BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-06-13
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Hello, On XX/XX/XXXX, I received notification that payments were sent from my Venmo and XXXX and that my bank account had been hacked, I was out of town in XXXX NE. I went to a local branch and froze and canceled my account. When I arrived home, I went to my branch and kept my bank frozen as they are trying to use my funds. My bank was able to cancel the XXXX, I reached out to Venmo as they did 4 transanctions under " dummy transactions '' and I immediately disputed the claims via Venmo. I contacted Venmo daily regarding the status. On XX/XX/XXXX I received an email from Venmo that they have funded these transactions, I immeditely called as to WHY would they release funds when these transactions are clearly in dispute and I did NOT authorize such. I told them my entire banking was hacked and never did they ask for anything. On XX/XX/XXXX XXXX I received and email that my claim was denied and that I owe them {$1800.00}. I told the agent when they released the funds, that I did not authorize these transactions, they are NOT mine and I am not paying for these. I want this to be investigated as clearly Venmo can see these disputes and also labeled dummy transanctions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
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:
In accordance with the fair credit reporting act XXXX  account XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXXXXXX XXXX # XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXs # XXXX, XXXX XXXX XXXX # XXXX # XXXX 15 U.S.C 1681 Section 602 A States I have the rights to privacy 15 U.S.C 1681 Section 604 A States A consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18
Company: TRUIST FINANCIAL CORPORATION
State: SC
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:
I made a purchase from XXXX on XX/XX/XXXX using my Truist credit card. On XX/XX/XXXX, I returned the item to XXXX via XXXX delivery. XXXX has confirmed receipt of the item and advised me that they sent a credit of {$290.00} to my Truist card on XX/XX/XXXX. As of XX/XX/XXXX, Truist has not credited the amount to my card. I have contacted Truist several times asking them to research the issue and have not received resolution. I filed a dispute for this transaction with Truist 's Charge Back Department on XX/XX/XXXX ; they responded via US mail on XX/XX/XXXX, asking for additional documentation which I sent on XX/XX/XXXX. The letter states " Please return the requested information to our office by XX/XX/XXXX referencing your claim number so that we may provide you the best possible service ''. It does not indicate that my claim would adversely be affected if I did not reply by XX/XX/XXXX. I called to check the status on XX/XX/XXXX and was told a supervisor would return my call. On XX/XX/XXXX, a supervisor XXXX XXXX XXXX XXXX called to advise that the claim has been closed because I sent the documentation too late and that there is nothing more that they can do.

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 2021-01-14
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
DEBT COLLECTION COMPANY IS FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION.

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 2023-07-29
Company: RGL Associates, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX XXXX in XXXX, GA have been repeatedly calling me, 4-5x daily every day and ( XX/XX/23 ) today they have contacted my employer. I have received plenty of notices about the medical debt I owe and need to review my financial situation before I can make any payment arrangements. They are not my only collector. I am aware of this debt and calling my employer is unacceptable and my employer forbids these kinds of communications. It is grounds for termination.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Kikoff Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My ex boyfriend used my id and driver 's license to open accounts after I left after he broke my hand off my wrist. Kikoff closed finally closed the account but refuses to remove it from my credit report claim they verified my identity with the social security number and driver 's license submitted. I asked how they could prove it was I was the one who submitted the information. No response. Probably because they can't prove it. They didn't verify anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 AM TERRIBLY OFFENDED. I AM IN THE PROCESS OF GETTING A NEW JOB AND MOVING TO A NEW CITY AND I FOUND THESE FRAUDULENT ACCOUNTS ON MY PROFILE. I SUBMITTED A DISPUTE AND IM BEING ACCUSED OF NOT BEING MYSELF. SO YALL LET SOMEONE GET CREDIT IN MY NAME, NOW WHEN I DISPUTE IT YALL TELL ME IM NOT ME. I FEEL TOTALLY VIOLATED AND THIS IS CAUSING ME A LOT OF EMOTIONAL DISTRESS. REMOVE THESE INACCURATE ACCOUNTS FROM MY PROFILE OR I WILL HAVE TO USE LEGAL MEANS.

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 2023-04-09
Company: Experian Information Solutions Inc.
State: NY
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 have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX account # XXXX, XXXX account # XXXXXXXX XXXX XXXXXXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX XXXX  XXXX XXXX account # XXXX, XXXX XXXX  XXXX  XXXX account XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602A states that I have the right to privacy.

15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without my written consent.

15 USC 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 USC 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 2022-04-28
Company: Resurgent Capital Services L.P.
State: KY
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:
XXXX XXXX XX/XX/2022 at XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the fair credit Reporting act XXXX Account # 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under + open end consumer credit plan as late for any purpose. 
XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: IL
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 recently checked my credit report and saw several accounts reporting that I do not recognize and did not authorize. This false information has stopped me from being able to purchase a home, car, obtain credit, and create the life I am trying to provide for myself and my children. It is practically ruining my life.

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 2023-05-01
Company: Experian Information Solutions Inc.
State: OH
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:
EXPERIAN Experian National Consumer Assistance XXXX XXXX XXXX XXXX XXXX, Texas XXXX Subject : Disputed items in credit report Im writing about the following data that appears on my credit report. Im challenging the validity of this record showing a debt that is recorded in your system under the FCRA, Fair Credit Reporting Act, Section 609. I am asking you to verify this record. If you can not verify this record, I request you remove this data from my account immediately. 

Disputed Item XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Account Number : XXXX Im writing about the following data that appears on my credit report. Im challenging the validity of this record showing a debt that is recorded in your system under the FCRA, Fair Credit Reporting Act, Section 609. I am asking you to verify this record. If you can not verify this record, I request you remove this data from my account immediately. 

