BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

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 2021-01-28
Company: EQUIFAX, INC.
State: GA
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 Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: Resurgent Capital Services L.P.
State: SD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
LVNV Funding LLC, would see to be buying old debt and then re-dating it years ahead and charging interest well after debt has been delinquent. My account was for {$300.00} line of credit with XXXX XXXX XXXX, it went delinquent with a balance of {$370.00} on XXXX XXXX, XXXX. When LVNV Funding bought my account the delinquency date became XX/XX/XXXX and balance kept increasing to an oddly exact {$900.00} balance now. When i try accessing my account to see the accuracy of the balance and accounting i get a message that reads, - " This account is unavailable to view online at this time. Due to the current status of this account, we are unable to show information at this time. We apologize for that inconvenience. You may want to try again at a later time. '' -Ive tried again and again for months now. Tried contacting the service department where they could access my account and see and tell me the balance, said i could pay over the phone or set up a payment plan by phone. I told them i would like to see my full balance, they could send me an accounting of my balance or allow me to access the account online and i would consider making payment. They said since i had requested they not contact me at an early date, they could not send me paper work without me opting in on my online account. After going around in a circle with clueless phone operators for an hour asking " how can i opt in on my online account if i cant access my online account '' then being transferred to another department where they tell me we cant give you access to your online account until you've made a payment and have an account in standing order then we can reinstate your access to the account. I got fed up and came here. It would seem there has to be something criminal at play here and reading around I am not the only one to experience this type of runaround from this company. you'll find very few people who have had a good seemingly legal interaction with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Maximus Education, LLC dba Aidvantage
State: TN
Product: Credit reporting 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 have reported to f.b.i and identity theft.gov and u.s embassy of XXXX of someone using false power of attorney with fake signature that's not even mine, stolen irs tax return prove of irs representative, a phone number I used to have before I departure to XXXX, XXXX on XXXX, XXXX, XXXX and returned back to u.s on XXXX, XXXX, also XXXX account is stolen, and Tennessee department of revenue report that my SSN IS UNDER XXXX XXXX, not XXXX XXXX which is me And now there is 3 students loans were taken while I was gone in XXXX, XXXX and the 3 loans were taken as " National Emergency Forbearance '' there are {$3800.00} and {$3000.00} and XXXX I have reported them to transunion and XXXX XXXX XXXX and have called the department of education and informed them as well Done sent documents of prove evidence to XXXX by mail and received it on friday XX/XX/XXXX, and documents were signed for as well

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: NCB Management Services Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
They have wrong information about my report and has wrong information .they are trying to go homeless, they are defamation of my character, this i call harassment toward me which is bad practice, since i mention already. I'm trying to buy a house but, its hurting me to get a hose transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on an account under an open end consumer credit plan as late for and purpose.

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 2022-05-20
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: Their investigation did not fix an error on your report

Complaint:
XXXX, XXXX, Transunion and XXXX continues to report in accurate information on my credit report and refuses to correct the problems and conduct a proper investigation. Please review the screen shots from my most current XXXX report ( not a third party ) That shows my account status is Closed. I have also included the email thread from XXXX XXXX Who is a XXXX XXXX manager in the XXXX XXXX department XXXX Who refuses to fix the problem despite the screen shots that clearly show the account status closed. They are reporting the account in Transunion and XXXX as being late when they should be reporting current and they are reporting the accounts 90 days past due when the account was suppose to be in approved forbearance. This company and the credit reporting agency have failed to do proper investigation and correct the my reports, despite my disputes. Even the president of the company was emailed about the problems and totally ignored my emails. Problems with this company have been reported to the state attorney generals office, CFPB and XXXX and no one will listen or fix the problem.

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 2023-09-16
Company: Experian Information Solutions Inc.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2022-11-15
Company: Harley Davidson Financial Services Inc
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a new Harley Davidson motorcycle in XX/XX/XXXX. During the loan, on separate occasions, I have to seek a forbearance for XXXX payments that were to be rolled to the end of the loan. This moved my expected pay off from XX/XX/XXXX, to XX/XX/XXXX. I receive XXXX calls per day from Harley Davidson Financial services on my cell phone regarding payments. This has been occurring for the last 6 months. I have requested a payment history, but the company refuses to provide one. The company states I still owe over {$9000.00} towards the principal on the loan. I only financed {$17000.00} at the start of the loan and my payments are {$360.00} per month. After 6 years of payments, the company is claiming that my balance has only decreased roughly {$8000.00}, although Ive paid over {$26000.00} in payments. By their numbers, it would add another XXXX years of payments onto an already 7 year finance period. This can not be accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Park Hill Holdings
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
In accordance with the Fair Credit Reporting act. The List of cases below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Record 1 of 2 Case Number : XXXX Case Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX I dont believe the status of this account is accurate. This delinquency on my credit report should not be there. I demand proof that they went through all the proper and logical steps that would have been necessary to validate or refute my dispute. Please provide me with all instruments used to report this account on my credit report. If your agency is unable to do so, I demand that this account be removed from my credit report. 

Record 2 of 2 Case Number : XXXX Case Type : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dont believe the status of this account is accurate. This delinquency on my credit report should not be there. I demand proof that they went through all the proper and logical steps that would have been necessary to validate or refute my dispute. Please provide me with all instruments used to report this account on my credit report. If your agency is unable to do so, I demand that this account be removed from my credit report.

