BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 am reaching out to you today because I feel that TransUnion, XXXX, and XXXX  have violated the Fair Credit Reporting Act. I have been sending letters to the credit bureaus because I feel that I have someone elses information reporting on my credit report. I would have check more options if I was allowed to when I filled out this complaint form, The investigations did not resolve my issue, and then the credit bureaus stopped investigating my accounts. 
In XX/XX/2020, I was denied credit because due to a Chapter XXXX Bankruptcy. I thought this was odd, so I request a copy of my credit reports. Not only was a bankruptcy reporting, but several accounts that I have never seen before were on my credit report. There were even addresses listed under my profile for places that I have never lived at. 
It was recommended to me to contact the credit bureaus by mail, so I started to send letters to the credit bureaus. I started to make progress with the credit bureaus but then suddenly, they stopped responding to me. It is my understanding that the credit bureaus have 30 days to respond to my request. It has been well over 60 days and I have not received any responses. 
Since my rights have been violated under the Fair Credit Reporting Act, I ask that my credit reports are updated to reflect information that only belongs to me. Please see the attachments that show the accounts in question.

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 2023-06-12
Company: HYUNDAI CAPITAL AMERICA
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: Account information incorrect

Complaint:
In accordance with the fair credit reporting act Kia Motor Financial account. Account # XXXX, had 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 agency can not furnish an account without my written instructions.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I HAVE CALLED REPORTING COMPANIES MULTIPLE TIMES REGARDING THIS AND THEY THINGS WILL BE COMPLETE WITHIN 24-48 HOURS BUT INQUIRES ARE STILL THERE

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 2021-03-21
Company: Simon's Agency, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have two negative collections accounts on my credit report from Simons Agency Inc. One in the amount of {$520.00} and another for {$690.00}, both said to have been from XX/XX/XXXX. I sent a request to Simons Agency Inc to validate this alleged debt through certified mail on XX/XX/XXXX. It is now XX/XX/XXXX and I have not heard from the collection agency or received and form of validation for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
there is an escrow overage amount in my mortgage account that is {$4500.00}. Chase supposedly mailed it out to me the check in an escrow statement back on XX/XX/XXXX. I dont get statements so the XXXX there didnt think to check that I get paperless statements. They still couldnt figure it out 10 days later. I figured it out when I went to my statement settings. XX/XX/XXXX they re-issued another statement supposedly mailing it to me. I have never received it. And I checked tonight and they credited that check back to my account again. Ive never received my money. No one responds to my inquiries. Theyre keeping my money which is my money. And theyre not applying my mortgage payments correctly. I paid the regular payment and they only applied the new adjusted monthly amount which is {$200.00} less. They have not applied my extra {$200.00}. They have not responded to me. They are stealing my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
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:
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. 

XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  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 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 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 2023-03-21
Company: RS Clark and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, The debt collector failed to verify the debt in writing to me. also using the suite process they have contacted me and left voice mails. Debt collectors cant call or contact you until they verify the debt in writing to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: EQUIFAX, 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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: DISCOVER BANK
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:
Hello My name is XXXX XXXX XXXX, I am a victim of Identity Theft, I was part of the XXXX XXXX, My name, social, drivers license, emails, phone and XXXX bank account was breached, the XXXX XXXX XXXX also stated mail forwarding was in place to several abandoned buildings. 

I went to the XXXX XXXX and filed a report with a Detective. I will attach everything to this email. The XXXX XXXX XXXX has confirmed with me the breach and has deleted the fraudulent accounts. 

XXXX and XXXX XXXX are battling for me against Discover and XXXX XXXX Both companies come back as " verified '' even though I have proof I was a victim of identity fraud. 

The 3 accounts with XXXX listed below and 2 accounts with XXXX XXXX listed below are hurting myself ad my family to obtain credit and is causing a great hardship. 

These 2 accounts need to be deleted and stop being reported to XXXX XXXX : 1 ) XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

XXXX ) Discover Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

These three accounts are being reported too XXXX  : 1 ) XXXX  XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

2 ) XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

3 ) Discover Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

Thank You XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-18
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX XXXX # XXXX is reporting a balance that I do not owe. I have already paid this off. I should not have a balance on this account nor should it be reporting to my credit. I have paid this and it should not be reporting.

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 2023-07-18
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Comenity Bank refuses to take responsibility for cashing check payment almost three month after paying outstanding balance in full. 
Check # XXXX for XXXX was send on XX/XX/XXXX, but didn't cash it till XX/XX/XXXX. 
Comenity Bank unjustly vollected late fees & interest and ruined my low XXXX credit rating I demand a copy XXXXfront & back ) of check # XXXX Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I got a notice from XXXX XXXX today about an adverse report added to XXXX When I checked it, it is from XXXX XXXX XXXX XXXX for a debt of {$620.00} owed to 5/3 Bank. I have never had a credit card through then, and closed my checking/savings with them about 10 years ago. Neither 5/3 or XXXX XXXX XXXX XXXX has ever contacted me by phone or letter. Under contact for the company only has their name and no phone number or address to reach out to. I googled them and several different XXXX XXXX XXXX XXXX companies come up, but I have no idea which one to contact

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: CREDIT BUREAU ASSOCIATES-NORTHEAST, 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: Information belongs to someone else

Complaint:
This complaint submission is in regards to a false credit report by CREDIT BUREAU ASSOCIATES -NORTHEAST INC ( XXXX XXXX XXXX XXXX XXXX , MA XXXX ). I have made attempts to rectify this matter with them directly as they have now been unresponsive. I spoke with two different representatives one particularly named XXXX XXXX who was extremely rude and stated I am responsible for this debt then hung up the phone. I then spoke with another representative who gave me the fax number so I could forward them a Debt Of Validation letter, which was sent on XX/XX/2019. It was confirmed through my fax machine that the Supervisor had received the files ; however, after 30 days of notifying them, still no response. I specifically asked for proof of debt and anything in signature or judgment by law stating I was obligated to pay them the total of ( {$790.00} ). Prior before sending the letter, the representative stated they have mailed me several notices to my home address. The actual letter came from the alleged original creditor which was sent to a random address I have never been associated with. The original balance on that letter states {$520.00}. CREDIT BUREAU ASSOCIATES -NORTHEAST INC stated I owed them {$790.00} with {$260.00} in collection fees. I have never made any agreement with them nor the original creditor to pay anything nor was I properly notified of this false reported debt. I am requesting CREDIT BUREAU ASSOCIATES -NORTHEAST INC immediately remove me from their systems and update all 3 major Credit Bureaus ( XXXX   , XXXX, & XXXX  ) on this action. At this point they have failed to provide any competent evidence or any legal obligation. CREDIT BUREAU ASSOCIATES -NORTHEAST INC is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g, and if this report is not updated immediately I will be taking legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: TMX Finance LLC
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
XXXX of XXXX I believe I got a title loan from title max paying until I lost my job spoke with them and try to get a title 5 .You must speak with dm so I called left several messages at least three times a week got a new job and try to lower my payments still know help.hot my income tax paid all that I owe.while still trying to get a title 5 .they never heard of it they took my car.and wrote me saying they sold it and I owe about XXXXalso I got another car went to XXXX and try to turn in plate on get it on new car XXXX of XXXX and they stated title max did not sale this car yet so I got new plates

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is 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 non-monetary relief
Consumer complaint received 2019-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX was never my credit consolidation student loan servicer. I never selected XXXX. I only asked questions about XXXX. XXXX was my selected loan servicer. However XXXX, started reporting as if I selected them and I never did. XXXX never billed me but never removed reporting on my credit report, now I have duplicate closed accounts because XXXX reported my account as closed which is not accurate. I merely made an inquiry about their services, I never asked them to be my servicer. They had no right to start reporting on me and then have to close my accounts. Closed accounts have a negative impact on my credit score. XXXX should be completely removed from all my credit reports. They agreed to do it but never did remove themselves from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
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'm sending you this complaint to let you know that I was a victim of identity theft. I did some research on how to get rid of the bogus stuff in my report and discovered that I needed to make a report with the Federal Trade Commission by going to https : //www.ftc.gov. Credit reporting agencies are required to erase or block any things reported on an identity theft report under FCRA section 605b. Please refer to the ATTACHED materials to help stop false information from being put to my report. 

This is a list of things that don't belong to me or that weren't opened with my consent. 
XXXX XXXX XXXX XXXX XXXXXXXX IL XXXX ; CXXXX XXXX XXXX XXXXXXXX Balance Owed : {$6800.00} ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$630.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 2021-11-23
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, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau from XX/XX/XXXX to the present, and I have not received any response up to this date. On the other hand, the inaccuracies about my account are continuously reported on my XXXX Credit Report. That means Equifax failed to comply with the Fair Credit Reporting Act law which states that the XXXX should provide to the client 's requests. Here is the concerned account : XXXX XXXX $ XXXX Opened : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Notice, it is a fact, XXXX  is aware pursuant to 15 U.S. Code 1681c-2 ( a ), if I, the consumer, provides a consumer reporting agency, such as, Experian, XXXX and XXXX, with appropriate proof of the identity, a copy of an identity theft report, and a statement by I, the consumer stating the information in connection with the below listed accounts is not relating to any transaction by myself, Experian, XXXX and XXXX is required to place a block on my consumer report on the information associated with the accounts listed above. This information would not be blocked in error, if I feel there is misrepresentation or there was any possession of goods, services, or money obtained please send me a statement signed under the penalty of perjury with evidence of this counterclaim. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2018-12-12
Company: AMERICAN EXPRESS COMPANY
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:
American Express opened a business card for one of my businesses ( XXXX XXXX XXXX ), and waived the personal grantor clauses. This statement was repeated to me on ever phone call. Currently, they have listed the debt on my personal credit. The business is incorporated, it has an XXXX, and a XXXX  XXXX  XXXX account.

Company response to consumer: Closed with explanation