BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX has Failed to show many any proof. Who conducted the Investigation? XXXX XXXX BANK Is being incorrectly reported on my XXXX 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
Consumer complaint received 2019-11-12
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
THE DISPUTED BANKRUPTCY HAS BEEN DISMISSED AND NEEDS TO BE REMOVED OFF MY CREDIT REPORT. IT HAS BEEN CAUSING TREMENDOUS HARM TO MY CREDIT FILE AND HAS BEEN REPORTING WITHOUT MY KNOWLEDGE. PLEASE HAVE THIS ACCOUNT REMOVE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act XXXX  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.

15 U.S.C 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose therefore kindly maintain the accuracy and correct it as paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. 

The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

USAA FEDERAL SAVINGS B XXXX Balance {$5800.00} ;

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
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 submitted a letter to the XXXX Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-10-19
Company: American Credit Acceptance, LLC
State: TX
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:
AMERICAN CREDIT ACCEPTANCE has committed FDCPA violations, Aggravated Identity theft and TCPA violations against me, the consumer. 
AGGREVATED IDENTITY THEFT : ACA created an account using private non public information of the consumer without a legally binding contract between the consumer and ACA or proof of contract between ACA and the original creditor. That's also a violation of the Privacy Act of 1974. Per ACA 's response on a previous CFPB complaint ( complaint id # XXXX ) dated XX/XX/XXXX, it was stated that ACA alleged " The contract was transferred to ACA on XX/XX/XXXX. '' My XXXX XXXX credit file dated XX/XX/XXXX shows ACA checked my credit 5 times on two separate dates starting on XX/XX/XXXX under false and misleading permissible purpose for a credit application. I have never applied for credit or completed a credit application with ACA and would like to be provided a copy if they can produce it. 
TCPA and FDCPA VIOLATIONS : XX/XX/XXXX I sent a letter to ACA to cease and desist attempting to collect a debt until they validate. I have a returned receipt from XXXX that shows it was received by ACA on XX/XX/XXXX. Since then, I received 8 calls violating the TCPA and the FDCPA codes 15 USC 1692d ( 5 ), 15 USC 1692c ( a ) 1, 15 USC 1692c ( c ). A letter dated XX/XX/XXXX from ACA 's chief servicing officer XXXX XXXX, further violating my cease and desist ( 15 USC 1692c ( c ) ) by not providing validation in that letter, also violated 15 USC 1692d ( 2 ) alleging a debt was owed and need to paid, 15 USC 1692e ( 4 ) threatening to seize vehicle, and 15 USC 1692e ( 8 ) threatened to defame the consumer by reporting this fraud to the consumer reporting agencies. 
Validation was never received. ACA just sent the account back to the original creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am submitting this CFPB Complaint to follow up the inquiry dispute process. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604. Again, this action was initiated without any proof from any of the companies reporting. These inquiries are not factual since I never authorized them. The FCRA requires Credit bureaus to follow up and investigate, if possible please REMOVE the inquiries in question. I never authorized such action and this constitutes a violation of my rights to privacy. Please contact the listed inquiries and investigate such occurrence or remove immediately for non-compliance. Under the laws of the FCRA, the Credit Bureaus are required by the FCRA to follow up with the creditor. Please see the list of the Inquiries below : *XXXX* OFF LEASE ONLY XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-09
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
On XX/XX/2018 I received an email from my employer stating at letter that was received by their office on XX/XX/2018 claiming it was a second attempt to initiate a garnishment of my wages and if not done would sue the XXXX that I was employed by, after speaking with my HR department no first attempt was received by their office and they were garnishing 15 % of my disposable income each paycheck to avoid being sued, when I contacted XXXX XXXX and the number on the form they first tried to pass it off on someone else and then after 2 hours being transferred to 3 different people all of this while I was at my place of employment there was nothing to be done, except loose 5 payments to come out every other week of 15 % with them  then submitting a signed document which I have still to this day not received have called with no answer to how to have this corrected, I am a single mom that depends completely on my income as well as XXXX children who depend on this income, one of  which is on long term medication and has multiple medical conditions that can cost me a lot of money. I am willing to pay but would like to be discussed and a plan set up not threaten my employer and send a notification like the one they sent that has no balance of owed amount of any alternative to pay, my HR person stated this letter looked very different from others that their office had received for other employees. My concern is when I try to track this said information about my loans and where they are housed to set up arrangements nothing is to be found at the XXXXXXXX XXXX XXXX or NAVIENT! Please I need help in getting this taken care of immediately

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 2021-11-15
Company: Thaxton Investment Corporation
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
It has come to my attention QuickCredit is not licensed to do business in the State of Oregon where I reside and continues to do business here. Therefore, in accordance with ORS 725.045 my loan agreement with them is void and needs to be removed from my credit report immediately. 

QuickCredit knowing and willingly broke the law in an attempt to get me trapped in to a loan with an interest rate so high that it is also illegal in my state under ORS 725.340. 

The harassment over this unlawful loan was unbearable to say the least. Calling me repeatedly and interrupting me at my place of work, at my church, during dinner, and every other minute of the day. Then the threatening emails flooding my inbox just added to a level of stress I already couldn't cope with was pure insanity, but that wasn't even the worst of it. 

This company called so many times that I had no choice, but to keep my phone on silent or possibly lose my job which caused me to miss a phone call and miss the birth of someone very important to me. She wasn't even able to leave a voicemail because it was full of all their missed calls. This is something that I will ever have the opportunity to experience again. 

I have attempted to notify them via email multiple times, but they refuse to respond. While skimming through my spam email folder today I discovered an email from a collection company by the name of XXXX XXXX XXXX, XXXX who claims to have been given my account from another company by the name of XXXX XXXX XXXX both of which I have not had any contact with. 

I replied to the from XXXX XXXX XXXX, XXXX notifying them of the unlawful actions of the company and that my agreement with them was legally void. I also typed out a letter with the same notice to them that will be in the mail tomorrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: Experian Information Solutions Inc.
State: AL
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:
In XXXX and XXXX of 2021 I filed a dispute with Experian, XXXX  and XXXX  credit bureau about the inaccurate reporting of accounts on my credit profile XXXX XXXX and XXXX XXXX!. In these 2 months I have not received a notice in over 45 days and show that My dispute is even being investigated. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today which is a non-compliance of the FCRA. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
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:
XXXX XXXX XXXX XXXX XXXXt XXXX XXXX XXXX  XXXX, TX XXXX XXXX : XXXX DOB XX/XX/1980 Equifax XXXX. XXXX XXXX, GA XXXX To Whom It May Concern, Under 15 U.S. Code 1681b-Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with written instructions of the consumer to whom it relates. 
I, XXXX XXXX, never gave EQUIFAX any written consent to report anything on my consumer report. 
No consent is Identity Theft. A copy of the law is attached with this dispute letter. 
Concerning the accounts listed below as a consumer Im demanding deletion of these accounts. 
XXXX -- -- -- -- -- Account Number XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- Account Number XXXX XXXX XXXX XXXX -- -- -- -- -- Account Number XXXX XXXX XXXX -- -- -- -- -- -- -Account XXXX XXXX XXXX  -- -- -- -- -Account Number XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- Account Number XXXX XXXX XXXX -- -- -- Account Number XXXX XXXX -- -- -- -- -- -- -Account Number XXXX XXXX XXXX -- -- -- -- -- -- -Account NumberXXXX XXXX XXXX -- -- -- -- -Account Number XXXX XXXX XXXX -- -- -- -Account NumberXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Experian Information Solutions 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 voluntarily closed my XXXX account but it has failed to report my account as Closed By Consumer to every CRA, especially XXXX. Moreover, I attach a XX/XX/2023 XXXX screenshot of an account information change notice stating that Between XXXX. XXXX, XXXX  and XX/XX/2023, the account number was changed on this account. My account number was not changed. Please investigate and correct or delete the inaccurate account number change and the continued false reporting my closed account as open.

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 2022-10-19
Company: MicroBilt / PRBC (formerly CL Verify)
State: MI
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:
MicroBilt has violated my federally protected rights under the FCRA. MicroBilt infringed upon my rights to privacy violating 15 USC 1681. MicroBilt did not have permissible purpose to furnish my non public information violating 15 USC 1681b. Microbilt also reported inaccurate, false, misleading, unverifiable information causing me denials and failing to report maximum accuracy as required by Congress. Due to your inaccurate and illegal reporting, I was denied for credit for information you infringed upon that is non public information. Microbilt employees/agents is using my consumer report with XXXX means to coerce and swindle me into paying there business partners violating code 18 USC 894 and assume criminally liable and can be fined up to 20 years in jail. You are now on Notice to Cease Communication from me from all mediums including my consumer report.. Failure to Comply will result in legal Matters in Federal Court with a jury trial for all damages sustained from your reckless 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 2018-09-14
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, I ordered a XXXX that was estimated to be $ XXXX. After using the XXXX the total nearly triple the cost at {$190.00}. This was flagged as fraud by Huntingtons Bank and when I called the bank they stated that it was fraud and would issued a new card. 

The amount was charged again for {$190.00} on XX/XX/XXXX that again was flagged as fraud by Huntington Bank. When I called this time they stated it should not have been fraud last time but instead a disburse. Huntington Bank issued paperwork that I did not receive until several weeks at which point the time window was too limited to respond to. I went to Huntington Bank and they reopened the dispute with XXXX in which I completed the necessary paperwork for them. Huntington stated that I was not able to show the estimated amount and that the charge would stay. 

I am being given an impossible task of showing an estimation that XXXX only provides when ordering the ride and not at the end. I offered Huntington Bank the receipt of a coworker that took a similar route and had the correct charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received an offer from Sam 's club pre-approved open a master card account and receive {$55.00} off your first purchase of {$55.00} or more on this order. My order was {$60.00} my account was approved. It had to be completed on line and I did that. 
I met all of the qualifications> I applied - approved i ordered - on line after approval II spent- on line {$55.00} Where is my {$55.00} credit

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 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 like to request the removal of multiple unlawful hard credit inquires from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 


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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16
Company: Experian Information Solutions Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

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 XXXX XXXX XXXX XXXX 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 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