BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE. 

1. XXXX 2. XXXX 3. XXXX 4. XXXX 5. XXXX 6. XXXX 7. XXXX 8. XXXX 9. XXXX 10. XXXX 11. XXXX 12. XXXX 13. XXXX 14. XXXX 15. XXXX 16. XXXX 17. XXXX 18. Inquiries Name of Company Date of Inquiry Type of Business XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Miscellaneous And Public Record XXXX XX/XX/XXXX Miscellaneous And Public Record XXXX XX/XX/XXXX Miscellaneous And Public Record XXXX XX/XX/XXXX Miscellaneous And Public Record XXXX XX/XX/XXXX Banking XXXX XX/XX/XXXX Banking XXXX XX/XX/XXXX Banking XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX Banking I expect that you will provide verifiable proof as required under the 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect these negative events to be removed.! Please communicate your intentions in writing.!

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 2020-04-02
Company: PRESTIGE FINANCIAL SERVICES INC
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
In XXXX of XXXX I purchased a used XXXX XXXX XXXX XXXX and got a car loan with Prestige Financial. The loan was for XXXX. We have been paying the loan payments on time never late since this time ( XXXX ) our balance currently is XXXX. We have made 19 payments yet the loan has gone down only XXXX dollars. We were promised a lower interest rate from Prestige if we paid on time which we have yet they have never applied the whole amount of the lowered interest rate. When we call in to inquire they mention all of these fees that we didnt sign up for but will never give us a detailed explanation of the fees. Our interest rate is high as we had just gotten discharged from bankruptcy, I understand that but this is above and beyond the huge 30 % interest. We are struggling to make the payment every month and the fact that all our payments are not making a dent in the balance is very frustrating. I got a letter in the mail from the auto loan company asking us to sign a form saying we believed their numbers were correct because they were being audited. I didnt fill out the form because the numbers are not correct. Also the numbers on the form are completely different from the numbers on my online account. Im hoping you will look into this as none of it adds up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: Credit Bureau of San Luis Obispo & Santa Barbara Counties
State: NV
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I had reviewed my credit report and noticed I have XXXX medical bills on my credit report unpaid. I called my medical insurance company to find out why these XXXX bills have n't been paid. the hospital did n't summit the claims for these bills. i understand the hospital is not responsible for billing your insurance, how ever when they assume the assignment it is there responsibility, to bill the insurance and follow up with the billing process. the hospital had another company handle there billing process where the hospital later had issues with the billing process. this hospital turned this matter over to collection. I tried to excercise my rights with a debt validation requests, and received to print outs from the collectors on the print out the XXXX bills state paid. the collection agent state these bills are n't paid I know they are n't paid by me but why do my bills state paid on them. by the way the collection agent sent me information for another client they are attempting to collect on medical bills by mistake and told me to throw them away.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26
Company: TCF NATIONAL BANK
State: MD
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I have an auto loan with Gateway One. Recently they 've been calling to collect on a past-due payment. They called multiple times a day and then they showed up to my mailing address and gave a collection letter to the person that answered the door and told them they had to open it and read. I have verification of that. Then they started calling people and telling them that they were looking for my car. If you can give me an email address I can send you copies of interactions with people that they spoken to where, they say they will rude and nasty..

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-02
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

I do not agree they did not remove fraud Account PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!

I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX  AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 5th 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, SC XXXX XXXX  ( Original Creditor : XXXX NC ) XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$500.00} XXXX XX/XX/2022

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 2022-09-13
Company: Experian Information Solutions 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 to the Fair Credit Report Act, the following accounts has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602 states I have the right to privacy. 

15 U.S.C. 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instruction.

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 2022-04-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received checking and savings account statements from Bank of America on XX/XX/XXXX. Accounts had been opened under my social security number/bday/address and my previous last name ( XXXX XXXX ). My name is XXXX XXXX and I haven't gone by the XXXX name since XXXX. 

I called Bank of America and informed them of the fraud, at which time I found out this person was actively using the accounts. 

I have informed the credit bureaus and am in the process of trying to correct other credit applications through XXXX XXXX. 

The person who opened the accounts used the following information : email - XXXX address - XXXX XXXX XXXX XXXX, XXXX, Arizona 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 2022-04-29
Company: EQUIFAX, INC.
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:
In accordance to the fair credit reporting act XXXX Account Number : XXXX XXXX XXXX XXXX has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
this is a formal complaint tht transunion is violating several of my rights under the FCRA.In 15 usc 1681a2 under Exclusion states Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; However Transunion is reporting late payments to which Constitutes an experience and transaction to which both are part of the exclusion law stated above.Furthermore under 15 USC 1681 congressional findings ( 4 ) states there is a need to insure the consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy to which Transunion has failed to do.The following accounts are reporting illegal. 
XXXX XXXX XXXX account # XXXX latepayment. 
Dept of education account # XXXX/late payment. 
Dept of education account # XXXX/late payment. 
Dept of education account # XXXX/late Payment. 
Dept of education account # XXXX/late payment. 
Dept of education account # XXXX/late payment. 
Dept of education account # XXXX/late payment.

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 2022-02-02
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:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-13
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Last Year around XXXX, I received a letter from XXXX XXXX XXXX regarding a student loan- I sent a debt validation letter to them and they sent me a contract but my signature was not on ANY of the documentation, the original lender was listed as XXXX XXXXXXXX XXXX XXXX XXXX . I called them to get more information but they refused and referred me back to the collection agency I disputed ted XXXX through the XXXX and this was removed from my credit report. This time I notice the Original creditor changed to XXXX XXXX XXXX which is now XXXX. I called XXXX while this was still in dispute and they had no record of any student loan from XXXX. XXXX XXXX send this to another Agency in XXXX of XXXX and I repeated the process and again it was removed again. I didn't hear anything from XXXX but received yet another letter in dated XX/XX/XXXX from XXXX XXXX XXXX regarding the same loan. i am exhausted this is affecting my credit an me completing my XXXX. This account is from XXXX!!!!! and it has not even been proven to be mine - How can they just keep sending it to different collection agencies and reporting like it's from XXXX. How can I protect myself and my credit?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On  XX/XX/XXXX  a medical service was provided at   XXXX   XXXX   XXXX   which entailed a {$100.00} copay.
<P/>
 XX/XX/XXXX  After receipt of the bill for this charge, I requested a financial aid application packet sent to me. This was completed by me and returned within the 30 day time frame allowed by the provider. They would reply tome in about 30 days after receipt of the packet.
<P/> XX/XX/XXXX  I was unsuccessful in my attempted to contact the provider by phone.
<P/>
On  XX/XX/XXXX  placed in collections by   XXXX   XXXX   XXXX   and not noticed by me until  XX/XX/XXXX .
<P/>
On  XX/XX/XXXX  at   XXXX   XXXX   I spoke with  XXXX  at  XXXX  who indicated since the blll had not been paid in full after three statements, the bill was sent to collections. A request as to the status of my financial aid packet indicated the paperwork was not processed at that time. Another packet was sent to me to complete. She would pull the bill from collections until receipt of the new and current data was received. This included the   XXXX   XXXX    income just received that may have impacted the income level requirements.
<P/>
On XX/XX/XXXX  another call t o   XXXX   re vealed bo th  XXXX  a nd  XXXX  were both working on " this ''.
<P/>
On  XX/XX/XXXX  The medical bill was closed for collection as paid in full. I would presume that was as a result of the recent phone call initiated by me. I was approved for the financial aid and the {$100.00} bill was written off. Please note I was timely in my request for assistance in this matter and did everything I could to handle this matter timely.
<P/>
On  XX/XX/XXXX  I received a free TransUnion credit report. Upon my review and much to my surprise is XX/XX/XXXX placed for collection from  XX/XX/XXXX  for {$89.00}.
<P/>
I understood that  XX/XX/XXXX  had pulled this medical bill until the financial aid packet I completed timely and returned had gone through their internal review process. I had no idea of the errors made by them which included losing my original mailed financial aid packet and pulling the promised report when requested.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-13
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX ; XXXX XXXX ( XX/XX/XXXX ) ; XXXX XXXX ( XXXX ) ( XX/XX/XXXX ) ALL ON EXPERIAN/XXXX/XXXX   and disputed. 

I recently attempted to dispute them and informed " I can not dispute as I already have done so ''. Yet, these items remain on my report though disputed and XXXX XXXX and XXXX XXXX ( XXXX ) was included in my ch. XXXX ( discharged/paid in full ) XX/XX/XXXX ; remain as negative items on my report. Experian is not removing the items and say I can not dispute them, though they list nothing stating included in Ch XXXX and discharged. Since that is the case, I have been trying to get them removed as they are all over 7 years old to no avail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-25
Company: EQUIFAX, INC.
State: CA
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:
I am one XXXX XXXX  person at these so call credit bureaus. Since XXXX of 2020 I have been trying get things taken off my credit report there are so many things bein reported wrong that need to be corrected or removed. Why is this taking so long and why are am I have to go thru this XXXX by writhing to complaint? How hard is it to make these changes or remove them from my report? I have attached copies of the disputes I already file just so you know it been done

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Bright Capital Inc
State: FL
Product: Debt or credit management
Sub-product: Credit repair services
Issue: Charged upfront or unexpected fees

Complaint:
downloaded the app for " XXXX XXXX '' was looking over for information a few days after, charged. 
Reviewed the app, and was charged for a years worth of their service. 
I have called and disputed with my bank. 
Have not been able to get a hold of any customer service with the website for " XXXX XXXX '' Both chat that says XXXX customer support. which is not true. 
and phone line continues to disconnect after stating they " are busy with other customers '' I searched the name online and have seen other victims go through the same issue. 
This site should be reported!

Company response to consumer: Closed with explanation