BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-09
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was damaged or destroyed the vehicle

Complaint:
I am being sued by one main financial for a title loan that i defaulted on. I have been involved in 2 car acciddnts pastb2 yrs and there for i have had financial hardships. I tried to work with them to lower payments but my medical bills have grown to where i cant afford to pay all my bills let alone XXXX to XXXX a month on a vehicle that i no longer have or is working. They have harrassed me by calling my job when i was still working. It got to the point that i was talked to by my boss about recieving personal calls 3 times a day. I went to court and then tried to contact one main financial to try and solve the issue. The lawyer i n charge of the case wouldnt even talk to me or my brother who is now in charge of my financials because i dont have the XXXX XXXX to handle all the debt that is building up due to my accidents and medical bills. 
They have been incredibly rude and not willing to work with me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
SchoolsFirst Credit Union Attention : Disputes and Fraud Department XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Request for Immediate Removal of Fraudulent Credit Card and Personal Loan from Credit Profile Dear Sir/Madam , I hope this letter finds you well. I am writing to formally notify SchoolsFirst Credit Union of fraudulent activities related to my credit profile. It has come to my attention that a credit card with the number XXXX and a personal loan with the number XXXX have been unlawfully opened under my name. I respectfully request that these fraudulent accounts be removed from my credit profile immediately. 

On XXXX XXXX XXXX I discovered the presence of these fraudulent accounts and I took swift action to address the issue. I have already filed a detailed police report [ Copy of police report attached ]. Additionally, I have lodged a formal complaint with the Federal Trade Commission ( FTC ) to initiate an investigation into this matter [ Copy of complaint confirmation attached ]. Based on the supporting evidence provided, it is clear that I am a victim of identity theft, and I have taken all the necessary steps to rectify the situation.

Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or fraudulent information on their credit reports. Section 611 ( a ) ( 2 ) of the FCRA states that credit reporting agencies should promptly investigate any disputed information and remove it if found to be inaccurate or unverifiable. I kindly request that SchoolsFirst Credit Union adhere to the responsibilities outlined by the FCRA and promptly remove these fraudulent accounts from my credit profile.

I understand that investigating this matter thoroughly may take some time. However, given the nature of the unauthorized accounts and the actions I have already taken, I would appreciate your commitment to resolving this issue as quickly as possible. I would also appreciate regular updates on the progress of the investigation and confirmation once the fraudulent accounts have been removed from my credit profile.

I trust that SchoolsFirst Credit Union is committed to ensuring the accuracy and integrity of credit reporting. I am confident that you will handle this matter with the utmost professionalism and diligence. Please feel free to contact me at [ Phone Number ] or [ Email Address ] if you require any further information or if there are any updates regarding my request.

Thank you for your prompt attention to this matter. I look forward to a swift and satisfactory resolution.

Sincerely,

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Experian Information Solutions Inc.
State: NJ
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 was told that Medical Bills were going to be removed from the credit reporting agencies on XX/XX/2022, yet these bills are still on my credit report. 

Is this my error or am I reading the directive incorrectly. There is literally no way to talk or communicate with the big 3 reporting agencies. 

This is very frustrating. I just want to know the directive and why these agencies have not removed this incorrect information.

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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accurdance with the fair credit Reporting act XXXX Account # XXXX, has violated ry 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 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; arCI 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for 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 explanation
Consumer complaint received 2023-04-20
Company: CAC Financial Corp
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Issue, just graduated high school went off to college. I am on my mothers insurance and all Bills are sent to my mother who will handle bill if received. I did not receive a bill while in college nor knew that I owed a balance when XXXX  insurance company said my yearly deductible was meet. I have never spoke with this agency until I viewed my credit and called and ask a question. The lady on the phone was rude, got FLY and said You are responsible for this bill period. She did not give me any detail nor did she explain what was it for. I tried over and over to prob for more question but the more I did the ugly she was, it was just pointless. 

