BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-24
Company: ALLY FINANCIAL INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Year was XXXX, it was cold around winter. I had just lost my mom that summer, I was in XXXX FL. My girlfriend mom heard the tow man early morning around XXXX XXXX XXXX. Picking my car up illegal. Yes I was only late on my car payments almost 2 months but I let them know. They illegal took my car, the tow man said they had been looking for my car for a while. Which I don't know how, I kept up with GMAC and I was not that far behind to be repoed. So I called the next morning, GMAC told me yes that they illegally reposed the car, and I could get my car back if I had at least half a payment. I didn't they kept it, they sold it right under me, and they let me know they did. Never said anything about paying then. I moved to TX around XXXX XXXX I got a call about that car, it was a XXXX XXXX XXXX XXXX. Man said, I still owe I explained to him like it was explained to me. Like I'm explaining to these people who aren't GMAC they some scammers or bill collectors I don't owe on they illegally reposed my car they sold up under me. I was told they sold it for the amount I had left to pay on the car & {$4000.00}. Somebody paid it off for me. This is now almost 20 yrs these people are talking about I owe * {$4000.00} but can settle for like XXXX or something, they keep calling me from different numbers and states, talking about getting a lawyer on the case, and I guess prosecuting me. Putting this on my credit, wouldn't this already have been on my credit, if I owed GMAC. I have been on XXXX XXXX XXXX for over 20 plus yrs. All my bill collectors, have a clear understanding to this. When I purchased this vehicle which was in my name only I only had this one income coming in, my single home. 

Deposited a new message : " And unable to come to resolution call or handle this today on our secure mobile friendly website at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. That's XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account will be forwarded to a local law firm for review. If no resolution is made, looks like there was a prior promise to pay but no resolution made. Stop this possible further action and or credit reporting if applicable, make sure it's handled today again by phone agent or website. We're giving you all options. '' Click here : to listen to full voice message. 

They call me from many numbers, different states that's a visual voice message.

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 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 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

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 2023-03-11
Company: Experian Information Solutions Inc.
State: MN
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 recently reviewed my credit report and found unauthorized inquiries.

I contacted the below creditors and they have NO proof I initiated a written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 am a victim of Identity theft. credit card accounts have been opened in my name, using my social security with XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX and XXXX. I received letters from XXXX XXXX validating the accounts were opened by another person using the social security that I did not authorize. I requested a credit block with the TransUnion union. I sent TransUnion all the documentation required to block the accounts that are not mine and were opened by another person/s using my social security via certified mail. After speaking with XXXX, XXXX, and XXXX XXXX I was informed that was not done that I may submit further documents although they were unable to tell me what documents and why my block was not done or valid. The letter I received was dated XX/XX/22. The letter states the block was not granted due to either an error, more documents are needed, or that I received the items. I repeated and requested documentation to this conclusion and neither of them could provide me the answer as they are " not allowed to do per Transunion ''. XXXX and XXXX also informed me a credit freeze is the same thing as a block. which is not correct I informed them.

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 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

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 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: EQUIFAX, INC.
State: NJ
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXDate of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXDate of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXXDate of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXXDate of inquiry : XX/XX/XXXXXXXX XXXXDate of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We applied for the Forbearance six-month plan in XX/XX/2020 due to the financial hardship that we confronted. We were very thankful for this help. However, it is conducting us into deeper financial debt, and all due to the loan agency 's delay response. 
Development of events : -We called Lakeview Loan Servicing in XX/XX/2020 to inform them that we no longer needed this plan and were ready to start paying back our mortgage. The person that answered the call confirmed that he was going to send us the Forbearance cancelation document. And that in the mid-time, he was going to extend the program for another six months. The extension was to cover the time that the review was going to take. 
-We received the documentation by the end of XXXX. We sent Lakeview Loan Servicing all the required documents in XXXX. 
-We called in XXXX inquiring for more information. We were interviewed by one of your agents, that confirmed that all documents were in order and that we just needed to wait for a package in the mail. The package was to contain documents that needed to be Notarized by a Notary Public and send them back. 
-We have made several calls without any useful information, we were only informed that it was still at the underwriting department. 

It's been more than 3 months since we sent them all the documents. 
It's been 5 months since we made our first attempt to start paying. 
Our debt to Lakeview Loan Services is increasing as we are writing this note. 
One of your agents told us that we should not have gone through another Forbearance. and that he could not understand why we were advised to do this.

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 2021-01-11
Company: HCFS Healthcare Financial Services of TeamHealth
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not my debt, someone maybe use my information wrong or fraudulent. Please I would like this account deleted

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 2021-01-11
Company: EQUIFAX, 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:
On XX/XX/2020 I 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. My information was also impacted by the data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am trying to figure out who this collection company is XXXX XXXX XXXX I have never signed anything from them and I just want them to verify that it's me that owes them {$560.00}, I've sent letters and have got them removed from XXXX but not XXXX and XXXX

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:
This will be my 5th time addressing the same issue with a reinvestigation of inaccurate fraudulent items on my credit report. I have submitted several documents showing the fraudulent items removed from XXXX as of XX/XX/XXXX. However Equifax and XXXX claim to have verified as accurate the very same information XXXX could not verify and has since removed from my credit report. Please explain how this possible if the reinvestigation is for the same information furnishers. Im attaching a copy of my police identity theft report from XX/XX/XXXX showing the inaccurate fraudulent information and copy of my Equifax from XX/XX/XXXX and XXXX from XX/XX/XXXX credit report still showing inaccurate information after reinvestigation. According to 15 USC 1692 611 ( 5 ) a After any reinvestigation If the consumer finds any item to be inaccurate it must be removed immediately. How long does a investigation and reinvestigation take? According to the law 45 days in total. I have been in a continuous loop for the pass 3 years. With these none compliance credit agencies. In the FCRA Congress said since credit agencies choose to hold the records and reports on the consumer they have a duty to make sure that the information is accurate. And if information is not accurate they must remedy the situation. However it seems this only applies in some cases and not mines. They only other thing I can assume is discrimination against me for exercising in good faith any right, afforded to me under the Consumer Protection law. What other conclusions could I draw when I am doing everything according to the law on my side and the credit reporting agencies using my personal private information for financial gain get to ignore the law and do as they please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
this account from XXXX XXXX was opened by fraud. i had this information blocked off my credit with a police report and then this company bought the debt and put it back on the credit per fcra they violated the law im asking for them to detete off credit reports asap national credti adjust date opend XX/XX/2021 balance XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: WELLS FARGO & COMPANY
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:
Lender submitted hard inquiry... Without request from me..

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 2023-11-21
Company: EQUIFAX, INC.
State: OH
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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-05
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XX/XX/XXXX, we mistakenly submitted an electronic payment of {$5000.00} to our TJX Credit Card - which is managed by Synchrony Bank. 

We recognized the error and called the bank 's customer service on XX/XX/XXXX via their toll-free number. They promised to refund the money via check in 7-15 business days - which makes the expected receipt of XX/XX/XXXX. 

The bank issued a credit on our account on XX/XX/XXXX and we received a new statement for the period XXXX. XXXX - XX/XX/XXXX via USPS mail on XX/XX/XXXX. ( Note that the statement was receive via USPS just a few days after the statement closing date ) We did not receive the check by XX/XX/XXXX, so we contacted the bank again on XX/XX/XXXX and spoke with XXXX. They promised to cancel the previous check and send a new one via courier and we should expect to receive this in 4 business days an expected receipt by XX/XX/XXXX. 

We did not receive the refund check via courier by XX/XX/XXXX. 
On XX/XX/XXXX we again contacted the bank via their customer service line. We spoke to 4 people. No one could confirm that the check was sent. No one could provide a courier tracking number. All of them suggest that the mail service was slow and we would just have to " be patient '' and wait another 7-15 business days Why did we speak with 4 people? 

Each of the agents we spoke to insisted there was no one to " escalate '' this matter or who could provide additional help or clarity. Each of them said the equivalent of " let me put you on hold to check with someone '' and the line disconnected. In other words, it appears they hung up. 

We have been patient. 

We have waited the proscribed time, but as of this writing, we have not received our refund of {$5000.00}. It is a substantial amount of money and we have no idea when these funds will be returned. 

We would appreciate CFPBs help in getting these funds returned to us as soon as possible

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