BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-06
Company: EQUIFAX, INC.
State: CO
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 {$22000.00}, {$22000.00}. 
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. 

-- AUTO LOANS OR LEASES XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/21, I requested my credit report and complete credit file from EQUIFAX. I was notified that they would be mailing out both the report as well as the file, but I've only received the report. EQUIFAX has refused to send me upon request my complete credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XX/XX/2020 I discovered inaccurate and fraudulent information on my credit report. I contacted the credit bureaus that were reporting the inaccurate and fraudulent information.They continue to report the fraudulent and defaming information as of XXXX. They have yet to provide me with any validation of debt and my request for damages incurred.

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 2021-09-22
Company: CREDIT ACCEPTANCE CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been unable to get my consumer report from Transunion. Online it says I have an open dispute but when I request for a copy to be sent to my address, I have yet to receive it. This request was put in more than 30 days ago, XX/XX/2023. TransUnion has been given ample time to get a copy of my consumer report to me. 

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer report. Yet TransUnion is reporting information of transactions between the consumer. The reporting of excluded information pursuant to 15 USC 168a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before replying that this account has been validated, lets be very clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion and the creditors reporting collections/charge-offs, late payments/other derogatory information on my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtness by the Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application for Award for Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-05-14
Company: EVERBANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
This complaint regards the failure of TIAA to act on, or respond about, the W-4P form I filed with TIAA. The W-4P form I send TIAA by fax requested additional tax withholding from RMDs to be distributed from my XXXX ( b ) accounts at TIAA. The W-4P form was filed with TIAA by FAX on XXXX XX/XX/2023. 
Many phone calls to TIAA since XXXX XXXX have revealed that their computer systems are unable to process my simple withholding request. My most recent phone call was on Monday XXXX XX/XX/2023 when I spoke to XXXX who investigated the situation and told me that TIAA was having great difficulty managing such requests. XXXX promised to contact me again about the difficulty on Wednesday XXXX XX/XX/2023, but I have received no further communication from TIAA.

I request that TIAA be tasked with appointing a specific individual to take charge of my request and provide me with written status reports regarding compliance with the additional withholding I have requested by filing form W-4P with TIAA by fax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: EQUIFAX, INC.
State: SC
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:
Under 15 US CODE 6802, ( A ) a financial institution may not disclose non public information to a non affiliated third party unless such financial institution clearly and conspicuously discloses to the consumer in writing or an electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to a third party. ( B ) the consumer is given the opportunity before the time that such information is initially disclosed to direct that such information not be disclosed to such third party. ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. This means that by law, I have the right to opt out of having such information reported. I demand that all DXXXX XXXX XXXX  accounts be DELETED AND REMOVED from my Credit Report IMMEDIATELY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
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: Account information incorrect

Complaint:
I have been having difficulties communicating with transylvia regarding inquiryou got an inquiries on my report II have been notified by XXXX that my email addresses have been found on a dark Web I have to recourse them to lock my credit report but translate it is not offer me these services and these increases are becoming the buildup have 20 inquiries in the last 4 months for transjunior Despite me reaching out to email and no asking for proof of equity they they refuse to either submit the proof or delete the increase regardless of my protection for identity theft and the problems I've been having with it I have notified XXXX and experience which was no problem they didn't investigation and he found that the increase was indeed not mine they removed it immediately immediately TransUnion refuses to And they refuse to supply me with the information that is be quiet to prove such credit increase is indeed valid I am being flagged flag as critics seeken chicken and I am not able to receive any assistance because of this report I am being denied and the reason stated is transjunior 2 is transjunior too many inquiries on my report within the last 12 months I don't even know how 20 inquiries is able to get on one report but not the other 2 I am aware that different companies request and different credit views but this seems to be a bit much and then I try to work with me I've submitted form XXXX and they have not responded I've sent them correspondences certified male for this XXXX disputes that they accept and Put online service that I used to send certified mail They have received my letters and when I called they told me they have not I am not understanding why they are Is not trying to investigate or help me help a situation XXXX but now I have no other choice but to reach out and to respectfully ask for 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 explanation
Consumer complaint received 2023-03-01
Company: Experian Information Solutions Inc.
State: TX
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 am challenging an account ( XXXX XXXXXXXX XXXX ) that Experian is reporting on my credit report. I had an agreement with the creditor to delete the account once it was paid. I sent a letter to Experian last month informing them of this, but my request fell on deaf ears. I do not believe that Experian started an investigation. I do believe that they are ignoring a lot of consumer complaints, and this violates us as consumers and violate many FCRA laws. I will attach the letter that is dated, and time stamped for your reference. I will also attach the account which clearly states that it is paid. I reached out to the creditor, and they informed that no one from Experian reached out to them to inquire about the account. I am demanding that this account be deleted from my credit report due to the agreement that I had with the creditor and the negligence on behalf of Experian. Please see the attached documents and remove the account 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 explanation
Consumer complaint received 2021-01-06
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:
( XXXX  XXXX  ) placed a collection on my credit report that was from Fraudulent Activity. I Have been an a victim of Identity Theft for a few years now.. I have contacted ( XXXX  XXXX  ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2023-01-26
Company: Experian Information Solutions Inc.
State: SC
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:
Under 15 US CODE 6802, ( A ) a financial institution may not disclose non public information to a non affiliated third party unless such financial institution clearly and conspicuously discloses to the consumer in writing or an electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to a third party. ( B ) the consumer is given the opportunity before the time that such information is initially disclosed to direct that such information not be disclosed to such third party. ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. This means that by law, I have the right to opt out of having such information reported. I demand that all XXXX XXXX XXXX accounts be DELETED AND REMOVED from my Credit Report IMMEDIATELY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: AMERICAN HONDA FINANCE CORP
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 A letter was sent to American Honda Finance requesting payment history and documents to support what is reporting to the bureaus. I have yet to get any response. 

