BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: NY
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-06-24
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: Public record information inaccurate

Complaint:
I recently reviewed my credit report and came upon an alleged XXXX XXXX  Bankruptcy reporting on my consumer credit report. This is an error and Transunion has violated my federally protected privacy rights by reporting such false information on my consumer credit report. I have filed a notarized Affidavit with the United States Bankruptcy XXXX XXXX XXXX XXXX Indiana notifying them of their potential violation of state and federal law by providing Transunion with my private court records. I received information back from the aforementioned Bankruptcy Court stating they do not report to or provide information to any credit reporting agencies. Pursuant to the Congressional Findings and Statement of Purpose of the Fair Credit Reporting Act, 15 U.S.C. 1681 ( a ) ( 4 ), Congress states that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. I did not authorize or give anyone access to my private and confidential records, including the alleged 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 2023-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 account XXXX XXXX has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Late payment XX/XX/XXXX and late 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 explanation
Consumer complaint received 2023-10-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had fraudulent transactions on my wells fargo checking account and initiated a dispute for fraud. Wells Fargo said the investigator would call me, and they lied and never did. Instead they closed the dispute. They violated XXXX XXXX, XXXX fraud liability, and nacha. 

They are trying to XXXX me out of {$12000.00}. 

If it cant be resolved here, i will file a lawsuit which would qualify for treble damages for violating 15 U.S.C. 1693a ( 12 ), 15 U.S.C. 1693f ( c ), and 15 U.S.C. 1693g ( b )

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 2020-12-31
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I recieved my first stimulus check on my card & the same thing happened they locked my account right after I recieved the email telling me I got the money. So they provided me with a phone # to contact them & after calling the number they provided it tells me that they are not accepting calls at this time. So my accounts been locked for the second time now after receiving my stimulus check due to the pandemic. Last time it took me 4 1/2 weeks to get someone on the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: CA
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 sincerely urge you to remove this item from my credit report as it's not associated with me and is completely fraudulent. I kindly ask that you swiftly investigate and correct this inaccuracy on my credit history.

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 2019-07-01
Company: TRANSUNION INTERMEDIATE 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:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.

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 2023-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I have wrote them over three times this is my third letter they are in violation of usc 1681 s-2 15 usc 1681 ( A ) ( 2 ) ( B ) 15 USC 1681 ( A ) ( 4 ) 15 USC 1681 ( A ) ( 1 ) I ASK FOR verification of this debt Transunion is using stall tactics by saying it isn't me but I provided proof that it was XXXX and XXXX has yet to respond I have pointed ALL THE THINGS I NEED VERIFIED

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I have late payments showing on my credit car account for XX/XX/2019, XX/XX/2019 and XX/XX/2019. The card is reporting on my credit report twice and the company will not fix the issue. The information on all of the bureaus are inconsistent with one another and also duplicated making it appear as if i have poor payment history with the company on two cards. I gave written the company and emailed and nothing has been resolved. The late payments are not correct, I want the company to remove the late payments and delete the duplicate account.

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 2023-09-25
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: Account status incorrect

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Car was returned to dealership in XXXX  months after purchased because the car was no longer running. Never appeared on my credit till out of no where in XXXX  started reporting to my credit. Disputed multiple times. The amounts and dates are also wrong.

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 2020-12-31
Company: AES/PHEAA
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In XX/XX/XXXX, my checking account was compromised. I had to change checking accounts. I updated the payment information in my Loan Service Provider, but they did not update my automatic payment. They tried to debit the previous checking account, and it failed. They apparently sent a letter I never received. After said letter, they stopped all communication. They stopped sending any kind of billing notice. I did not receive a bill either electronically nor in the mail for over 15 months. I checked in on my account after realizing I hadn't seen a bill or debit from my account in a very long time and learned they had not billed me, but continued to accrue interest. So not only did they not notify me that I had a balance and payment due, but they also did not attempt to debit the updated payment information. I went to pay off the loan, and when I tried to do so, it gave me a total to pay off less the interest from the current month ( {$150.00} ), so even if I went through and paid the amount suggested, it would still leave a balance owed on the account. I believe that I should have legally been notified of a balance due, of a payment due, but was not sent any notification of the matter from XX/XX/XXXX - XX/XX/XXXX. The company was American Education Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: EQUIFAX, INC.
State: AR
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 was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: Leopold & Associates, LLC
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Leopold & Associates , PLLC, a debt collection agency located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX NY XXXX, has taken me to court in an attempt to collect a mortgage debt on which the statute of limitation has expired. In the State of New York, the Statute of Limitations is six years from the date of the last payment made. My last payment was made in approximately XXXX. Foreclosure papers were served on me in XX/XX/XXXX so even if we take that date as last payment made, ( which is not possible ) the six year Statute expired in XX/XX/XXXX. 

Leopold has all of the documents, mostly generated by the mortgage servicer, XXXX, that contains the date of my last payment, so they are aware that the six years had expired, yet they knowingly pursued the foreclosure action against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: Auto Trakk, LLC
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:
Claim submitted ( XXXX ) to the CFPB on XX/XX/2020 with complaint about Auto Trakk , LLC, lease servicer for Lycoming Auto Trust for incorrect reporting on credit report. The debt owed was paid on XX/XX/2020 in the amount of {$2100.00}, the agreed amount between both parties involved and was to be reported as Paid in full with {$0.00} balance and Closed while the status is reported as such ; Auto Trakk is continuing to report monthly as a Voluntary Surrender which is inaccurate. The Credit Reporting Agencies have a clear policy, as stated in their common reporting manual, XXXX XXXX XXXX XXXX XXXX, that the furnishers are to discontinue regular updated reporting after a CLOSED, delinquent account is PAID ; however if Auto Trakk/Lycoming are to make continued, regular updates, they must still comply with the FCRA ( Fair Credit Reporting Act ) by not knowingly being accurate. Being that the debt has been paid and closed, this company is failing to comply by monthly reporting as a Voluntary Surrender ( a delinquent status ) under my payment history status ; to which the account is no longer delinquent. Thus, my complaint and contesting is the accuracy of the reporting as any updating reporting in any month after the debt was paid must report the status as PAID, OK, or a non-delinquent status that reflects the current status of the payment history. 

