BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-03
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: Reporting company used your report improperly

Complaint:
In accordance with fair credit reporting act. The list of accounts below has value my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account names : XXXX XXXX XXXX XXXX account number : XXXXXXXX XXXX XXXX account number XXXXXXXX XXXX XXXX Account numberXXXX XXXX. Account number XXXX. XXXX XXXX XXXXXXXX. XXXX Account number : XXXX XXXX XXXX account numberXXXX XXXX XXXX account number XXXX . Has violating my rights. 15 U.S.C 1681! Section 602 A states I have the right to privacy .15 U.S.C 1681605 A section 2 : it also states a consumer report, and she can not furnish 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, 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 report agency if the person knows or has reasonable call to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06
Company: Revco Management, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was told owed money to a hospital but was not informed why I owed this money. They state the debt has been owed since XX/XX/2021 but I need to know what debt they are referring to because I am unaware of any debt that is over a year old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13
Company: Diverse Funding Associates LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
DNF Associates, LLC, is debt collector, who filed a lawsuit against me on XX/XX/2023, I first found out about this lawsuit and Default Judgement on XX/XX/2023 after searching court records. DNF Associates, LLC has never communicated with me about this debt. I never received from DNF Associates LLC, who is a debt collector a validation notice, that is required by law, that would state the amount of the debt, that I could dispute the debt and who the original creditor was of this debt pursuant to 1692g of the FDCPA. I was never served with a complaint and summons, and have no idea what this matter is about. DNF Associates LLC obviously used false service, as this matter is not in the same district that I live.

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 2018-02-16
Company: CREDIT ACCEPTANCE CORPORATION
State: NV
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:
THE ACCOUNT IS NOT SHOWING ALL PERTINENT INFORMATION ON " CLOSED DATE '' AND " LIMIT '' .THE ACCOUNT IS SHOWING INACCURATE " LATE PAY '' DATES.

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 2021-07-04
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The loans are private loans and they have reached the statute of limitations but they a reporting on their web portal as though i still owe it but i don't. attached to this message you will see a document were the first default date is XX/XX/XXXX which means that the statute of limitations is XX/XX/XXXX. which means i don't owe this debt anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
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: Information belongs to someone else

Complaint:
This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-02-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021, I logged into my Chase business account in attempt to pay my credit card bill. I received an error saying that it was not possible to pay from the business account, so I called the help line for assistance. The helpline informed me that the bank had frozen my account, and it will be closed soon. When I asked why it was frozen, the answer simply was, " We no longer wish to do business with you ''. Further inquiry on when it will be closed gave no definite answer, nor did I get a response on why I did not get any official notification on freezing or closing of the account. I was simply told, " You will get notification soon ''. 

Today is XX/XX/2021. In these few days, I have reached out to Chase secure messaging center, XXXX, and received a call from a Chase representative who had all told me the same thing - my account is under review. To this date, I have not received ANY official notification on my account freeze or the closing of my account. And there is no response on when this will be closed. 

There is a total of about $ XXXX in the account that is currently frozen. I informed the representatives that I have bills to pay, I have a small business to run. The answer simply was, " Sorry for the inconvenience ''. 

I was not informed of any order against my account, and was further able to open a new bank account with a new bank with no issues. I always maintain a high balance, do not have any overdrafts on the account, no debt, and pay my bills timely. Therefore, I do not believe I myself or my business has any legal implications that I am aware of. 

I require access to my funds immediately, my business needs to those funds to be operational, and a bank should not be allowed to freeze or close accounts without valid reason, or at least a timeline of when I can expect to have access to those funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07
Company: U.S. BANCORP
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have for the second time within a year responded to a solicitation from US Bank that I received via U.S. mail implying that I am preapproved for a second State Farm / US Bank credit card, the State Farm / US Bank Good Neighbor credit card. I submitted a complaint to you on or about XXXX XX/XX/XXXX regarding this same solicitation. Because my financial situation has only improved since I was denied the credit card last XXXX, I again applied for the credit card only to again be turned down even after asking for reconsideration based upon the fact that I am only utilizing XXXX percent of my total available credit lines from all the credit card accounts that I have maintained perfectly. My debt-to-income ratio is low by any standards looked at. My home is almost paid for and is valued at almost {$300000.00} though I only have {$30000.00} left to pay on the mortgage. I just received a XXXX percent XXXX increase on my government-backed income bringing it to {$95000.00} per year. I could liquify my assets and pay off all my debt this week should I so choose, but because, except for the XXXX percent I am paying on my mortgage, I am not paying any lender any interest at present so why should I pay off the balances owed my credit card companies ahead of time? Therefore US Bank should reconsider its position and XXXX me the credit card it solicited me to apply for repeatedly last year.