This item on my credit is an error. I have no knowledge of this debt. I did not authorize any person to act on my behalf to undertake this debt. I did not and will not in anyway benefit from this debt. I do not know the persons or parties that originally undertook this debt. 

On XX/XX/2023 a demand letter ( see attachments ) was sent to XXXX XXXX XXXX. This demand letter was seeking verification of the debt that is the subject of this notice. Said letter stated that it appears that debt is not associated with the correct party, some how the information has transmitted in error, or that the debt may have been fraudulent ; therefore, it was requested that all information and / or documents associated with this debt be forwarded as verification of such debt. ( See attachment for actual demand letter. ). As of the date of this letter, XXXX XXXX XXXX has not responded to the XX/XX/2023 demand letter I request your organization investigate this matter. If XXXX XXXX XXXX does not or can not provide such demanded verification it is requested that your bureau remove this entry from the respected credit file. Also, it would be requested that you remove all associated information related to this erroneous entry.

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 2022-04-28
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:
In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my consumer reports. The Credit Bureaus have stated that XXXX listed XXXX accounts were properly investigated and resolved on several occasions ; but how is this possible if the Account Numbers, Date Opened, Number of Months ( Term ), Last Reported, Date Last Active, and the Date of Last Payment are not accurate across all three reports? This is grounds for deletion / removal under the following : 15 U.S.C 1681 602 [ 15 U.S.C 1681 ( a ) ( 4 ) ] 623 [ 15 U.S.C. 1681s-2 ] 611.Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] See attached and have a nice day.

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 2019-01-16
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Hi, I had previously submitted a complaint in XXXX  of XX/XX/XXXXwith Sallie Mae - who has since sold my loan to Navient. The previous complaint case number was : XXXX.

The complaint was centered around raising my payments after doing an interest only repayment. I settled on an agreement with Sallie Mae - which was to an extension of 3.5 years to help keep the payment at the original payment amount of XXXX per month.

Upon checking on the status of these loans - it looks like they have extended my loan to XX/XX/XXXX. I graduated in XX/XX/XXXXand was told that my Master Promissory Note shows a 10 year repayment. This means that I should be done paying these loans in XX/XX/XXXXor XX/XX/XXXX at the absolute latest. My monthly payments have also steadily increased from {$620.00} a month to {$670.00} a month currently ( and to be clear the total interest being paid a month is actually less than it was in XX/XX/XXXX).

I tried calling Navient and asking for the agreement and original master promissory note. I was told they would get them to me by Friday of last week ( XX/XX/XXXX ) and they have still not been sent.

I have been paying these loans for over 11 years at this point. I took a short period of time where I paid interest only and I'm aware that this extended my payment - but I did not agree to have this extend to a 19 year repayment. This is unacceptable and I'm hoping you will be able to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I lost my job on XXXX XXXX contined to struggle and pay my car note until XX/XX/2020. At that time the car was in operable for from XX/XX/2020 to XXXX 2020 months because of a transmission issue. I was unemployed at the time because of XXXX and i was pregnant at the time.So on XX/XX/XXXX XXXX .I called the finace compay XXXX XXXX and let them know i was unable to keep the payment up and i advise them to come and pick up the vehicle at the time I did not have any other transportation.They came and got the vehicle and i made sure the vehicle was cleaned out and in the best condition possible but with minor wear and tear as possible.They sold the vehicle in auction and that all i heard. Until crown managament assets started harrassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
State: IL
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:
2 Unauthorized Hard Inquiries on my Equifax Credit Report that, I did not Consent or Authorized and need this to be Removed please. 

XXXX, XXXX XX/XX/2021 - XXXX XXXX XXXX XX/XX/2021 In accordance with The Fair Credit Reporting Act XXXX  Account. Has Violated my Rights. 15 U.S. C1681 Section 602A States, I have the Right to Privacy.

15 U.S. C1681 Section 604A Section 2, It also States a Consumer Reporting Agency can not Furnish an Account without my Written Instructions or Consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
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:
XXXX HAS FAILED TO TAKE OFF ACCOUNT ON MY CONSUMER REPORT. THE ACCOUNT NUMBER IS XXXX ON MY XXXX REPORT, XXXX, EQUIFAX. HOWEVER XXXX BANK HAS SENT AN EMAIL STATING THIS IS NOT SUPPOSE TO REPORT TO MY CREDIT FILE AND WILL SEND PROOF OF EMAIL FROM THEM

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
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:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-13
Company: HYUNDAI CAPITAL AMERICA
State: NC
Product: Vehicle loan or lease
Sub-product: Lease
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 surrendered my lease back on XX/XX/XXXX and never received an end of lease bill. I called several times over the past 2 years asking for one so I could pay what I owed and I was told I needed to wait for a letter to come in the physical mail. 

According to their end of term invoice policy, I should have received an end of lease bill within 30-45 days of handing in my lease. I wanted to pay what I owed so there would be no issues later on. I kept calling over the next 2 years and was met with the same response that I had to wait. I never received any mail. 

Fast forward to this XXXX ( XXXX ), I received notice from my credit bureau that I had a delinquency on an account that was 30 days past due- it was XXXX and my credit score decreased by XXXX points. I have been in contact with Hyundai Motor Finance ever since that day in hopes of resolving this issue. After many, many phone calls, written letters, supportive documentation, and even a supervisor in support of my case ( she emailed the credit dispute department on my behalf ) I am still told that I am in the wrong. 

I have a strong feeling XXXX did not review all my letters, cell phone records ( as requested by the supervisor ), and recorded phone calls to XXXX over the last 2 years. 

XXXX did not abide by their policy and took advantage of someone who had never missed a payment and who was doing the right thing all along. 

*Please review ALL documentation as they state key dates, names, and evidence. Please take my concern seriously as this issue will affect my credit score for years to come.

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