BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: MO
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Dear Sir/Madam, I am writing to address a concerning issue regarding inaccuracies in my credit report, as documented in my report dated XX/XX/2023. Several items were initially deleted, providing relief and resulting in a credit score of XXXX. Regrettably, upon re-evaluating my credit report on XX/XX/2023, I discovered the re-inclusion of XXXX XXXX # XXXX and the persistent presence of XXXX, fraudulently affecting my credit score, which dropped by XXXX points to XXXX. 

The following items were initially deleted : XXXX. XXXX XXXXXXXX # XXXX ( Unauthorized ) XXXX. XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX 's XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX # XXXX Despite the previous removal, the re-appearance of XXXX XXXX # XXXX is deeply concerning and suggests a lapse in data integrity. Moreover, the ongoing inclusion of XXXX # XXXX, despite my previous dispute and the evidence of identity theft provided in the attached data breach notification from XXXX XXXX is distressing. 

I have attached documentation, including the data breach notification from XXXX, which identifies me as a victim of identity theft ( FTC # XXXX ). Given this evidence, I kindly request the immediate removal, block, and deletion of the aforementioned items from my credit report. 

I understand the gravity of identity theft-related matters and will not hesitate to escalate this issue by filing another complaint with the Consumer Financial Protection Bureau ( CFPB ) if necessary. I trust that you will promptly investigate and rectify these discrepancies in accordance with the Fair Credit Reporting Act. 

* Please delete, remove and block these creditors and inquiries. 

Your prompt attention to this matter is crucial, and I appreciate your cooperation in resolving this issue expediently. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 am filing this complaint as i have attempted to dispute the late payments on my credit report with Transunion as they have impacted my credit worthiness as a consumer of the United States. As of the FCRA 15 USC 1681B my rights have been violated as Ive NEVER given written consent to the credit bureaus to furnish those transactions as well as FCRA 15USC 1681a is another right of mine that was violated as this transaction was supposed to be exclusive between me the consumer and the creditor. Transunion has repeatedly sent me inconclusive responses simply stating they verified the disputed items but they have not sent me conclusive verification that Ive requested in the attached method of verification. Documents attached.

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 2020-09-20
Company: ALCHRO INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon checking my credit report i noticed a collection agency trying numerous times to collect a debt that i have no knowledge of i have not signed any agreement with this company nor have i entered into any contract with them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: EQUIFAX, INC.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: In progress
Consumer complaint received 2020-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Have you ever tried to reach a LIVE human at Trans Union? Have you tried thier 3 reporting agencies- reporting product? I HAVE- AND THEY RIPPED MY MONEY OFF. Try asking for your money back ; because I have- on 4 occasions, now, as I am typing, this is the 5th attempt to reach a LIVE Human -to at least, GET MY MONEY BACK THAT I WASTED MY TIME on- trying to get them to add my clean credit report as, this is what IS a verified and actual recent and TRUE report. I have had open disputes that have been resolved in my favor, but to this day, even with trying to pay TU to look at the other repirting agencies findings, they have not CHANGED the report, they have not looked into my resolutions and outcomes from my past disputes. Not only this, dont assume that your reports are ALL clean, I have tried to apply for credit, thinking that the money I paid was for them to look at the other agency reports, but NOOOO! What they DID DO is ADD a freaking INQUIRY! LAME! I am still waiting to ask for my money BACK and have them take the inqury off and add the NEW reports!

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 monetary relief
Consumer complaint received 2023-01-09
Company: Paramount GR Holdings, LLC
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Goodleap continue reporting XXXX XXXX XX/XX/XXXX payments as 30 days late to all credit reporting agencies. At the same time their payment history shows XX/XX/XXXX and XX/XX/XXXX as payment being paid on time, well within 30 days of due date.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I've been disputing fraud accounts and bankruptcy on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of applying for a new loan and these errors are causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. We are looking to buy a house. Please help

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 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2023-11-25
Company: EQUIFAX, INC.
State: TN
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 prompt attention to my previous request regarding the removal of a fraudulent inquiry from my credit file. However, I've identified there were still remaining discrepancies that require immediate resolution. I am a victim of identity theft, and in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), I kindly request the removal of the following items within four business days from XX/XX/XXXX : *****EXPERIAN***** XXXX XXXX XXXX  # XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TN XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. And additional discrepancies were newly found in the Equifax and XXXX reports : XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX These discrepancies were not present in other bureaus, and I doubt the accuracy of the reported information. I have enclosed the relevant information, including another FTC Report ( # XXXX ) and a letter addressing the XXXX report issue. My attorney is aware of my intentions, and we are prepared to take legal action if these issues persist.

Company response to consumer: In progress
Consumer complaint received 2020-05-11
Company: JPMORGAN CHASE & CO.
State: CA
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:
On XX/XX/2020 a fraudulent charge for {$1100.00} was made to my Chase credit card for an in-store pickup at a XXXX 500 miles from my home. I locked my card, disputed the charge and had my cards replaced but three weeks later Chase sent me a letter telling me I authorized the charge and put it back on my card. Chase claims to have investigated the charge but XXXX indicates that they have not been contacted regarding the matter. The information from XXXX shows that the order was placed by someone with whom I have no affiliation using a different XXXX account and email address than they have on record for me. This clearly was not researched or investigated adequately, if at all. Now the Fraud Department won't talk to me or return my calls, just get endless phone trees and unhelpful call center staff.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-10
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:
My credit report has incorrect information about my XXXX card account. It states the card is closed and charged off. I paid off the card and had an agreement that if I did, they would remove all negative reporting along with the entire account off of my credit report. The account needs to be completely removed 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
Consumer complaint received 2020-05-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

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 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX # XXXX # XXXX # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the rights 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 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2020-05-11
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
EXPERIAN FAILED TO INVESTIGATE THE DISPUTED ITEM WITHIN 30 DAYS. IN ADDITION THE FAILED TO PROVIDE THE INFORMATION ON FILE FOR DISPUTED ITEMS AS WELL PURSUANT TO SECTION 609

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 2019-03-31
Company: HYUNDAI CAPITAL AMERICA
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: Account status incorrect

Complaint:
I entered into a 3 year lease agreement with Hyundai Motor Finance on XX/XX/XXXX for a 2016 XXXX XXXX. At the end of my lease term in XX/XX/XXXX, I turned my vehicle back into a Hyundai location. Hyundai did not allow me to pay my termination fee at that time and said they would send a bill. Hyundai also refused to allow me to make this payment through their online portal. Upon receiving a bill of {$790.00} from Hyundai in XX/XX/XXXX for my termination fee plus excess wear and tear costs, I mailed a check to Hyundai on XX/XX/XXXX. Hyundai waited to cash my check for another 4 weeks on XX/XX/XXXX. Hyundai also converted the check to an electronic check so I can not show an image of it with the date XX/XX/XXXX written on it.Then another month passed with no additional communication from Hyundai and my account showing as paid off in full and closed. Then on XX/XX/XXXX I received an alert from my credit monitoring agencies saying that Hyundai Motor Finance had reported my account as more than 30 days past due and delinquent on my account. I have reached out to the credit reporting agencies and Hyundai multiple times and they have updated the status of my account to closed but have refused to remove my 30 days past due designation. I filed reports with Hyundai and the credit reporting agencies both in XXXX of XXXX and again in XXXX of XXXX. Hyundai has reported back to me on XX/XX/XXXX saying they believe the credit reports are accurate with the 30-59 days late status on my report. I believe that I have acted in good faith and made all of my payments on time and in accordance with the agreement that we laid out. I ask please that the CFPB ask Hyundia Motor Finance and the credit reporting agencies to please update my credit report to remove the delinquency from my account and the 30-59 days past due status.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: AMERICAN EXPRESS COMPANY
State: LA
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:
To whom it may concern : I received a copy of my XXXX credit report, and I noticed some late payments on my credit report : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 U.S.C. 1681 ( b ) permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S.C. 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS - Except as provided in paragraph ( 3 ), the term consumer report does not include- ( a ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report of ALL listed accounts this agency is in violation of 15 U.S.C. 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 U.S.C. 1692g violations 4. Fair Credit Reporting Act 15 U.S.C. 1681 violations for willful noncompliance - 616 Civil Liability for willful noncompliance 15 U.S.C. 1681 ( n ) Best Regards, XXXX XXXX Enclosed : copy of ID and Utility Bill showing proof of address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: Resurgent Capital Services L.P.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX  account was paid, settled in full and closed XX/XX/2019. 

This is my second request. It was showing late payments also after I had paid it off and the company closed it. It is now back on my credit report showing as a charge-off now. Which is negatively affecting my credit rating. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation