BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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, and I am a consumer submitting this complaint on the behalf of myself without the influence of any XXXX  party being involved. XXXX is furnishing tradelines on my consumer credit file that is a result of XXXX  identity theft 18 usc 1028a. My personal identifying information has been improperly used to furnish negative accounts on my consumer report that violates both together and separately my consumer and privacy rights. FTC report # XXXX and improper accounts being used to furnished negative items on my consumer report without my written consent or authorization by you XXXX XXXX, TransUnion, XXXX and XXXX did not open this account nor authorize any one to open said accounts on my behalf. You are also reporting inaccurate, erroneous and fraudulent accounts, fraudulent hard inquiries, incorrect names, addresses, phone numbers, and employment information that doesn't belong to me or wasn't any transaction made by me without lawful authority, my written consent or authorization. 
Per the FCRA any account resulting from aggravated identity theft is to be blocked within XXXX  days of receipt of notice as outlined under 15 USC 1681c-2. Please cease the reporting of this tradeline on my consumer credit file. 
Please see attached FTC report number XXXX for reference. See attached docs as it this document counts as my statement, copy of my ID including my current address, the identifying information of the fraudulent inquiries, and a copy of a bill evidencing my address. With respect to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. not later than XXXX business days after the date of receipt by such agency of- XXXX ). appropriate proof of the identity of the consumer : XXXX ). a copy of an identity theft report ; ( Report # XXXX ) XXXX the identification of such information by the consumer ; and XXXX ). statement by the consumer that the information is not transactions made by the consumer. 

P.S. This written statement classifies as the statement required under the FCRA/FDCPA when reporting fraud.

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 2021-02-19
Company: Resurgent Capital Services L.P.
State: FL
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:
On XXXX XXXX, XXXX, LVNV FUNDING LLC XXXX Opened XX/XX/XXXX XXXX add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA LVNV FUNDING LLC has violated my rights as a consumer and I requesting legal action Please remove collection from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I submitted a letter on XX/XX/XXXX regarding unknown and inaccurate information on my credit report. As of this date XX/XX/XXXX, which is more than 60 days later, I still have not received any response. I am under the impression my disputes are being ignored and/or disregarded ; and feel as if I am being taken advantage of. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the XXXX  data breach whichmay have gotten into the hands of unauthorized individuals.

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 2021-02-15
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am an authorized user on a Credit Card issued by " Chase bank '' I disputed an effort on my credit report. I disputed the fact that the credit card limit changed. I disputed this because it affected my credit but not my husband 's. 

Now XXXX XXXX has removed the entire account. Dropping my score by 174 points. I am about to close on a house but I'll lose.my home if I don't get this fixed. 

Chase is refusing to contact XXXX and XXXX  is refusing to contact chase. XXXX  says it can be fixed if chase will contact them. Chase says it's permanent. 

I'm not sure how this is in compliance with the Fair Credit Report Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: EQUIFAX, INC.
State: CA
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:
n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Source : XXXX Company : XXXX Address : XXXX XXXX XXXX, XXXX, IN XXXX Business Type : XXXX Balance : {$18000.00} Source : Equifax Company : XXXX Address : XXXX XXXX XXXX, XXXX, MD XXXX Phone : ( XXXX ) XXXX Balance : {$18000.00} However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they aren't even in compliance with metro

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I had recently went through a divorce in which took on all of the debt and was falling behind on funds. So I recieved a spam email about Global Client Solutions and how they could help with negotiating with XXXX XXXX and XXXX. I was intrigued by what they claimed they can do so I replied to the email and a " Case Manager '' called me back. She told me that I could pay off my debt in just a few payments and I wanted the debt taken off quickly bc I was really going no where with XXXX XXXX, so I negotiated a {$530.00} +/- {$10.00} per month. So 4 months into the terms I called to verify how much funds were in the " Savings Account. '' And she told me {$800.00} and some change. I thought it was odd that I had paid over 2k and only {$800.00} was in the account, well I made 2 more payments, and called after my 6th payment to  them and when they told me {$600.00} I felt defeated. I paid over {$3100.00} and only have {$600.00} to show for it. I am so broke right now, was looking for help and these people scammed me out of money that could have paid off my debt. I am -negative {$700.00} right now in my bank account, morgage and car notes are over due, and I have been scammed by this company. I'm writing because I cant be the only person who has complained about this and I need some help. I initially had 2 credit card debts that they handled, but ended up negotiating with them on the 4th month bc I was scared of XXXX taking me to court for $ XXXX. Do you know that I have almost paid the debt off by negotiating with XXXX on a bottom cost and payment plan. I was delt some pretty crummy cards and was looking for a financial relief company for help and this company practically robbed me out of the little money I had.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items 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 items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-02-08
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I called Experian to take off wrong address which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX due to identity theft and they refuse to remove inaccurate information according to the fair credit reporting laws ensure that bureaus report only 100 % accurate credit information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: HYUNDAI CAPITAL AMERICA
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Usually when an account is 90 days late it's your car will be considered for repossession. 

My account is NOT 90 days late and my BALANCE OWED is less than {$1000.00}. 

Hyundai Finance has locked my account so that I will not be able to make any payments and once my account is considered 90 days past due, they can repossess and make more money by charging fees to obtain the vehicle back.

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 2023-08-21
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: ATG Credit, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive been receiving different Collections notices Attached to XXXX XXXX XXXX XXXX  from Different collection Agencies that represents this company.. Neither Collection agency has Verified that I owed the Debt. The first collection reached out was Dynamic recovery solutions who Never answered my Complaint with the CFPB regarding this matter and now XXXX XXXX XXXX XXXX has sent this Fraudulent debt to ATG Credit , LLC I guess when they had no luck with XXXX XXXX XXXX. Ive sent Validation letters and police reports on this account and XXXX XXXX XXXX keeps circulating the fraudulent debt around with knowledge its Fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: EQUIFAX, INC.
State: FL
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 The Information Listed below Which is on my Credit Does not relate to any Transaction That I have made This is the result of Identity theft. Please Block These Accounts From My credit Report Pursuant to the Section 605B of the fair Credit Reporting Act and send The Required Notifications to all furnisher of this information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
In XXXX, I learned that I had an unpaid electric bill to XXXX XXXX  XXXX XXXX. The bill of about {$35.00} was from a previous residence, where the company sent the bill after I had moved out. Therefore, I never realized that I had been billed. 

XXXX XXXX XXXX had my phone number, but did not call me. Instead, they turned me in to a collections agency, which called me. Within a few days of receiving notice, I paid the bill in full. But this is still showing up as a missed payment on my credit report. I feel that I was not appropriately notified. Of course there was no intent here on my part not to pay this bill. Now this will have a significant impact on my ability to get a mortgage. 

Please help me to get my credit back in order. This was really just a minor and honest miscommunication.

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 2023-01-21
Company: Bread Financial Holdings, Inc.
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2022 -Wile at a self check out register at Bjs, my transaction was stopped and a clerk came over. She wanted me to open a credit card that the screen prompted me to do as well. I put my information in and was approved, wile reading the terms and conditions, I did not agree with the interest rate and was reaching to hit No when the BJs employee reached over and hit accept. It automatically opened and charged a new account I did not agree to open. They could not do anything about it to reverse it and said to call the bank, they admitted wrong doing but told me to bad so sad. I had no intention of ever agreeing to this card to be opened and did not accept the terms and conditions. I called the bank, comedity and they did an investigation and found no wrong doing but closed the account without my concent and then sent me a bill, they keep sending me a bill and it has now negatively affected my credit. I have also tried to dispute it with a credit bureau, who has been no help. My credit has now dropped XXXX points, and I have nowhere else to turn.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-28
Company: M&T BANK CORPORATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I bought a house in XXXX and my lender was XXXX XXXXXXXX XXXX up until XX/XX/XXXX when M & T Bank bought my loan and my new lender changed to M & T Bank ( something I had no say in the matter ). 
I've always carried up to date home and flood insurance policies with XXXX XXXXXXXX XXXX, with no issues, with sufficient coverage. 

The new lender, M & T Bank, notified me that my flood insurance policy was insufficient. ( My flood policy wasn't due for renewal until XXXX XXXX, it was up to date, paid in full, with no lapse or anything, and XXXX XXXXXXXX XXXX never had an issue with the amount of coverage I had ). 
Well M & T Bank forced place a lender policy of {$420.00} to cover the time period of when they took over my loan ( XX/XX/XXXX ) until my renewal XXXX XXXX XXXX because they are saying I did not carry adequate amount of coverage from when they took over the loan. 

So now, as a consumer, I am being punished with this steep charge for something that was completely out of my control- my loan being taken over by another bank, and in the middle of my policy period that was ALREADY written and paid for in full, and in effect. And they are charging me because the amount I am carrying in the middle of policy does not satisfy THEIR requirements. I do not find this just or fair at all. For my renewal period XXXX XXXX XXXX XXXX XXXX I did increase to satisfy their requirements, but I should not be penalized for those last 3 months of my policy period when they took over my loan as I had NO idea I did not carry adequate coverage as XXXX XXXXXXXX XXXX  never had a problem with it and I had already paid for this policy and was almost up to my renewal anyway. 

I've spoken to several M & T Bank representatives and they all told me misinformation and conflicting things. Some M & T Bank representatives told me I was fine, and they removed the lender placed insurance, and then I find out, that no, I am not fine they've placed another one. I've spent countless hours trying to resolve the issue, going back and forth my with my agent, and with M & T Bank, but I am going in circles. Their personnel and training is clearly lacking and is very convoluted. This bank is very unprofessional, confusing, and even to speak to a representative you have to wait 10 minutes before you can even have the option to speak with with a representative. They really make it difficult and confusing for their customers. It has been a nightmare, an awful experience with this bank.

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 2023-08-05
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief