BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-24
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 one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
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

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 2021-01-01
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$39000.00}, {$48000.00}, {$390.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$39000.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$48000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$390.00} -This is not my 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 2023-10-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 contacted Equifax because my score suddenly dropped XXXX points and I asked them and they told me that they can not give me an answer about my credit, because they are not financiers. When I asked who I was talking to, they told me that they couldn't give me that information either, like We do have to give them date of birth, address, social security but they don't and they don't have an employee number either? 
So I hung up and went to the page and made the disputes about what I believe is wrong with my credit and also my name is wrong and I sent them a copy of my driver license with my new address and they did not change it. They answered me that everything was correct the same day. How is it possible and how is it possible that my score has dropped XXXX points in one day. The other 3 bureaus have a high score and when I review the information and compare I don't have anything new or different that has led it to that point. I feel discriminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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. 

XXXXXXXX XXXX XXXX XXXX Account 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 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 2022-10-10
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATION BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCUARTE, THE DATE LAST ACTIVE IS INACCURATE, AND DATE LAST REPORTED IS NOT ACCURATE. THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
Privacy notice from Vanderbilt, XXXX, XXXX, properties, and XXXX using my personal information. The won't let me opt out after several attempts using their XXXX address not for them but some type of union? The phone number keep changing what I enter in as a number or hang up while inputting number. I attempted to opt out. Using my opt-out number. Several times. It said a different thing in what perceptually seemed to be trying to annoy me enough to quit. Phone XXXX does not allow a person to opt-out sharing your financial information in some fine print our government not protect us from, telling the world all our stuff without consent. You call using this opt out number yourself and see what I mean. 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 2018-12-19
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notification by the credit bureau that a debt was placed on my credit report. The debt has a date listed for XX/XX/XXXX and a debt balance of {$1600.00}. I have no knowledge of this debt whatsoever. I sent out a debt validation letter to this company on XX/XX/XXXX and have not received a response. I received a bill in the mail on XX/XX/XXXX. I requested debt validation. In response, I was sent a bill, not documents showing my signature or anything. If can't VALIDATE the debt then it needs to be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am absolutely furious about my transaction with XXXX on XX/XX/2022! They have flagrantly and erroneously charged me a higher price, blatantly disregarding their purported price match policy. It is an utter travesty! Their abhorrent reputation for running a price match policy scam is widely documented online, and I am just one of the countless victims of their deceitful practices. 

I've gone the extra mile by initiating a dispute with Chase Credit card, but to my profound dismay, they have proven utterly useless in this matter. I have tirelessly submitted a barrage of letters to them, only to be met with indifference and inaction. It's patently clear that they are firmly in the pocket of the unscrupulous merchant, completely disregarding the interests of the paying customer. I am forking over an exorbitant annual fee to maintain my account, and yet, they treat me with nothing but contempt. 

This whole ordeal is nothing short of infuriating! I implore you to step in and rectify this egregious injustice. Your assistance is not just desired ; it is absolutely imperative!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 ( FCRA ) The Following Accounts Has Violated My Rights. 

XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX  ACCT XXXX XXXX XXXX XXXX XXXX XXXX   ACCT XXXX XXXX 611 ( 15 U.S.C. 1681i ), I have the right to dispute incomplete or inaccurate information in my credit file.

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 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 non-monetary relief
Consumer complaint received 2021-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 paid a past due account/loan I had with XXXX  before we purchased our new house in XX/XX/2020. I was reported correctly that I paid it and the account was closed. In XXXX it was changed from paid status to derogatory under the condition section with Transunion. I have filed 2 complaints and wrote a statement explaining why it was wrong and kindly asked it be corrected. XXXX  and XXXX  are both reporting it correctly that the account has been paid in full and is closed. Transunion will not help me and leave it at derogatory status and show it still a collection. Due to their error my credit dropped over 100 points and I explained this to them. I paid the full balance due with XXXX  and the agreement was it would be reported correctly.

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 2023-10-09
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2023, I received a notification from the credit bureau that my credit score decreased by XXXX points. Upon checking, I noticed a new collection account from Helvey & Associates. The collection amount is {$220.00}. I have never received any communication from this company to even dispute, acknowledge or look into the debt, There is no original creditor listed and I have never done any business with Helvey & Associates.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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, 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 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 2023-06-24
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:
This is my second 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

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 2021-07-13
Company: EQUIFAX, INC.
State: LA
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:
After viewing my credit report. I saw that there were multiple fraudulent accounts. I have reached out to the credit bureaus for help and there has been no relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Basically every year I have to get labs done through my doctor for my XXXX, and I pay the doctor for the labs. but the lab company " XXXX XXXX '' is double dipping the bills. They charge the doctor, the doctor pays, and then they send me a bill for the same labs the doctor payed. Now they got the accounts in collection, and they mess my credit score.

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 2023-04-07
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I leased a new XXXX Kia XXXX on XX/XX/XXXX and have made all payments on time. On XX/XX/XXXX I was hit while driving on the freeway in a 3 car accident that resulted in my car being totaled by my insurance company. At the time of my accident I was not in default of my lease. 
Since the Car was totaled, Kia Financal infomed me that at owner of the vehicle, they were entitled to XXXX percent of the insurance proceeds. The amount the insurance company offered, the XXXX of the vehicle, was determined to be {$43000.00}. However, the early termination payoff amount from the Kia Finance website on that date was {$35000.00} giving KIA {$8100.00} gain from the excess depreciation I had paid during the course of my lease. In addition the payoff included an additional {$3300.00} in sales tax. 
On XXXX XXXX I exercised my option in the lease agreement ( paragraph XXXX ) to purchase the vehicle before maturity, making me now the owner of the vehicle. I sent payment of {$39000.00} to Kia Finance via their web portal. This purchase option ( before XXXX ) was unrestricted and only conditioned upon me not being in default. 
Kia refused to send me the title to the car claiming my contractual right to early payoff of the lease was not applicable when the car was totaled, even though no such language exists in the lease document. 
In addition, since the car was totaled, I informed KIA that sales tax on the transaction was not applicable and asked for a full refund of the {$3300.00} that was included in the pay off number. Note that in the settlement offer with my insurance company KIA did not charge sales tax because this was viewed as a financial transaction for insurance purposes, not a resale of a car since the car is now a salvage vehicle. 
On XX/XX/XXXX received a check from KIA in the amount of {$25000.00} XXXX XXXX months after I Paid {$39000.00} to KIA or {$14000.00} less than what was determined to the the pay off amount on XXXX XXXX, XXXX the check was labeled Lease Refund?

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 2019-03-18
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 is missing that should be on the report

Complaint:
This is a credit reporting agency complaint against Experian, # XXXX. I have tried several times to complete an online dispute and to update my 100-word personal statement. I am entitled to submit my personal statement, and have it provided to all who may request my credit report. This is my personal statement I wish to have placed in my credit report : " My ID was stolen, in two security breaches. Found on the dark web, my XXXX XXXX XXXX cards were used without authority. XXXX XXXX XXXX were notified, provided copies of law enforcement reports obtained. I disputed the accuracy & completeness of XXXX XXXX XXXX adverse information they reported to the three credit reporting agencies. Each agency gave notice to XXXX XXXX XXXX, as adverse information furnisher. XXXX XXXX XXXX failed to, conduct a reasonable investigation of each dispute ; review all relevant information ; modify, delete, or permanently block the reporting of 5 items of adverse information. '' Item 2 : XXXX XXXX, XXXX, is being misreported. The balance is over-reported by more than {$2000.00}. Item 3 : XXXX XXXX, XXXX, is not being reported. Experian is providing this account information to some associates and not to other. This account should be verified and placed on my report. Item 4 : XXXX XXXX XXXX XXXX, is being misreported. The balance is over-reported by {$1600.00}.

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 2023-10-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Credit reporting company. I am disappointed to see that this account has once again been added to my credit reports after you all deleted it entirely as it should have been! I have attached a pdf of what you all had before. I expect my account to be in the same state after this dispute. My account that I had with them was already resolved and paid in full. Anything they are looking for now is not under my account and they documentation that they will show you clearly is not even signed by me. Please see my attached Signature sample and my Birth Certificate which shows my legal name that I use on all contracts as XXXX XXXX XXXX XXXX. FCRA requires that you all actually review these documents and make a determination fairly. Not just accept the information from the creditor or data furnisher. Over XXXX percent of credit reports have inaccuracies. Put the burden of proof on these companies and stop just accepting what they say without proof. If what they claim is legitimate they should provide a contract signed by XXXX XXXX XXXX XXXX matching my signature sample. 

The other issue is that there are late payments reported. The status should be never late! Its impossible for what is reported to be true. Equifax shows XXXX and XX/XX/2022 shows 90 days and 120 days late when all the months before are correctly showing that there were no late payments! 

You all have had more than enough time to get this right. You fail to be timely in investigations, taking more than 45 days to respond. Then you all made proper corrections and removed items, to them put them back again. This is crazy. You all have severely hurt me financially and are preventing me from obtaining credit to cover life saving medical treatments! It is wrong to keep this account on my credit report.

Company response to consumer: Closed with explanation