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 2023-11-20
Company: Experian Information Solutions 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:
they sent me a stall letter saying i am using a third party credit company to fix my credit and they will not move on with my 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 explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions 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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-08-12
Company: Experian Information Solutions 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:
I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause

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 2023-11-20
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: Account information incorrect

Complaint:
Based on my credit report I have identified several errors these areas include incorrect personal information and accurate payment history and unauthorized accounts I'm disputing these errors as a negatively impact my credit score and standing by resolving these issues I am to insure the accuracy of my credit report protect my financial reputation and potentially gain XXXX  better access to credit opportunities in a future

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 2020-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 have been a victim of Id ttheft and ive contacted the bureaus but have not received a 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 explanation
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX : {$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 non-monetary relief
Consumer complaint received 2024-01-03
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:
My information has been leaked in recent data breaches and my information may have been used fraudulently without my permission. The following are discrepancies that were found on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Amount : {$440.00} # XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Amount : {$340.00} # XXXX. XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX 

# XXXX. XXXX, XXXX. 
Amount : {$310.00} # XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$5900.00} XXXX XXXXXXXX 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 2023-10-12
Company: CREDIT ACCEPTANCE CORPORATION
State: TN
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:
They are reporting inaccurately and constantly reporting a written off debt on my credit and never received a 1099

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 2023-09-09
Company: Contemporary Information Corp
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
This company is reporting information that for one doesnt belong to me and inaccurate addresses as well. Who is this company? Are you able to give me information on them? They are reporting an eviction thats inaccurate and I never gave them permission to report anything on my behalf! I have never heard of this company and I am a victim of identity theft! Please advise me why and who this company is reporting false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: SIMM Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Simm Associates claims to be collecting on behalf of XXXX XXXX XXXX, but has failed to verify the alleged loan debt they are attempting to collect. They have also been harassing me by calling 4+ times every day while I'm at work. They're demanding full payment of the $ XXXX debt or $ XXXX settlement by the end of XX/XX/2019 or they will take legal action against me. I refuse to make a payment without written verification. The constant threat of legal action is causing extreme stress and is having an impact on my capability to do my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Mr. Cooper Group Inc.
State: OR
Product: Mortgage
Sub-product: Manufactured home loan
Issue: Trouble during payment process
Sub-issue: Interest rate

Complaint:
On XX/XX/XXXX  request was sent for a payoff of loan. On the payoff it showed the payoff of {$140000.00} with additional payment of {$530.00} for interest for XXXX. I tried to get Mr. Cooper to explain how the interest was calculated. I was told that I am being charged for the entire month of XXXX then the additional 15 days. so {$350.00} for 30 days and {$170.00} for 15 days this loan is at 3 % interest. I am wanting to know how can I be charged for something that they no longer have if the principal balance is paid how can they charge interest?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: IN
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 a victim of identity theft please remove this fraud inquiry from my 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 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.

Validate/inaccurate reported late payments.

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 2019-01-22
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OK
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:
HELLO, On XX/XX/XXXX I paid the total balance of {$5000.00} that is displayed on my HSBC Credit card account. Few days later, I had seen {$17.00} as late payment. I contacted customer care couple of times and I clearly mentioned that I made payment in full. I requested them to close my account. I have not received any confirmation that my account is closed. In the month of XX/XX/XXXX, I had seen another charge in the amount of {$37.00} as late fee. I contacted customer care again and clearly stated that I paid the amount in full and I requested to close this account. But the customer care keep on stating that their department doesn't handle these queries. They transferred my call to another department and they told the same story that their department doesn't handle credit card queries. They keep on transferring my call across multiple departments until i give up. Recently I got a year end balance statement and it is showing that I owe them {$180.00} in late payments. I contacted customer care again on XX/XX/XXXX and I clearly explained my plight. They again transferred my call to another department stating that they dont handle credit card queries. I contacted the number mentioned on their website and I contacted another number given to me by their online chat department. Now I received another number XXXX. I will contact them again tomorrow to resolve this issue. Their customer care department is playing with loyal customers if they decide to close their account. Felt very disappointed and very bad customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: Experian Information Solutions Inc.
State: LA
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:
XXXX  ; Experian and XXXX  should not be reporting that I am ( XXXX ) days late in XXXX, 2020 on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report along with a copy of my XXXX XXXX XXXX XXXX XXXX  for identification purposes to continue the investigation of my complaint. ) I contacted the dealership directly to defer a payment due to the COVID XXXX XXXX. The customer service representative I spoke with said they would work with me on the deferment agreement and that no late would be reported. Unfortunately, the customer service representative lied and did not honor our arrangement. XXXX XXXX XXXX will consider payment deferrals on a case-by-case basis. Mot deferrals offered will be between XXXX XXXX XXXX days. This is per the COVID practices of XXXX. Clearly, I was within the ( XXXX ) day time frame. This false reporting of a late is seriously harming my XXXX XXXX and this late needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my 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 explanation