BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-01
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 information incorrect

Complaint:
XXXX is the name of the company that my auto loan is through ; after contacting the company with questions about my contract, I realized that they are a collections agency. My original loan amount was reported in XX/XX/2022 and by XX/XX/2022, even though I have paid on time every month, my loan amount has INCREASED rather than decreased. 

This is being reported to the credit bureaus and lowering my credit score. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 checked my credit report and saw a medical collection appearing and this clearly a violation of 15 U.S. Code 1681a ( 3 ). There is a restriction on sharing of medical information. Here is the account appearing 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 2023-01-18
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:
The named company has violated my rights by improperly furnishing collection without my written consent. The law states that I have the right to privacy and no credit or collections company can not my personal information without my written consent, this account MUST BE REMOVED IMMEDIATELY. this account was also FRAUDULANTLY OPENED AND WAS PREVIOUSLY REMOVED, IT CAN NOT BE RELISTED AND I DIDNT APPROVE OF THIS. 

XXXX # XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
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:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
Company: Resurgent Capital Services L.P.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I am asking to be removed from my credit report, because they received my personal information fraudulently. The received it from a company that was supposed to protect my privacy. I would like them to provide the XXXX signed documents, I must sign before my personal information could be shared. This information can be found under U. S. Code 15 Commence and Trade 6801.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of unauthorized items which do not belong to me or were opened without my permission. 

TRANSUNION XXXX : XXXX XXXX XXXX Original XXXX XXXX XXXX XXXX XXXX ) Balance Owed : {$1300.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) Balance Owed : {$1300.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX : XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX  ) Balance Owed : {$1300.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/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 non-monetary relief
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$6700.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2023-03-16
Company: CCS Financial Services, Inc.
State: OR
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:
I noticed a while ago that a collection appeared on my credit report for the amount of XXXX. It is listed as " Credit Collection Services ''. It indicates the original creditor is " The general ins company ''. And it indicates the account was opened on XXXX. I moved to Oregon in XX/XX/XXXX and bought XXXX insurance shortly after due to my insurance company being unable to keep me insured due to a ticket. My insurance that indicated they couldn't keep me in was XXXX. Prior to that, I had XXXX for years ( Since at least XXXX ). I actually was involved in a lawsuit that clearly was with XXXX in XXXX following an accident, which I was not at fault for. I am including documents that I found via my email showing my XXXX policy as early as XXXX and my last email from the XXXX which was in XXXX. This means this debt is falsely reporting to my credit that I owe them for a debt that was created in XXXX, and it is past the statute of limitations per WA law which indicates any written contract 6 years is the statute of limitations. However, insurance companies bill on a monthly basis. I simply changed insurance policies and chose not to continue with them, therefore, I will not for insurance I was not actively using and did not pay which resulted in a lapse- not a balance.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: ENCORE CAPITAL GROUP INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I am asking to be removed from my credit report, because they received my personal information fraudulently. The received it from a company that was supposed to protect my privacy. I would like them to provide the 3 signed documents, I must sign before my personal information could be shared. This information can be found under U. S. Code 15 Commence and Trade 6801.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This complaint is about this noted Company having a reputation as being an easy target for Identity thieves. I have been experiencing identity theft since XXXX, XXXX due to a Data Breach by XXXXt XXXX XXXX XXXX . XXXX XXXX  XXXX has my Case. Loans, Credit Cards, etc. were taken out in my name as these thieves had my personal info. due to this Data Breach. All Companies have been easy to work with, except for this company. I had well over 20 fraudulent inquiries on my Credit File. This company wants me to do all the work for something they allowed. This is not a XXXXustomer Oriented Company, and I would not recommend the financial services of this Company to anyone. 
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 explanation
Consumer complaint received 2022-06-01
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: Reporting company used your report improperly

Complaint:
in accordance with the fair credit reporting act XXXX XXXX XXXXXXXX XXXX inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. violated my rights 15 U.S.C 1681 section 602 A.states I have right to privacy. 15 U.S.C 1681 section 604 A sectin 2 It also states a consumer reporting agency can not finish a ccount without my 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 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I sent letters to the bureaux and creditor about one month ago and there's no response.

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 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and updated for erroneous reporting in my file are listed on my credit report : 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 2022-06-01
Company: Credit Control, LLC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received two bills from two companies that I never did any business with. 

XX/XX/XXXX amount {$620.00} XX/XX/XXXX amount {$810.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: EQUIFAX, 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 Convergent AccountsXX/XX/XXXXXXXX XX/XX/XXXX # XXXX has violated my rights. 

XX/XX/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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: American Credit Acceptance, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have a problem with the auto and loan company I paid taxes title and registration fee but the the dealer never paid state of Texas or did paper work to transfer title and get license plates for the vehicle they filed for bankruptcy and I was stuck with a car loan with unfinished paperwork couldnt use the car because of no plates for months went with no answer just informed loan company that payments will be put on hold until we resolve the matter almost a year later I finally help them get a bonded title and shortly after they repossessed the car saying I owe them almost a year of payments and late fees

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 monetary relief
Consumer complaint received 2023-08-28
Company: Informative Research
State: AL
Product: Credit reporting 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:
Over the pass almost 2 years, I have contacted XXXX about fraudulent credit checks on my credit report. Each time I summitted a dispute on line they come back the net day and say the inquiries will stay on my credit for 2 years. I did not apply for any mortgage but XXXX is in so many words saying I did apply for a loan from these Mortgage companies. 
I have a freeze and a block on my credit reports all 3 of them and they have been there for about 8 years but still XXXX allowed these companies to check my credit. I have sent mail over the pass 2 years and they sent back by e-mail saying they will stay on my report for 2 years. I have also sent several letters to XXXX about this but I never got any response back from them, it's like they threw the letters away. I also sent form 605B and no response from them. I don't understand why they are doing this. They don't care about anyone 's credit being exposed. They are allowing companies to check my credit without my permission. I also ask them by mail if I could put a statement on my credit report but to no avail. They said I had to write to them so I did but they did not response back to me about this. They are just allowing anyone or company to check my credit. What good a is a freeze and a block on my credit when they are allowing companies to check my credit. This is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX, Bank of America took {$250.00} from my credit card account for something called Credit Balance Refund Debit. 

The {$250.00} was at that specific time was a part of a credit card payment and more bills were coming in so that {$250.00} was basically XXXX  out my credit card balance. 

In the past 6 months and 5 days ( as of this writing ), I have reached out 6x to Bank of America in order to get this resolved but to no avail. 

I have spoken to various customer service representatives to either get the money back by check, into a checking account, or back onto the credit card ( as we use the card daily ). 

I drew a line with customer service on XX/XX/XXXX, when I wanted to speak to a manager whose name is XXXX and after he did not do anything, I spoke to another manager named XXXX, XXXX. 

They allegedly sent me a check for the amount of {$250.00} which I never received. 

Since I never cashed a check that I did not receive in the first place, they allegedly send the money to the state of Florida and callously told me to go to XXXX XXXX XXXX to search for my money. 

Despite my calling them 6x times in the past 6 months to claim my money, they still allegedly sent the money to the state of Florida. 

I contacted https : //www.fltreasurehunt.gov/ ( where the money allegedly went ) and called the number they gave me XXXX XXXX XXXX and they have NO record of any money in my name to be claimed. 

Called back Bank of America to get something called UPID and some sort of proof that the money was sent, and they could not provide me with any proof or confirmation whatsoever that the money was sent to the state of Florida. 

Bank of America just stole my money.

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 monetary relief
Consumer complaint received 2022-06-01
Company: SUNRISE CREDIT SERVICES, INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sunrise credit agency has sent me documents stating that my deceased aunt owed them money, has sent letters ( that do not explain who they are collecting on behalf of ) to her last known mailing address and spoken with me as of today, after explaining who I am ( without giving any personal information ) they said they can not discuss the matter with me ( I then stated how they illegally obtained my phone number, they said it wasn't illegal and that my phone number was " just there '' ). I advised them to send documentation to her last making address with details/proof of the agency they are collecting on behalf of, getting them to confirm that by law they are required to do so. Then they hung up on me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: GOLDMAN SACHS BANK USA
State: NY
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:
My credit card account was originally with XXXX ( XXXX XXXX ) XXXX XXXX. Then Goldman Sachs took them over. 
I had a {$14.00} balance on the account. On XX/XX/2022, I attempted to pay off the balance. I made a phone payment and the agent said that they payment had been received. On XX/XX/XXXX, I got an email saying the the payment had NOT been received. 
On XX/XX/XXXX, I attempted again to make the payment, with the same result : The agent told me that the payment had bee received but a few days later, on XX/XX/XXXX, I got an email saying the payment had NOT gone through. 
Now I am being charged overdue fines because in Goldman 's eyes, I did not make the payment. I have spoken with their customer service department a couple of times and during one of theses conversations, the agent told me that they could not waive the late fees, and that somebody would call me about it. However, I live overseas, so getting through to me can be a bit of a challenge, so perhaps they DID try to reach me and couldn't get through ; I acknowledge that that is a possibility. 
In my last conversation with an agent ( Wednesday, XX/XX/XXXX ), they told me that they would try to dispute the late fees ( which is kind of odd, since this is an intra-agency dispute ) and that it would take time, so much time that ANOTHER late payment fee would probably be added in the meantime. I asked how much of a payment I would need to make to avoid this and was given a figure of at least {$80.00} ( I don't remember the precise number ). I told the agent that I didn't think this was fair at all, and that I thought Goldman was engaging in predatory practices, and that I would NOT pay.

Company response to consumer: Closed with monetary relief