BEE-spoke-data/consumer-finance-complaints huggingface dataset:
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: 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.

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 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 have a loan with XXXX. I have always made my payments on time. For some reason, I realized that there were 120 days late payments on my credit report. I have read enough to understand my rights. The Transunion Credit Bureau is required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is create a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update the late payments from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX  XXXX Date Opened : XX/XX/2013 Balance : {$17000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-22
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I was financially stable at beginning of contract XXXX XXXX XXXX and other information pertaining to unlawful arrest cause me to be deliquent 322 days the financial lender gave me a loan for XXXX in all o have paid XXXX of the principal amount over XXXX XXXX dollar in service payment fees the balance is left is XXXX of interest I have defaulted on payment negotiation due to circumstances of job hrs reduction I have agree to pay XXXX but ask for a extension until XX/XX/XXXX the lender is known for fraud of customers paying on vehicle with high interest and repossession and manipulation the lender isnt willing to comply with consumer rights and have cause me economics loss lender Credit acceptance corporation

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 2022-11-05
Company: Experian Information Solutions 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX WY XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Owed : {$84.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  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 2022-02-24
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
I have spoken with SYNCB/JCP ( JC Penny Credit Services ) XXXX time on a billing dispute for an account. Their contact information is as follows : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ( XXXX ) XXXX This issue concerns an account that was opened briefly for {$200.00} on XX/XX/XXXX and closed soon thereafter " PAID IN FULL ''. 

The creditor attempted to levy a {$3.00} late fee in XX/XX/XXXX. I called spoke to the service center and was informed that the fee was waived and the account closed. The balance at the time of closure was actually XXXX XXXX ( {$00.00} ) in my favor. 

At some point in the fall, I received another notice from SYNCB/JCP concerning the late fee for this account. I called their customer service center and was informed that there would be no late fee, it was a computer glitch and that the balance within the closed account was again + ( {$00.00} ) owed to me. 

This morning, I noticed that my XXXX score had dipped from XXXX to under XXXX. When I investigated, I learned that SYNCB/JCP had reported the aforementioned account as delinquent for the months of XXXX and XX/XX/XXXX. 

Again, I called their service center at ( XXXX ) XXXX and was assured by the representative that the account was not delinquent. 

I am escalating to your office because there appears to be a pattern of misconduct with this creditor. They are now beginning to affect my credit rating and I do not trust them to remediate the situation properly.

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 2023-01-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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 contacted Kohls Credit card company regarding a credit card that was taken out by my ex husband without my consent in my name. There was a domestic XXXX situation involved at the time it was discovered and I had not addressed it for that reason. I contacted kohls to try and see what my options were to remove this information from my credit report and explained the situation. As a single mom of XXXX I am trying to purchase a home and this is damaging my credit. I even offered to pay it off if that would help me. They assured me I should not pay the debt and would investigate. Over a month went by and I contacted them again to find out the status of the investigation. I spent over an hour on the phone with them while they looked into details. I told them that if they were not going to do anything I wanted to see the original application for this debt since I did not sign anything or agree to this. During that phone call I was told by the kohls fraud department that they were extremely back logged but that this account was going to be removed from my account and that they didnt even have the original documents anymore. I asked her if it was her opinion it would be removed or if she was certain that it was being removed and she assured me it was being removed and to please just be patient with them. Today I got a notification on my credit bureaus that kohls had updated my account to say the account was disputed and that it was valid and my scores went down XXXX points. I have been given the run around, lied to and time wasted. I want this account removed from my credit bureaus if they are not going to provide the original application and proof that this is in fact an account that they claim to be valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
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've requested a Validation Of Debt under 15 USC 1692g and a request for Disclosures from Lexus Financial Services and Toyota Motor Credit due to the wrongful actions described in the letter, In fear that the wrong company and/or entity was benefiting from my intellectual property so i sent certified mail of Validation Of Debt Request, Tracking Number : XXXX which was received XX/XX/2023. As soon as it was received there was a post on my credit According to the FDCPA They CANT Falsely represent the character, amount, or legal status of the debt, or of any services rendered, or compensation he or she may receive for collecting the debt OR Communicate, or threaten to communicate, false credit information or information that should be known to be false, including not identifying disputed debts as such. 


As they have done both and posted the debt without specifying the debt as disputed while sending me a letter stating they will stop all further collections of the debt and on the other hand, posting on my credit. 



It's been well over a month and I have not received any Validation Of Debt So i called the credit bureaus XXXX, XXXX, and XXXX asking for them to remove the account which they are refusing to and my guess is because they don't have the power to do so. I asked them how are they able to post without validation and they said only require confirmation from the " creditor '' and it's up to them to send It to me, when i explained they are not sending it they told me to contact you guys. I've already sent cfpb the validation of debt letter around the same time I sent it so they'd have record of it and now I am trying to get it removed since the alleged " creditor '' and/or " debt collector '' wont provide none of the information required in 15 USC 1692g XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized Hard Inquiries on my report on XX/XX/2021. I do not recognize this and find it to be inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
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: Account information incorrect

Complaint:
In accordance with the fair credit reporting XXXXXXXX XXXX account number XXXX has violated my rights 15 U.S.C 1681 section 602A states I have the right to privacy.

15 U.S.C 1681, section 60 for a section 2 : it also states, a consumer reporting agency can not furnish an account without my written instructions.

4 U.S.C 1666B : a creditor may not treat a payment on a credit account under an open and consumer credit plan as for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: Mr. Cooper Group Inc.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This goes back a number of years. In XX/XX/XXXX, my wife almost passed away from XXXX, a XXXX XXXX  that would have been fatal if not treated. Up until that time we were on time with no problems. We struggled, but with third party intervention we were helped. Three years later, I almost passed away due to treatments for XXXX XXXX XXXX in both legs. A XXXX XXXX  was found in time to prevent it from going to my XXXX. I've had XXXX XXXX since then. I can get the medical records for all of this. 
We were able, with the help of another third party, to get some modification. We never really spoke to anyone in the company in any kind of civil manner. We spoke to different people every time we called. They tell us that there is a dedicated loan specialist to help us, but we never speak to him/her. They are split between Texas and Arizona. No consistency. 
I had gone back to work before the pandemic hit. I believe we had contacted the company before this to maintain our modification, then COVID-19 hit, my building was closed, and I will not be going to work until XXXX. We were given a forebearance, which said that we weren't required to pay anything during that period. WE HAVE BEEN MAKING PAYMENTS THAT CAN BE CHECKED ON BANK STATEMENTS. I do not know if they have given us any credit for doing this. I also understand that Mr. Cooper was sued by a number of states ( including mine ) for unfair practices, and settled with those states. 
We want to stay in our home and would like to work out some sort of settlement. I have a XXXX and XXXX year old. This is the only home they know. Finding out now that this company settled a lawsuit rather than challenge it gives me hope that they, or someone will help us. 
Also, they never asked for any financial information from us

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
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'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 non-monetary relief
Consumer complaint received 2023-06-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I do not recognize these 5 inquiry accounts on my credit report. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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'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 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 non-monetary relief
Consumer complaint received 2021-05-22
Company: Stenger & Stenger, P.C
State: OH
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 am being sued in two different cases in civil court in XXXX County Ohio by Stenger and Stenger, affiliates of XXXX XXXX. Both accounts are the result of identity theft, of which I am the victim. XXXX XXXX and their affiliates / attorneys, Stenger and Stenger are basically dragging their feet on providing me any kind of documentation that Ive requested including an affidavit of fraud. Neither Stenger and Stenger nor XXXX XXXX have responded to my requests for validation of the debt or my numerous requests that they investigate this as fraud. They wont cooperate in any attempts to prove this debt is invalid and fraudulent. They refuse to validate the debt as per the Fair Credit Reporting Act. They are using the court system to basically force me into paying them for a debt I do not owe by not cooperating in hopes I will give up and pay them. I believe these parties are fully aware that these two accounts are indeed a result of fraud. I believe they do not care about a just outcome in these matters. They only want to win.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I have disputed inaccurate information on my credit report through Experian multiple times. Experian responds stating the information is accurate and will remain on my credit report. I am a victim of debt re aging. The creditor in question is XXXX XXXX from XXXX Illinois located on XXXX XXXX. XXXX XXXX claims I made three on time payments to be able to keep the debt on my consumer report past the 7 year time limit. The debt was last paid XX/XX/2012. The vehicle was repossessed from the cosigner without my knowledge of any missed or late payments and sold at auction without me resolving the issue. I am disputing the three on time payments, as they claim to Experian I made. Experian claims that was debt re aging and refuse to remove the inaccurate information negative on my report. So this negative account has been reported now 8 years and 9 months.

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 2022-11-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, has violated my rights. 

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I. C. System , Inc. has the audacity to try to ruin my credit by reporting a debt that dont even belong to the agency. This is a third-party agency buying debts and ruining consumers ' credits. This debt can prevent me from getting a job. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent 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 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please see this letter as my third attempt at writing you in response to your decision to close the dispute investigation for inaccurate accounts. I am in disagreement with your decision. Ive requested you provide me the information you used to verify and validate these accounts, you have yet to do. By law, you are supposed to provide me with exactly how you verified the items and include the name of the person you spoke with and the telephone number. How can you decide if these accounts are accurate without an original contract with my signature? You have never obtained personal interviews with my neighbors, friends, and associates who may have knowledge concerning these accounts. For that reason, you have FAILED to conduct a proper investigation. You have violated my consumer rights. 

To my understanding, by Fair Credit Reporting Act 611 ( a ) ( 7 ) The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute. I NEVER received the requested information from you. According to Fair Credit Reporting Act ( FCRA ), everything on my consumer report/ credit profile must be accurate, and verifiable. If after reinvestigation the item information is found inaccurate or incomplete or can not be verified the consumer reporting agency must DELETE the item. According to Section 604 of the Fair Credit Reporting Act Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. 

Therefore, Im demanding that the following items be DELETED from my consumer report/ credit report immediately. 

XXXX XXXX ( Delete this item. It doesnt belong on my credit profile. ) XXXX Acct. XXXX ( Delete this item. It doesnt belong on my credit profile. ) XXXX XXXXXXXX -Acct. XXXX ( Delete this item. It doesnt belong on my credit profile. ) XXXX XXXX Acct. XXXX ( Delete this item. It doesnt belong on my credit profile. ) XXXX XXXX Acct. XXXX ( Delete this item. It doesnt belong on my credit profile. )

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