I felt so lost and did not understand why was I treated like a criminal. College student first year in college as a freshman did not have a job just a struggling student coming from a 1 parent household. My mother is handicap and does what she can to help me while in college and pay bills with her XXXX. Even my mother called and ask question but they are rude and told her he owes this bills. Now Texas does have the HIPPA LAW. They violated this. All info was given. My information should be private and not released to any one. When a payment was made HIPPA rights was violated, then years later Im still looking at this same bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Resurgent Capital Services L.P.
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 am a federally protected consumer and a natural living person. I am aware that this company by the name of Rc/ Resurgent Receivable is committing fraud and claiming that I owe this company an alleged debt. I hereby refuse this alleged debt and request that this company provide me with documentary evidence which shows that I legally owe this company this alleged debt. I am also aware that this company has violated the Fair Credit Reporting Act by reporting unfair and inaccurate information as according to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) information solely as to transactions or experiences between the consumer and Rc/ Resurgent Receivable should be excluded from personal reports. I am saddened to see that this company thrives on deceiving its consumers and hope to find a resolution to this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have recently reviewed my credit report and I have noticed several late payments on XXXX XXXX XXXXXXXX According to the Fair Credit Reporting Act 15 USC 1666b -A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

According to the the Fair Credit Reporting Act 15 USC 1681i ( 2 ) ( A ) ( i ) -report containing information solely as to transactions or experiences between the consumer and the person making the report ; According to the Fair Credit Reporting Act 15 USC 1681s-2 ( a ) ( 1 ) ( F ) - The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Westlake Services, LLC
State: KY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
I paid off the end of my lease which was {$1200.00} at the beginning of XXXX so in order for me to get the title i have to pay {$3600.00} which is fine but they want me to pay it up front which i do not have that kind of money to do that i can not get refinanced through westlake portfolio management because of my credit i have called numerous time askin for more time one time i called a lady said yes they would work with me im like ok i calls back again another lady is telling me they can not work with me and was very rude about it and before they took over for american car center a while ago i asked about this if i wanted to purchase the car how long did i have to pay it off they told me 6 months this company has a lot of people there they give different answers each and everytime i call i just wanted till the end of XXXX to pay this off i really dont feel like that should be a problem

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 2019-02-06
Company: EOS Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have no idea what this company is doing on my credit reports. I have never heard of them or from them and I only get insane amounts of calls demanding money. I have never left a debt unpaid and I dispute this 10000 %! I want these people to stop scamming me for money that is already covered by write-offs and taxes. They are illegally recollecting on top of money already written off and adding astronomical fees and interest not legal for them to do in my state! 

fdcpa laws were violated when i initially disputed this without any results or notice and they never ceases and desisted when i asked them to. I am frustrated and XXXX as to what they want and why they are harassing my family! I will give them 30 days to get their illegal collections off of my credit reports or I am taking this proof to small claims and suing them for FDCPA violations in my state!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XX/XX/XXXXXX/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 2020-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX  ... .XXXX ... AND TRANSUNION are failing to report revolving accounts that belong to me ... ..they actually removed them and my score fell significantly ... I am attaching proof that all these cards belong to me and should be being reported to all 3 bureaus! 

XXXX XXXX XXXX LIMIT IS {$5000.00} XXXX XXXX XXXX LIMIT IS {$3000.00} XXXX XXXX XXXX LIMIT IS {$4000.00} XXXX XXXX XXXX XXXX IS {$12000.00} these cards really benefit my overall usage and my credit worthiness and by the credit bureaus removing the cards ... ..my credit score dropped significantly ... .please add these cards back to my credit file immediately!!

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 2018-02-25
Company: PREFERRED CREDIT INC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Not sure what this is it, reports on my credit as a loan which I never took or received. 

Preferred credit secured loan pob XXXX XXXX XXXX mn, XXXX ( XXXX XXXX XXXX total XXXX chargeoff

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: AZ
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, They failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-07-22
Company: JPMORGAN CHASE & CO.
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I lost my wallet and ID. The next day I noticed a number of large transactions ( XXXX ) on my XXXX Chase XXXX card ending in XXXX. I immediately reported the situation to my credit card company. They opened an investigation then things went sideways. They denied my claim and I asked why they didn't provide any real reason. They then asked me two months later to file a police report. XXXX Chas XXXX requested my credit information and the replacement request of another card. I immediately provided both pieces of information. I informed XXXX Chase XXXX that they asked me early on if I filed a police report and I said no, but was happy to do so if they needed me to. I am happy to do so now, but what I find odd is that I can not get any information from the credit card company to give to the police that may aide them or something that explains as to why now this request is needed. Also, I asked what the merchant has provided and XXXX Chase XXXX said nothing to date. I found that to be even more strange. So large transactions without merchant repsonse is now the obligation of the card holder. Doesn't seem right. Please feel free to contact me at XXXX for additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXXXXXX XX/XX/2018 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section XXXX ( a ) ( XXXX ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to XXXX parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : XXXX XXXX XXXX CC : STATE REGULATORY AGENCY

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