BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am currently in the process of reviewing my consumer reports and noticed many inquiries not authorized or do not recognize. 
This includes : XXXX XXXX XX/XX/XXXX Transunion XXXX XX/XX/XXXX Transunion XXXX XXXX XX/XX/XXXX Transunion XXXX XX/XX/XXXX Transunion XXXX XX/XX/XXXX Transunion XXXX XXXX XX/XX/XXXX Transunion 15 U.S. Code 1681e - Compliance procedures states : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Please investigate and provide proof that the consumer reporting agencies were in compliance with this matter. Please delete from the consumer report for violating compliance procedures. 
Thank you in handling this matter.

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 2021-08-30
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Constant calls from a company called Hunter Warfield out of XXXX Fl,, last call XX/XX/XXXX at XXXX ; XXXX. They keep saying they locked my XXXX account which is NOT true, I have a XXXX balance on my XXXX account & even XXXX customer service says there are no issues.. 
When I call this company at XXXX XXXX same number that keeps texting me they will not help without personnel info which I am not giving them because XXXX says there is no issue with 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 2018-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the ECRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. 
Please resolve this matter as soon as possible. 
Thank You.

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 2021-05-03
Company: Synovus Bank
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been a customer with First Progress now for about a year, and have been making on time payments. However for the following dates : XX/XX/2021, XX/XX/2021 I have received late payments and have been charged a late payment fee. The problem is that these late payments were due to the fact that I was having immense trouble actually paying my bill. 

The First Progress platform makes it extremely difficult to pay your bill offering only 3 options, online bill pay, call in, and mailing in an actual payment physically. However I tried calling in to make my payment by phone and was told that their system would not let me submit a payment and I would have to use bill pay, which my bank account does not offer. So this limitation in payment options led to not being able to find a way to pay my bill on time. I eventually found a solution and had to settle with a company named XXXX to submit the payments to First Progress for me which is a major inconvenience, as I dont think its fair that I have to carry around two late payments because the company did not offer me a way to pay my bill on time. If I were to mail in the payment it would have been too late as well. 

I would like to remain a customer, I just would like this issue acknowledged as my credit report is very important to me, and I pay my bills on time. The company itself I have no issues with. They are friendly and its a good credit card. I just wanted to bring awareness to the payment limitations as it has caused probably others to become late on their payments as well. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: General Motors Financial Company, Inc.
State: OH
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:
My husband, XXXX XXXX, and I leased a XXXX XXXX XXXX from XXXX XXXX in XXXX, OH on or about XX/XX/XXXX. This was a two year lease, expiring on XX/XX/XXXX, so we traded it in to XXXX XXXX on XX/XX/XXXX in exchange for a XXXX XXXX XXXX. We made our last payment for the XXXX on XX/XX/XXXX, and paid the amount owed for the XXXX at trade in ( see the bank statements, attached ). 

On or about XX/XX/XXXX, we received a bill from GM Financial for payments on the XXXX allegedly owed in XXXX and XXXX of that year. We contacted our salesman at XXXX, sent in the vehicle return receipt to GM Financial, and believed that the dealership and GM Financial had worked things out. We didnt receive any more bills after that. 

As you will see from my attached letter, they had not resolved this billing issue, and our credit scores dropped approximately 50 points over the XXXX holiday. I filed a dispute with XXXX  in XXXX of XXXX. The balance was changed to {$0.00}, but issues remained. 

Ultimately, I filed a second dispute in XXXX since our scores did not recover, and I still had late payment status showing on my credit report ( attached ). 

This dispute was not corrected, and this issue became known in the course of applying for a home equity line of credit from XXXX XXXX this week ( also attached ). I  contacted XXXX today, they confirmed that these amounts were past due, and they ultimately sent me to GM Financial. GM Financials Loss Prevention rep ( XXXX ) reviewed my account, confirmed that they were still looking for these two payments, and directed me to the dealership. My question to both was how is it possible that we could owe payments on a vehicle that was in legal possession of the manufacturers dealership/ financial arm? I had sent both parties evidence of our non-possession of the XXXX in XXXX, yet this report stood. In both cases, the parties pointed me elsewhere. XXXX was unwilling or unable to help me beyond that point. 

I then left a message for the general manager at XXXX XXXX hours ago, with no response so far. 

Please help. At no point did any of these companies take any accountability regarding this mistake that one of these parties made, and it is negatively impacting us, despite our best efforts to be as fiscally responsible as possible. 

Thank you so much for reading this complaint. If you have any questions, please call. XXXX. 

Best, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Bridgecrest Acceptance Corporation
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

FURTHERMORE, the above consumer DEMANDS the following below : Account Name : BRIDGECREST Account Number : 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 2018-04-24
Company: Experian Information Solutions Inc.
State: WV
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  and/or Experian and/or XXXX  have failed to address the issues on my credit report as follows : 1-XXXX XXXX and XXXX XXXX are both reporting collections for XXXX/XXXX XXXX ; thereby there are two collections regarding the one XXXX  ... acct. XXXX XXXX and XXXX XXXX are one and the same company ... .when I called and told them about this ... .each rep hung up. XXXX XXXX and XXXX XXXX are both reporting collections for XXXX/XXXX XXXX which was charged off/tax deduction by XXXX/tax deduction NO CONTRACT ... .therefore there can be no collections ... .much less two in one companies collecting 2-XXXX XXXX and XXXX XXXX each too, fall under the FRCA ... no contract/no debt,

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 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I contacted the below creditors, and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written or verbal I ask that you DELETE these inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purpose of Consumer Reports 15 U.S. Code 1681b in general. Subject to subsection ( e ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX - XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, DE 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 2021-08-30
Company: EQUIFAX, INC.
State: IN
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 credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: MN
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:
The credit bureaus has violated my rights under the FRCA and the CARES ACT, and have caused me undue stress and phycological pain Under the CARES Act, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C. 1681s2 ( a ) ( 1 ) ( F ) ( i ) ( I ). They have not been reporting inaccurate information.

Under Section 4021 of the CARES Act amends the FCRA to address how furnishers report accounts subject to an accommodation. They have been reporting inaccurate information. Under the CARES ACT : If the credit obligation or account was current before the accommodation, during the accommodation the furnisher must continue to report the credit obligation or account as current.

If the credit obligation or account was delinquent before the accommodation, during the accommodation the furnisher can not advance the delinquent status. They have been reporting inaccurate information, and have not followed the law Also, whenever the credit bureaus and furnishers provide information on a consumer, they have the obligations related to the accuracy and integrity of the information they furnish under the FCRA and Regulation V. The credit bureaus have failed and they have been reporting inaccurate information.

To ensure compliance with these obligations, if furnishers are reporting information to consumer reporting agencies about a credit obligation or account that is current, they should consider ALL of the trade line information they furnish that reflects a consumers status as well as the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Commonwealth Financial Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is about an ambulance service provided which I did not order, was not for me, was not at my residence. I have NEVER received any paperwork regarding this, no invoice or billing for services. This has been turned over to a collection agency that will not provide me any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: Bread Financial Holdings, Inc.
State: TX
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 have now submitted all necessary documents including new evidence via mail and now electronically here in connection to Identity Theft on this account reporting on my credit file. I have been professionally advised by my legal team that given this new evidence of the crime this is in blatant violation of FCRA law specifically section 605B of the FCRA. I have hired a private investigative team and legal counsel and have been supplied us with new evidence regarding this crime including fraudulent addresses and suspect information that I have since updated on official legal documents in connection to this crime, including updated FTC Identity Theft report. Please note that I've had to have new GOV Identification issued due to the compromised identity and have been advised professional that due to the crime I have legal binding rights to pursue this to the fullest extent possible. Additionally, I'm awaiting further action and evidence to pursue this as long as needed until rectified. The time, damages and monetary loss are being added up and will be all added in connection to this crime. Please update your records and stop reporting inaccurate information about a credit file that is not mine. 

I'm requesting that the following fraudulent items in connection to Identity Theft are removed immediately from my credit file pending further legal action : FRAUDULENT | IDENTITY THEFT | REMOVE FROM CREDIT FILE : 1. ADS/COMENITY/XXXX  VISA | COMENITY CAPITAL | XXXX XXXX Balance : {$4200.00} 2. Fraudulent address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX 3. Fraudulent address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX XXXX XXXX Balance : {$66.00} XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$680.00} XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-03
Company: OneMain Finance Corporation
State: NC
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:
One Main continues to call and harrass me. Fraudulent access to my credit file. 
never requested a loan. several inquiries on my credit report. spoke with XXXX. and XXXX. l

Company response to consumer: Closed with explanation