BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-17
Company: EQUIFAX, INC.
State: AZ
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:
My vehicle loan with XXXX XXXX XXXX was in default and the finance company took the steps to remedy this default by repossessing the vehicle. Once the vehicle was repossessed, I was sent a figure about what was owed to pay off the vehicle. 

Approximately a month later in XXXX of 2018 I received a check for approximately {$2100.00} dollars as surplus from the vehicle being sold and paid off and the amount of {$16000.00} was removed from my credit report for this debt. 
During my attempts to cash said checks, it was advised through my financial institution that a stop payment had been issued onto the check. I called to confirm what had happened and was advised that there was an error in sending the check and in fact the vehicle had been sold but due to an internal error the check shouldn't have been sent out. 

My credit score monitoring apps showed that my car had been paid off and the balance was no longer reporting on that debt. Then this week, after no calls, letters, or any indication, my credit scored dropped 30+ points right when i was working on a pre-approval letter for the purchase of a home. 

So now, I have a score that is vastly reduced, a debt that was satisfied through the sale of the repossessed vehicle, and a current derogatory payment on my credit file for something I had no idea existed. I would like the entire item post XX/XX/2018 removed from my consumer credit report due to numerous errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
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. 

XXXXXXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/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 explanation
Consumer complaint received 2023-02-18
Company: NCB Management Services Inc.
State: NJ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
This company called me repeatedly and threatened me with arrest and jail. Put negative reports on my credit for collection. Ruined my XXXX XXXX. Needs to be removed from my XXXX report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all XXXX credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : Account Name : [ XXXX ] Account Number : [ XXXX ] Reason : [ NEED INFORMATION REMOVED FROM MY PROFILE IM TRYING TO BUY A HOME SOON AND THIS DONT LOOK RIGHT. ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

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 2021-09-28
Company: Berlin-Wheeler, Inc. (Kansas)
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. I didn't authorize this company to have my information nor, did I authorize this account. This account was placed on my credit from a fraudulent account that I didn't authorize and I demand that it's removed.

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 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

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 2021-09-28
Company: First Federal Credit Control, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 a validation of debt letter was sent to First Federal Credit Control XXXX. I asked to send any and all information they had that would prove i owed a debt with them. Which would show the date each debt was established, a breakdown of all fees and some type of agreement between us saying that i owe each debt and i agreed to pay. They sent out a few pages with a company name of hospital but no real validation. They failed to show any documentation with a breakdown of the alleged debt that is owed. What i mean by breakdown can be example : Physical on inserted date amount owed {$50.00}. I do not Validate their " proof '' of validation and since i am the consumer i am the only one who can say if the debt is valid I'm saying this debt is NOT valid. In the amount of {$300.00}, {$110.00}, {$210.00}, {$99.00}, {$77.00}, {$100.00}, {$100.00}, {$160.00}, {$160.00}, {$110.00}, {$200.00}, {$140.00}, {$69.00}, {$96.00}, {$72.00}, and {$210.00}. I am unable to upload documentation but upon request i can email or fax my letter of validation and their response of proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 don't understand why the bureau keeps telling me to send the same documentation that I have already sent to them numerous times. Once again, I am a victim of identity theft and again I have attached the FTC for XXXX XXXX XXXX XXXX, My identification and a copy of my social security card

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: TX
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:
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.

Account Name : XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2023-05-22
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATION/XXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX and DEPT OF EDUCATIONXXXX 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 2023-05-26
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: Their investigation did not fix an error on your report

Complaint:
I want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXXXXXX. Please correct and update.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: Chime Financial Inc
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2021, I received a debit card ( XXXX  ) from Chime in the mail. It has my name written on the back of the card and was sent to my name and address, but I did not open account and have never opened an account with Chime. Accordingly, on the same day, I called the customer service number listed on the card ( after verifying the phone number online ). I was directed twice by customer service ( once via automated service and another time by a live agent ) to email the company to 1 ) let them know about the incident ; 2 ) ask that the account be closed ( or at least locked until the matter is resolved ) ; and 3 ) a fraud investigation be opened. I did so, and received a response both times to email Chime from the email address associated with the account or send a copy of my driver 's license AND SSN ( last 4 digits ) via email for further resolution. I do not have an email address associated with the account because I did not open it, and I do not believe it is safe to send more personal information ( DL and SSN ) when I am calling about fraud/identity theft in the first place. After a third call, I was told I would be contacted about the matter within 24 hours for further resolution. I have yet to hear from them and have no confidence that the account will be closed and a fraud investigation opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
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: Investigation took more than 30 days

Complaint:
I filed a complaint and asked that the negative items on my report be removed due to enormous amounts of inaccuracy 's and the fact that upon writing the courts to ask why they would have verified incorrect information about a bankruptcy they told me that thats not possible because they dont ever verify any information and there fore they are getting wrong information from a third party and are not sharing the way it was verified thats whats wrong with using information from a third party and

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 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2021-09-28
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:
The first date of nonpayment on this account was in XX/XX/XXXX. As of writing this it is XX/XX/XXXX. The original creditor was XXXX. The account was then sold to XXXX XXXX  who was the second creditor. XXXX XXXX then sold the account to XXXX XXXXXXXX XXXX  who is now the third creditor. The account is a collection and is now in the hands of a third creditor who is strictly a debt collector. The account is reported as " Open '' which is inaccurate and should be updated to " closed '' or removed immediately. There is no credit being extended by XXXX XXXXXXXX XXXX nor was any extended by XXXX XXXX. There is no active loan and no payments are being made and there has been no settlement made. At this time the account is inactive and should be listed as " closed '' yet there is a collection for {$1200.00} on my credit report listed as an " open '' account. 

I contacted XXXX XXXX, and equifax regarding this matter and asked them to change the account to " closed ''. They have stated that they are in FCRA compliance. I do not believe this to be compliant. The account is certainly inactive and closed. 

Is this FCRA compliant? If so why is the account not closed and when is an account in collections considered closed? If this is not FCRA compliant can you please compel XXXX XXXX and equifax to remove this account or update it to " closed ''. 

Additionally the original creditor is listed as " XXXX XXXX ''. They are not the original creditor. The original creditor is " XXXX  ''. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have filed a dispute with XXXX, XXXX and transunion. I am unable to review my transunion report on XXXX XXXX XXXX I will be attaching copies of disputes submitted through certified mail and my attached FTC affidavit to dispute fraudulent or inaccurate reporting to my credit report. 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 non-monetary relief
Consumer complaint received 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are fraudulent unauthorized inquirie. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX As stated, in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

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 2020-07-05
Company: Alorica Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
IN XXXX XXXX  SOLD MY XXXX BILL TO SEVERAL COLLECTION AGENCIES AND ALL ARE STILL REPORTING ON MY XXXX, ALL THESE ACCOUNT ARE TIME BARRED AND SOL EXPIRED.SINCE THEN XXXX HAS PUT A FEEZE ON MY FILES AND WON ; T REMOVE UNTIAL YOU SEND THEM A LETTER.

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 2022-12-29
Company: ERC
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 disputed a debt with Enhanced Recovery Company for XXXX XXXX XXXX due to collection being past state of Mississippi statute of limitations for debt collection. 

I did not enter into a contract with them and they could not provide proof via the original signed contract agreement. 

Secondly they're engaging in illegal reporting practices. 

The original date of reporting was XX/XX/XXXX. The account was deleted from my report then added to my report and others again with a new date reporting XX/XX/XXXX. 

In Mississippi, Contracts, oral or written, and Promissory Notes have a statute of limitations of 3 years ( XXXX XXXX, XXXX, and XXXX ). 

XXXX Accounts or credit card agreements have a statute of limitations of 3 years from the date at which time the items on the account became due and payable ( XXXX XXXX & XXXX XXXX ).

Company response to consumer: Closed with explanation