I then followed up with the bureaus on XX/XX/2020 via fax. The silence is deafening. Inconsistent data continues to report with errors. 

I will attach the documents I had sent to the bureaus along with the report. I am going to list the inconsistent misleading data. 
Date of first delinquency is not listed Purge date is not listed Date of last payment is not consistent Date opened is not consistent Late dates are not consistent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Teller created a minor error, however XXXX. " XXXX XXXX '' made issue worse. Attempted to establish a complaint that was trackable to get follow-up. Problem occurred on XX/XX/23, bank Mgr. " XXXX XXXX '' promised to call by XX/XX/23 ... no respose received as of XX/XX/23 from XXXX XXXX. NFCU has no way of documenting complaints and there is no way to track any complaint received. 

XXXX resolution is two fold : 1 ) Ensure bank customers can levy complaints and get feedback from upper management that the complaint was understood.

2 ) Ensure tellers can print and provide customer statements to avoid having to make an appointment or speak with senior members at the branch to fulfill a simple request. 

The XXXX waisted my time arbitrarily and I would like a written apology and call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never received or applied for this card. This is fraudulent activity. This is the XXXX XXXX card which i never applied for or received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/1922 I received noticed via email that a new report had been added to my account from LVNV FUNDING LLC. This company is not registered with my state to collect a debt, this will act as my first and last time requesting the immediate removal from my report. I will not go back and forth. You never go to was unless your money is right. I'm ready to see the judge. Again first and last request before court.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11
Company: ResidentCollect, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've explained to the previous debt holder Resident Collect, Inc.. several years ago the debt in question isn't mine ( XXXX XXXX ). Resident Collect continued to send me collection notices. I told them that I never lived in XXXX XXXX XXXX located in North Carolina. I went so far as to file identity theft. 

Today I received the same bill from Innovative Recovery , Inc. from the same address as Resident Collect for the same amount and for the same creditor XXXX XXXX XXXX XXXX 

This collection process has been going on for over 7years XX/XX/2011.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: NETWORK CAPITAL FUNDING CORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
On or about XX/XX/2020, I spoke with a representative from Network Capital Funding Corporation regarding mortgage interest rates. During the call I did not give permission for my credit report to be run, and told the agent I was not going to begin providing requested documents he said would be needed to begin the process. I had already refinanced twice during XXXX and did not have confidence that my current rate could be better. I did provided the agent my current loan amount, monthly payment, and my interest rate. My instruction was if you can do better, let me know. 

To my surprise, on or about XX/XX/2020 I received a " Welcome Package '' from XXXX XXXX regarding a new loan. To my surprise, my credit had been run without my permission, and the offer being presented was not better than what I currently have.

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 2020-12-28
Company: CBC Companies, 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2020 I reported 5 unauthorized inquiries to XXXX and creditors. 
After more than 30 days of the complaint, neither the creditors nor the CRA have removed these unauthorized inquiries, nor validated them. 

Per FCRA the CRA and the creditors have 30 days to verify or remove the unauthorized inquiries and both XXXX and the creditors have failed to comply with the FCRA. 

Therefore I demand immediate removal and compensation of {$1000.00} per violation, due to failed validation and removal according to FCRA timeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
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 belongs to someone else

Complaint:
there are several fraudulent accounts open that have reflected on 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 explanation