Under the FCRA 611 my complaint is Valid and disputable as Auto Trakk/Lycoming continued reporting in XX/XX/2020, XX/XX/2020 and XX/XX/2020 as a Voluntary Surrender is inconsistent and clearly inaccurate. Again, I ask that the trade line be deleted from the credit bureaus based on the evidence attached and the multiple submissions of disputing to correct this matter as Auto Trakk/Lycoming has failed to comply with rules of the FCRA causing damage to my credit worthiness and knowingly misrepresenting the payment history status after being notified through disputes, verbally through phone calls, complaints, and emails.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: EQUIFAX, INC.
State: NC
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 am writing you FOR THE 2ND TIME to dispute Fraudulently Inquires that where applied for in my name. I had no knowledge of these accounts, nor did I APPLY FOR ANY ACOUNTS. - XXXXXXXX XXXX XXXX, Account XXXX, XX/XX/XXXX, {$96.00}. This is not my account, its fraudulent. 

Inquires from - XXXX  XXXX - XXXX XXXX. I did not authorize the inquires or did I apply for their credit products. 

I am requesting A copy with my signature in agreement with any and all terms and charges related to the inquires accounts reflecting on my credit report. 

IF YOU CAN NOT PRODUCE THESE DOCUMENTS Please DELETE them. 
I am a real person and no credit services were used to help me with my dispute. Common sense is common sense and I have sense enough to do things on my own. 

My current address is XXXX XXXX XXXX, XXXX NC XXXX. Please also update this on my credit report. 
My current job needs to be updated, it is XXXX XXXX XXXX, please remove XXXX from my credit report. 

Also delete this address because its related to fraudulent account and I have never stayed there- XXXX XXXX XXXX XXXX XXXX NC XXXX. 

PLEASE DO NOT ADD ANY ALERTS ( DO NOT ) TO MY CREDIT REPORTS, I DO NOT NEED A FRAUD ALERT!! 

I WANT YOU TO DELETE THE inquires ON MY CREDIT REPORT.

Company response to consumer: In progress
Consumer complaint received 2023-10-08
Company: American Accounts & Advisers, Inc.
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received my first bill from XXXX XXXX XXXX on XX/XX/2023 showing my insurance had paid their portion and it was applied to my account. The original amount due, before my insurance paid their portion, was {$2000.00}. The final amount due ( my portion ) was {$160.00}. I mailed them a check dated XX/XX/2023 for {$160.00}. It was cashed on XX/XX/2023. 

In XXXX, I received another bill from XXXX XXXX XXXX, now charging me for the full amount of {$2000.00}, and not listing the payment that my insurance had made or that I had made. I mailed them a letter with a copy of my cleared check on XX/XX/2023 and asked them to correct their billing error and to please send my a new bill showing my account was paid in full. 

On XX/XX/2023, I received a notice from American Accounts & Advisers saying that they were contacting me to collect the {$2000.00}. I have responded to this collection agency with copies of both the billings, a copy of my insurance claim showing what they paid and what I owed, and a copy of my cleared check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

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 Account Number XXXX and XXXX XXXX XXXX Account Number : 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.

15 U.S.C 1681 ( A ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1692b ( 5 ) - Acquisition of location information not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;

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 2022-10-10
Company: Sequium Asset Solutions, LLC
State: LA
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:
Hi, I originally disputed XX/XX/2022, via mail handwritten letter. I was never notified about a debt I owed with XXXX  ( Orgiinal Creditor XXXX XXXX ) Account # XXXX. I asked XXXX to verify the debt and I never received a response. I included my updated mailing address in the letter to make sure XXXX would know where to respond to my dispute. I also noticed on my credit report a few details didn't match across the credit bureaus which raised some concerns. The Date of last payment doesn't match, and the Date of last Active is different as well. This is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have 9 fraudulent accounts showing on my credit report that I believe are the result of identity theft. I had a recent tenant screening report pulled on me through XX/XX/XXXX and that's when I was notified of several accounts in collections. All of these accounts were sent to an address that was not mine in Florida where I do not live. I have lived in XXXX Hawaii since XX/XX/2006. I notified each collection acct by letter that they were not mine and to send me proof. They replied to me by mail after 45 days and none of them deleted the fraudulent accounts or sent me proof of who opened the accounts in my name. I filed disputes with all the accounts with XX/XX/XXXX. And again all the accounts were confirmed as accurate. I also disputed a fraudulent address that was listed on my report in Florida. I was asked to send them an identity theft report rgd the address which I did. I called to follow up and they still havent removed the address. ( XXXX XXXX XXXX XXXX Fl XXXX ) I have placed a fraud alert on my credit report with XX/XX/XXXX. Below is a list of the fraudulent accounts on my credit report showing as collections that are not mine. 

Portfolio Recovery Associates # XXXX {$650.00} Portfolio Recovery Associates # XXXX {$2700.00} Portfolio Recovery Associates # XXXX {$620.00} Portfolio Recovery Associates # XXXX {$2000.00} Portfolio Recovery Associates # XXXX {$2400.00} Portfolio Recovery Associates # XXXX {$810.00} Portfolio Recovery Associates # XXXX {$600.00} XXXX XXXX # XXXX {$1800.00} XXXX  # XXXX {$1000.00}

Company response to consumer: Closed with explanation