BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I hope this letter finds you well. I am writing to express my gratitude for your prompt attention to my previous inquiry regarding the late payments on my accounts. I am pleased to acknowledge that the late payment entries have been corrected, and I want to thank you for your diligence in resolving this matter. Your swift action in rectifying the reporting errors is greatly appreciated. I understand the importance of accurate credit reporting, and I am relieved that my credit history now reflects the correct information. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX  a customer service representative . Once again, thank you for your prompt and effective resolution of this matter. I appreciate your professionalism and commitment to customer satisfaction.

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 2023-08-17
Company: EQUIFAX, INC.
State: NJ
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 federally protected rights as a consumer has been violated by the reporting of late payments to the following accounts XXXX  XXXX : XXXX XXXX  XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX according to usc1666 ( a ) Time to make payments 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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

I was never informed by mail or phone call about this and thus reporting a late payment on my credit report is unconstitutional and a violation of my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-04
Company: General Motors Financial Company, Inc.
State: SC
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 contacting you because I am dealing with multiple accounts on my report that are showing up due to fraudulent activity. I have multiple names on my report that are not mine. I recently looked at my credit report and noticed multiple accounts on my report that were not opened by me, there are many medical collection accounts which I have never finance any of my medical costs. I am also seeing accounts from banks that Ive never opened an account with or gotten a loan from or even a credit card. I do not know how these items are showing on my report, I believe some one could have my information and is using it to open these accounts. It could also be some one elses accounts showing on my report. I really need this to be resolved as I am looking to buy a house soon and these items are depicting my score incorrectly as I have never been late on any of my bills. Please let me know if you require anymore information or have any questions. 

ITEMS ON MY REPORT THAT ARE NOT MINE : XXXX, XXXX, XX/XX/XXXX, BALANCE {$11000.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$26000.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$0.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$280.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$28.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$29.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$17.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$32.00} RESOLVE XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$19000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
State: IL
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 had a prior case open through the CFPB and in the resolution, Equifax stated that the inquiry would stay on my record for XXXX years ( hard inquiry ). This inquiry was a fraudulent hard check on my credit and I am requesting again for it to be taken off. I understand that soft inquiries happen due to credit card promos but this is different. I checked the portal and it still says, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX '' on my hard inquiries. Please help me take this off my credit line. When I click dispute it doesn't pull anything up!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Accounts : ED/XXXX  # XXXX, ED/XXXX # XXXX, ED/XXXX  XXXX, ED/XXXX  XXXX, ED/XXXX  XXXX, ED/XXXX  XXXX has violate 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 an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26
Company: Revenue Recovery Corporation
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
My medical information was shared with a 3rd party collection agency and sold which in all goes against HIPPA rules.

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 2022-11-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I want to report a fraud of an unauthorized transaction that was sent from my bank account {$300.00} were sent from my account to a company who turned out to be a scam taking only XXXX payments as a way to keep the money they will not refund the money or give it back despite it being a mistake. After realizing this I contacted my bank who said they cant do anything despite me telling them that someone send money from my account without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: CITIBANK, N.A.
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX XXXX I opened a Citi Gold checking account with Citibank with an offer stating I would receive XXXX XXXX ( worth approx. {$500.00} ) after meeting certain criteria. The criteria 's were XXXX ) making {$1000.00} in debit card purchases and XXXX ) making XXXX bill payments in 2 consecutive months, in accordance with promo code XXXX. On XXXX XXXX XXXX I called Citibank to make an initial deposit to fund my newly opened checking account. During that call the Citi Representative confirmed that I was enrolled and qualified for the promotion as long as the requirements stated above were met for receiving the XXXX miles. Then on XXXX XXXX, XXXX I called to activate my new card and confirmed the promotion details and that it was rightfully attached to my account, making me eligible as per the offer presented to me originally. I followed that call by another call around the end of XXXX to confirm {$1000.00} in spending was met, where the Citi Representative again reassured me the promotion I had signed up my account with made me eligible for XXXX miles upon completing the required criteria and it would be credited in a couple of billing cycles after the cycle in which they were met. Once I had met all of those criteria ( by XXXX of XXXX ). I called again in and confirmed with a Citi Representative that I had met the criteria, and was told to expect the XXXX XXXX XXXX XXXX to be deposited into my account by the end of XXXX XXXX. On XXXX XXXX, I called again to update my contact and address information, and during that call I again inquired about the status of my promotion bonus, the Citi Representative reviewed my account and confirmed that I had met all the requirements and to expect the bonus by end of XXXX XXXX. 
Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the points would be deposited at the end of XXXX, Citi has pulled a bait and switch. They are now suddenly stating I am not eligible for the XXXX promotion. This is despite multiple conversations and reassurance and confirmations from Citi Representative over the course of 6 months. This is not right and I 've been lied to all this while. 
I am asking that Citibank uphold its promise and rightfully award me the bonus points that I deserve. It is not right and outright cheating that they do n't have to uphold their end of promises or pull such bait and switch strategy and get away with it.

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 2023-08-17
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I, XXXX XXXX XXXX, am verifying that I am XXXX XXXX XXXX mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-13
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Pentagon Federal Credit Union has a publicly posted policy that in branch withdrawals of {$2000.00} or more require 24 hours notice. I gave the branch located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX notice on XX/XX/2023 at XXXX notice I need to withdraw more than {$2000.00} from my checking account. It is now 72 hours later and I have been unable to withdraw funds my checking account. There is no direct phone number for the branch or branch manger. Unfortunately, the branch is a 35 mile drive one way so I am not easily able to just go talk in person. I have called the publicly posted phone number, XXXX, multiple times with representatives telling me they will contact the branch manager. The first name of the manger is XXXX, I have not been given his last name. I have been told three times over the past two days that XXXX the branch manager will contact me directly to discuss my request. My deposited funds are being held hostage and the bank is not following their policy. I am unable to make a purchase I need because the bank will not release funds.

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 2023-08-17
Company: EQUIFAX, INC.
State: HI
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX SC, XXXX XX/XX/1985 Last 4 of SSN : XXXX XXXX XXXX To Whom It May Concern, On XXXX XXXX, I wrote to you requesting an investigation into items that I believed were ( INNACCURATE, OUTDATED OR OBSOLETE ). To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

Since this is my ( SECOND, THIRD, FOURTH, ETC ) ) request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 

Please see my reasons for dispute below : I have sent proof that there is a substantial amount of errors on my credit file varying from ; XXXX, TransUnion, and XXXX. I have done so more than once. My credit reports still reads errors, which goes against the FCRA. 
( FCRA states all items reported by a furnisher must be 100 % ), and you still refuse to remove those accounts. Every piece of information I provided was/is enough for items to be removed. I attached an updated report that shows that after the first investigation, even when the credit reporters said their investigation was completed, they did not update any information and my report still reads the same thing. 

I also understand that you are required to notify me of your investigation results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. 


Sincerely, 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 2022-10-25
Company: EQUIFAX, 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I found out through my credit report that Im in collections for a debt I previously reported as not mines in XX/XX/XXXX from XXXX  XXXX  it was removed from my credit report. Now it seems Enhanced Recovery Co L  has started to report this on my credit report on XX/XX/XXXX as I stated earlier I didnt have an account with XXXX cell phone carrier so I dont know why they are steady trying to get money from me for a service I didnt have. I also want to know what cell phone carrier let 's a bill reach to {$5300.00} before cutting it off that seems like a shady business practice. I want this derogatory remark removed from my report ASAP. I also called and reported to XXXX in XXXX of XXXX that I received an alert about my social security number being used in Colorado for phone services ( I live in XXXX ) the person I talked to told me someone tried to get phone service but was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Convergent Resources, Inc.
State: VA
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:
12 USC 1813 PLEASE REMOVE ALL ACCOUNTS ON MY REPORTS OR CREDIT FILE AND CHANGE TO PAID IN FULL AND RETURN ANY FUNDS DUE BACK TO ME.

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 2023-10-13
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This debt servicer has been violating my privacy and alleging a debt is owed. 

But I have no agreements with them or the debt collector, or the alleged original creditor. 

I do not recognize this debt. They are violating my privacy, and using harassment sending multiple emails and letters to me after I requested they stop all communication. 

I am requesting complete debt validation along with a written request for information under Truth in Lending Act. 

They have 30 days to respond from today. Delivery in this Consumer Finance Complaint portal confirms their receipt of this request from the federally and state protected consumer. 

The attached screenshots show what information and documents were requested to validate the creation of this alleged debt, its sale, and assignment, and any agreements to support that. 

I believe LVNV Funding is misrepresenting themselves as another company to attempt to collect their own debt and make it seem like a third party is collecting because the email on their licensing page says resurgent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 deeply concerned to discover public records on my credit report that I was unaware of. This is not acceptable. I urge you to remove these records and ensure my credit report is updated 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 non-monetary relief
Consumer complaint received 2022-11-12
Company: Experian Information Solutions Inc.
State: GA
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:
There are unauthorized businesses 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
Consumer complaint received 2018-07-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I didn't know which way to turn but for years on my credit report there is a Texas address that I have never lived. 

I would like to know how to get that off my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief