BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-01
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: ENCORE CAPITAL GROUP INC.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was severely harassed by Midland funding. 

I have set up several payment arrangements over 1 year ago and midland funding keeps voiding the payments. In 2018 midland funding accepted 1 payment each for 2 accounts. Midland funding then decided to void a valid payment arrangement without notifying me first. 

I was contacted unlawfully on my cell number by midland funding. My cell number which is private, meaning ( i never gave this number out to anyone ) and or if I did have to give a call back number I would of had instructions not save the number. 
Its unknown how midland funding obtained my cell number? 
Midland funding said their agency looked up my number through a government database? 
Midland funding hung up every time even though midland funding was cold calling contacting me. I told them to stop calling! Midland funding leaves strange voicemails to contact XXXX XXXX. 
I went online again and set up another payment arrangement on the 2 accounts in question. I was offered a payment arrangement online for 2 accounts. I set up again ( like I did in 2018 ) 2 payment arrangements with midland funding for 2 different accounts. After I set up the payment arrangements online I called the debt collector to inform this debt collector I had set up a arrangement with midland funding online for the 2 debts. I had also instructed Midland funding and or its collectors to stop contacting me! After I told the collector the monthly amount I had set up online, he ( the collector ) threatened me with legal action if I did not come up with XXXX to pay him. I told him I was not paying him XXXX. 
He preceded to threaten me and said I would be sued. He said the arrangement would not be valid unless I paid him XXXX. I had to talk to over 4 people that day. 
This incident above happened last week. 
Today I went online to view the account information and now it says I have I have no account information. 
They have now voided my payment arrangement again?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14
Company: JPMORGAN CHASE & CO.
State: AL
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, has violated my 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 angency can not furnish a account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
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: Information belongs to someone else

Complaint:
I am a victim of identity theft

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 2022-04-11
Company: CREDIT ACCEPTANCE CORPORATION
State: AR
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:
Credit acceptance has reported inaccurate information on my credit report for several years. All of the information that has been provided by them has been incorrect and different across the big 3. According to the FCRA 623 ( a ) it is a violation to report incorrect information to my credit profile. I have sent several dispute letters, and I have also asked to be shown the method of verification for this account. Credit acceptance has still not sent over the information to me. I am requesting for this account to be permanently removed from my 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 2020-03-25
Company: JPMORGAN CHASE & CO.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Chase I did not ask you to update anything I asked you to delete the two trade due to XXXX XXXX you refuse to do it and claim that XXXX XXXX removed it can you send me the actual proof of work done in XXXX XXXX remove the dispute box because I have every credit report eating back from last year only thing I need from you is the mark the date in the year of the XXXX XXXX so-called remove the mark remarks there was never any remarks on my credit report and that would put you in violation and I do want to let you know Ive already reached out to the Minnesota Attorney Generals office about your arm organization Im not sure if you and your XXXX XXXX  will get it or your legal team will but our regarding your last response via the CFPB website portal I will be forwarding that information to the Minnesota states attorney office And my last dispute the bill the XXXX website also with each creditor you claim that you will not be investigating because when I send you factual basis proof that the account is not reporting correctly oh update no you need to delete the  accounts immediately both of them I ask you will be sued for {$1000.00} per and I repeat per credit bureau if you dont believe me try me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
Account : XXXX XXXX XXXX Amount : {$420.00} Account Date : XX/XX/2022 Please remove all names other than " XXXX XXXX XXXX '' and remove all previous addresses. 

15U.S.C 1681 section 602 A. states I have the right to privacy.

15U.S.C 1681 section 604A. section : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 168s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any other consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant XXXX and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2020-03-25
Company: ONEMAIN FINANCE CORPORATION
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/XXXX, I received a call from XXXX at One Main Financial offering a pre-approval in the amount {$1900.00}. She obtain information and had me unlock my credit report. Then scheduled me to come in at XXXX XXXX  to close. When I arrived at the office, she stated that she forgot to send something for verification and advise that I was pre-approved for {$15000.00} which would pay off my existing loan first. Ask if I wanted that amount and agree to the monthly payments of approximately {$600.00}. I agreed, and she came back to say she was just waiting for a verification then she would schedule me again to close. At XXXX XXXX  she called and scheduled me to come back at XXXX XXXX   to close. After waiting 30 minutes, the manager stated that underwriting is requesting a XXXX copy of my social security card because of the credit alert on my credit report. She advised that underwriting was closed so she would have to call me tomorrow. On XX/XX/XXXX XXXX advised that they would only accept a color copy of my social security. On XX/XX/XXXX, I submitted a request to XXXX via email asking that they accept my W2, IRS PIN letter, and passport to confirm my identity. I also submitted a complaint to their customer service line. On XX/XX/XXXX, XXXX finally called me back and stated that they agreed to accept those items. On XX/XX/XXXX, XXXX called to state that they were unable to proceed with the application because they were unable to verify my income. I submitted my most recent pay stub, and my XXXX W2. They did not request any additional items. Income verification is the easiest part of this process. I could have provided bank statement and given them by HR company contact information. She refuse to provide any additional information and stated that I would receive a letter. This feels like discrimination. It was my understanding that they simply need to verify my identity because of the credit alert. BTW ... They required none of this for the original loan, and my credit alert was on my account then as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Experian Information Solutions 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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S| Code 1681e ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-04-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance 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 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$5000.00} XXXX CARD XXXX Date Opened XX/XX/XXXX Balance {$3200.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX  XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
Please provide me the documentation on how you verify that I am late for these accounts

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 2020-03-25
Company: Experian Information Solutions Inc.
State: AR
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 found out my identity had been compromised because my wallet was stolen from the movie theater. I didn't take the proper measures afterward. I just got a duplicate driver 's license and a copy of my social security. Several years later I'm receiving letters after letters of several unpaid accounts that I have never open. I then started to investigate and pulled my credit to check what all had been open. There are way too many fraudulent accounts open that I am near familiar with. These accounts are not mine. Please remove them. 

XXXX XXXX  XXXX {$2000.00} XXXX XXXX  XXXX {$420.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$1800.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$3200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I was going over my credit report I noticed that there are addresses that are not mine showing. I would like the following addresses deleted.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate. The following addresses and the variation on my name are not accurate. My name is XXXX XXXX XXXX, please delete all other variations. AS WELL AS Reoccurring Vehicles that continue reflect on my credit report associated with this address XXXX XXXX XXXX I HAVE NEVER OWNED A XXXX. XXXX, XXXX XXXX XXXX  XXXX WI XXXX I am no longer affiliated with these addresses. I would like to have my credit report to reflect true up to date that is accurate my current address XXXX XXXX XXXX , XXXX XXXX, OH XXXX I AM XXXX XXXX AS 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 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 have made several attempts to get Transunion to investigate several inaccuracies that have not be verified with proof on my consumer report. After the last disputes I made Transunion finally deleted only 3 accounts from my consumer report. I will like further investigation to be done for all disputed items and I will also like remedy in the amount of $ XXXX deleted from report on XXXX due to emotional, mental, and financial hardships this inaccurate reporting has caused 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 2023-04-04
Company: Wilber and Associates, P.C.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On Thursday XX/XX/XXXX I received a call from XXXX XXXX XXXX XXXX and said they were collecting a debt for an accident I was in in XXXX. I advised her I was not in an accident in XXXX, to which she said I was. I again said, I was not in an accident in XXXX. She said, yes you were, I have the police report right here in front of me. I asked, you have a police report from XXXX of this year and she said, oh, I mean XXXX. She was SO VERY RUDE AND NASTY. She said she was collecting XXXX for injuries not paid for. The conversation was lengthy and I told her they would just have to take me to court, and she said, they don't do that, they'll suspend my license, take away my driving privileges and more. I called my insurance and was told by the adjuster that handled my claim that there were no injuries on this claim, the claim had been closed for over 2 years and to notify them if I received another call from this company. After much research, I found that I am not the only one this has happened to. Yesterday, XX/XX/XXXX, I received a letter of the same. What I did find out was that I could file a complaint. This is abuse, fraud and a fear tactic that unfortunately works. I have to tell you that I was horrified and terrified. I contacted an attorney and it put me in a place of extreme fear.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have an account with XXXX XXXX XXXX and I mailed a check with bill pay back in XX/XX/XXXX. Somone other then the intended payee cashed the check mobile deposit with BMO Harris bank and the account number it was cashed to was listed on the check. My bank filed a fraudulent claim in XX/XX/XXXX and they are still waiting on this to be resolved in XX/XX/XXXX and I have not received my money back for the forgery of the check.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
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:
Experian and XXXX are reporting incorrectly a late payment for XX/XX/2019 on the XXXX - partial account number XXXX ( please see page 4 of the attached credit report. ) We were going to try to start automatic bill pay however the first time we tried to use the bill pay the payment didnt take go through that first month so we went back to manually paying this bill. I thought for sure that the original payment would have gone through in time however it did not. We got worried and paid it again. By this time it was too late and we were reported late in XX/XX/2019. This inaccurate reporting is harming my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation