BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I can not count how many day weeks months years I have been trying to work with all three credit reporting agencies to fix the inaccuracies on my report and remove the accounts from my report that are not mine. Is as if all three reporting agencies are intentionally putting me into homeless status. Every other week they create more inaccuracies onto my report. I spend XXXX XXXX days getting them to fix a bunch of inaccuracies such as unknown accounts, wrong social security numbers, late payments with improper dates, unknown inquiries, these are just a few examples of what I've been working on to have removed and before I can even get that set of derogatory removed I get another batch added exhibits are attached to this complaint. When matching up total dept with the XXXX credit reporting agencies on the first page none of the total debts from either of the XXXX agencies match or are correct, then on the next page they all have different totals from what they report on the first page. I have negative accounts that I do not recognize on all three accounts. I have hard inquiries that I do not recognize with all three agencies. I have late payments with dates that I do not recognize, again this has completely crippled my ability to utilize my credit and it is hurting me and hurting me bad! It's been going on for quite a while. I have asked formcredit reports over and over never getting them. Same with current credit scores. What do I need to do these agencies are making money on using my personal data and at the same time for over a year now at a time I need to have my report true and accurate they continue to do the wrong things. My rights are completely being ignored!

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 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Reporting a bankruptcy without providing any proof only keep saying it has been verified when I dispute. VERIFIED BY WHO BECAUSE courts dont verify or give the company any information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23
Company: EQUIFAX, INC.
State: CA
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 sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX Balance : {$14000.00} ; XXXX XXXX  XXXX XXXX : {$1400.00} ; XXXX XXXX XXXX XXXX : {$670.00} ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-16
Company: Resurgent Capital Services L.P.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested documentation, showing providing proof of this claim over several months ago and received not response, also this was removed from my credit and recently place back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: TMX Finance LLC
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I borrowed a total of {$4000.00} in the Covid pandemic due to financial hardship and poor credit and had just lost my job. I was taken advantage by TitleMax Title Loan in XXXX TN they gave me this loan after luring me in not making me aware of the 330 % interest rate on this loan over 12-36 months the payment alone was over {$500.00} a month on this loan I fell behind even worse and couldn't make the payments and defaulted on the loan they never made any contact with me or attempted to help me with arrangements or any kind of relief to due to the hardship caused by covid pandemic. Then on XX/XX/2022 I was harassed and stalked by a repo man who was waiting outside my apartment complex and followed me everywhere I went and I went into the store and he was waiting for me at the door broadcasting my name and my business and that he was repossessing my car and he already had it hooked up on the truck without warning or anything he told me they have been stalking and harassing my family members and all known addresses even stalking my credit report and post office to get my address to repo my car I called them and they were smart and rude and weren't willing to help me or work with me said they wanted {$5700.00} to get my car back now or they would sell it now I have lost my job again fixing to be evicted and have no car to find another job to be able to pay my bills and live. I would like to be included in any and all class action lawsuits against them for luring people in with these outrageous interest rates and for damages I have incurred do to this matter and for taking my car for no reason and without warning or attempts of any kind to fix this matter before this happened they are crooks and should be in jail for the way they cheat and scan people in this recession.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: TN
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of inquiries which do not belong to me or were opened without my permission : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-09-26
Company: Experian Information Solutions Inc.
State: VA
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:
I'm XXXX XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXX  XXXX XXXX Balance : {$130.00} XXXX  XXXX XXXX Balance : {$480.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$550.00} XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXX - XXXX XXXX XXXX Balance : {$1800.00} XXXX  XXXX Balance : {$0.00}

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 2021-03-15
Company: LoanCare, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
We entered a COVID related forebearance beginning XX/XX/XXXX. There had never been a late payment prior to the COVID related forebearance. We sold the house and paid off the loan in XXXX, XXXX. Following that date, my credit report now shows a serious delinquency related to missed payments on this loan. 
I was told a forebearance would not negatively impact credit as long as there had been no late payments prior to starting.

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 2023-10-23
Company: Resurgent Capital Services L.P.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXXLVNV Funding LLC is emailing to attempt to collect a debt that is too old to be collected. They don't have any information on the account other than my name and email and 4 digits of the account. Additionally, they are acknowledging that they are not allowed to collect on this debt, but they are trying anyway. 

XXXX XXXXXXXX Account number XXXX Email states " The law limits how long you can be sued on a debt. Because of the age of your debt LVNV Funding LLC can not sue you for it, and LVNV Funding LLC can not report it to any credit agency. '' This was originally an account with XXXX XXXXXXXX XXXX XXXXXXXX. account number ending in XXXX. 

The current creditor is LVNV Funding LLC with an account number ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

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 XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Credit reporting 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 HAS VIOLATED MY RIGHTS. 15 USC 1681, Section 602A, states I have the right to privacy. 15 USC 1681, Section 602A, states I have the right to privacy. 15 USC 1681 SECTION 602 A STATES I HAVE RIGHT TO PRIVACY. 15 USC 1681, SECTION 604 1 STATE : I HAVE THE RIGHT TO PRIVACY 15 USC 1681, SECTION 604A, SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FRURNISH AN ACCOUNT WITHOUT WRITTEN INSTRUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Professional Debt Mediation, Inc.
State: CT
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a follow up complaint to case submitted on XX/XX/2023. I submitted a complaint about this debt collector who purchased an illegal debt. I would like this matter further investigated as this debt is a false debt they are trying to collect. This matter was in court proceedings and their lawyer submitted a Dispositive ( Complete ) Withdrawal on XX/XX/2023 that states The Plaintiff 's action is WITHDRAWN AS TO ALL DEFENDANTS without costs to any party. Yet, they are making claims I owe for something in which I was not living nor residing in this unit during the times they are claiming. I am resubmitting proof that their attorney as agree I do not owe this debt. Please review attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My business was closed in XXXX. A former secretary had a business card in my name. Without my knowledge or permission she continued to use this card for her personal use until XXXX, XXXX. 

I did not know this card was opened, because a new card was opened in approximately XXXX. I thought the old card, opened in XXXX, was this new card. She had been using the old card and it continued to exist without my knowledge since approximately XXXX. 

This former employee also conducted business in my name, including operating bank accounts in my name. She forged my signature repeatedly on state of alabama bar complaints to avoid detection. In XXXX, this was discovered and bar complaints were resolved. 

But, this one card, and one bank account went undetected. it was recently discovered and the initial contesting of the charges was initiated in XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have been a customer of MARCUS.com ( Marcus Goldman Sachs ) since XX/XX/XXXX. 
About 6 months ago I opened a new cd and a saving account and made a deposit of $ XXXX, one day in XX/XX/XXXX, I tried to access my online account and found out it was being locked and there were no email notifications or any signs before they decided to lock my account. 
Since that, I tried to call them numerous times and try to solve the issue but the first time I called their rep told me the house number was the only number that their internal system identified. Very soon I noticed she was lying, I have always used my cell phone as the primary number whenever I forgot the password their system would automatically send me the passcode to my cell phone. I told her I have never set my house number as the primary, and I asked her about where on the website had that setting and she said it was their internal system that identifies the house number, not the cell phone number. I then was promised that someone will be in contact with me no later than 48 hours to verify and provide the passcode. 2 days passed I did not get a single call from them, I then made several follow-up calls about this, and every time I was promised the same things and I still never got the call then I continued making several calls until someone finally said I can send them the notarized documents to prove my identity so I did it then I called again to follow up and make sure they got my documents. They told me they have received the documents and they are currently in the queue for review. I was told to call them back in 3-5 days to follow up on the status. It has been over 3 weeks, I have made a total of 6 calls at different times and I was always been told the same lies. Until today, MARCUS still locks my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Army and Air Force Exchange Service
State: WI
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I was sent an unsolicited credit card and purchases were made on the card without my knowledge ( authorization ).

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 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXXXXXX XXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$4300.00} XXXX XXXX Balance : {$2700.00} 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 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to revalidate these items. It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Please reinvestigate the unverifiable items below : XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX : {$17000.00}, US DEPT ED XXXX XXXX XXXX {$9100.00}

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 non-monetary relief
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX XXXX XXXX {$1600.00} opened up fraudulently on 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 2023-08-30
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT XXXX XXXX  data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA XXXX XXXX XXXX COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not.

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