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 2022-11-15
Company: Affirm 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 got an alert showing a 30-day late payment on my credit report in XXXX of 2022 from Affirm. 

When I first signed up for this account they were not reporting to the credit bureaus and as a matter of fact, that was one of the leading factors behind my using the company to make a purchase. This is my first time ever using Affirm. 

After I got the account they started reporting to the credit bureaus, and they didn't give consumers an option to opt out. I already felt that was a violation because it changed the age of my credit report and my utilization. It also reports as a consumer finance account and that carries a negative indicator on credit reports. Lastly, it's a short-payment account and upon paying off the loan I also took another hit from the account closing. 

On top of that, my truth in lending disclosure shows a different payment date from the one that they claim is the date they based the late payment on which can create confusion. 

I called the company and requested a removal of the late payment. A supervisor told me he would put in the request and I should hear back in 3-5 business days, but almost immediately after I got off the phone I got an emailed response that seemed automated saying they would not remove the reporting. I sent back a lengthy email stating my cause and have not gotten a reply back form the company. I was originally told I would hear back by XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
FCRA violations : inquires not mine XXXX  XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX  XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : not my names XXXX XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, MS XXXX Resident type Single family XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX XXXX, OH XXXX Resident type Single family XXXX XXXX XXXX # XXXX XXXX, MS XXXX Resident type Single family XXXX XXXX XXXX XXXX, MS XXXX Resident type Single family XXXX XXXX XXXX XXXX, MS XXXX Resident type Single family XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FCRA violations : payments never late XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$180.00} Status Open. 

FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$170.00} Status Account charged off.

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 2023-08-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was not giving the option to opt-out from consumer report sharing. An identity theft report was filed thru the FTC. The identity report number is FTC Report Number : XXXX The companies are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
USAA decided to start the closure process of my account on XX/XX/2022. This made it so that they would only accept deposits and restrict me from withdrawing any of the money. Unfortunately, my disability check from the VA ( I am 100 % XXXX veteran ) was already sent to the account and was pending deposit so I couldn't have it send to my other account. I called USAA and received many different answers about when the account could be closed and have the corporate check sent to me. I emailed the CEO XXXX XXXX and President of the USAA Federal Savings Bank asking if they could close the account immediately and send me the check expedited as I depend on the check to live for the month as I have no other source of income. The CEOs office called and said they couldn't close it for 60 days due to laws and regulations, however I could not find anywhere in their disclosures that state these laws and regulations. The letter they sent me said that it would be closed WITHIN 60 days, but the representative who called said they couldn't close it until 60 days. Another representative told me they would be able to close the account and expedite the check to me once the account is in positive balance. Which it is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Please note that in XXXX  XX/XX/XXXX, I purchased a new XXXX XXXX and the XXXX dealership provided me a loan with BB & T for a 5 year term loan. In XXXX XXXX decided to contact to sell the vehicle and I call BB & T that is now Truist Bank and their customer service representative denoted that she would have the Title with the notarized lien release mailed to my residence with 14 days. 

I sold the XXXX XXXX to a very nice lady that I told her that Truist was forwarding me the title with the lien release and I would mail or deliver the documents to her. In XX/XX/XXXX, knowing that I had to go to XXXX XXXX on XX/XX/XXXX, I initiated XXXX more call to Truist and was told the same thing that they send me the title and notarize lien release and they apologize for the delay. 

Upon my arrival back to my NC residence, in XX/XX/XXXX, I called Truist again and was informed they would get this title and lien release expedited to me. I had been bitten by a tick while I was in XXXX XXXX and upon returning back to NC, I contracted full blow XXXX XXXX. So, I contacted Truist again in XXXX  the beginning of XX/XX/XXXX. I started complaining and asked for a supervisor and the supervisor told me that there was an outstanding balance of approximately {$600.00} owed on the vehicle. I immediately paid the outstanding balance by debit card and I was assured that they would put a rush on the title and lien release request and it would not take longer than 7 days to receive. I conveyed this to the buyer of the vehicle. 

After, the 7 days expired and I had not received the title, I requested to speak to another supervisor, XXXX XXXX. I have several emails from XXXX that confirm her commitment of me receiving the title & lien release within XXXX days and as of XX/XX/XXXX I have not received the title nor the notarized lien release XXXX 
I believe that Truist should immediately deliver me the title and lien release & provide me and the buyer if the car {$2000.00} each for their deliberate terrible customer service that has caused all kinds of problems for me and the buyer. I have emails from Truist that corroborate with my complaint.

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 2023-09-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I began using the XXXX XXXX XXXX XXXX  about XXXX months ago and have awaited my credit score from the credit bureaus. However, despite checking multiple times, I have not seen any activity, credit history, or credit account listed on my Experian or any other credit bureau 's website. Initially, I thought it might be because I was new to credit and it was my first credit card. But after hearing from others who reported seeing their card and activity listed within XXXX months or less, I became uncertain about the issue. 

I tried to address any potential discrepancies in my information, such as my address or name. However, as I can see both hard and soft inquiries, I believe my account has been correctly identified. Nonetheless, the credit card and its associated activity have not been registered, resulting in the absence of any credit score. My initial suspicion was that XXXX might not be reporting my account, but after confirming with them several times, they have assured me that reporting is done in every cycle, including off-cycle reporting. 

During my last contact with XXXX, they initiated a case to investigate the issue. However, I still remain uncertain about why I can not see my credit card loan and activity listed on the credit bureaus ' accounts, even after reporting has allegedly taken place.

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