ever had, nor held an account with the company. This alleged debt is about to be placed on my credit report because Convergent Outsourcing thinks this alleged debt is mine. Unless they have proof that this alleged debt is mine, this alleged debt shouldn't not be placed on my credit report. I'm attaching a Debt Validation Letter to this complaint.

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 2022-12-24
Company: Experian Information Solutions Inc.
State: NV
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 submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX Balance : {$4000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: MidAmerica Mortgage Inc
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a call from Midamerica Mortgage a few days ago informing me that my homeowner 's insurance had been cancelled due to nonpayment in XX/XX/XXXX. 

I was informed by Midamerica mortgage that the insurance was not paid back in XX/XX/XXXX because the documentation provided to Midamerica mortgage stated that payment was due XX/XX/XXXX. However, my insurance provider ( XXXX ) has said that all documentation shows a due date of XX/XX/XXXX. XXXX indicated a new policy could be underwritten, however it would be more expensive as the original policy was written in XXXX. 

I was later informed after many phone calls that no such documentation showing a due date of XX/XX/XXXX exists, and that the mistake was made by Midamerica Mortgage. The escrow department ( only reachable by email ) insists it has an obligation to pay the difference in old and new policies for this year ONLY. I do not find this acceptable considering their mistake will have knock-on effects for the entire time I own the home. It's honestly unbelievable that they neglected to pay the insurance on time and let my property go uninsured for a full 2+ months. What if my house had burned down in that time?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17
Company: Messerli & Kramer P.A.
State: ND
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
The company is Messerli and Kramer, a debt collector. They took over the account I had with XXXX -- that was sent to XXXX XXXX. The original amount, according to my credit report was {$3200.00}. I paid XXXX payments of {$100.00} to Messerli/Kramer. When I called them the week of XXXX XXXX, the representative was very rude. Told me the balance was $ XXXX My payment had stopped on XXXX of 2015 -- I have written proof of payments from my Credit Union . According to the balance, they have issued unauthorized charges of interest of approximately {$1000.00}. I told the representative, XXXX, that I intended to dispute this, and he told me I coul n't dispute it. I believe that they have made unauthorized charges unfairly to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act, XXXX, Equifax and XXXX have violated my rights by reporting these following accounts publicly without my consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USC 1681 section 604a states that I have the right to privacy. My consumer report is not public information and it should not be treated as such. Anything XXXX dont want on my consumer report should not be on my consumer report. 

USC 1681 section 604a section 2 state that a consumer reporting agency can not furnish an account without my written instructions. 

Equifax, XXXX and Experians illegal reporting of my consumer report has made it difficult for me to obtain credit. 

I need XXXX, XXXX and Equifax to show me proof that I have signed a written agreement with them in which I give them my permission to report and publish my consumer report as public information. When they failed to provide the signed agreement I need all these accounts deleted from my consumer report within 30 days of this complaint.

Company response to consumer: Closed with non-monetary relief