BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous 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 ) they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX XXXX XXXX XXXX XXXX I am including it again., 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 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 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 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 2023-01-28
Company: Bridgecrest Acceptance Corporation
State: NC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Wrongful auto repossessions by servicers.repossessing vehicles, even after I took intentional actions to prevent repossessions.I lose personal property when the vehicle is repossessed or are unable to hold on to their job due to the lack of transportation. They also incur other significant costs, including the expense of finding alternative transportation, fees related to repossession, and negative marks on their credit reports.The auto servicers engaged in unfairly failing to obtain refunds for borrowers for add-on products that no longer provided a benefit. In other instances, they found that auto servicers misled consumers about the amount of their final loan payments after their normal payments were deferred due to financial difficulties.Failure by credit reporting companies to conduct reasonable investigations into disputed debts.They also illegal charge me for a down payment for the car.

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 2023-01-28
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 information incorrect

Complaint:
These XXXX accounts on my credit report still show that they are open with balances these accounts have been closed with the creditor. XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # 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 2023-01-28
Company: EQUIFAX, 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 information incorrect

Complaint:
These two accounts on my credit report still show that they are open with balances these accounts have been closed with the creditor. XXXX Credit Card Account # XXXX, XXXX XXXX loan Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
XXXX XXXX called my mothers home at XXXX XXXX. She was interrupted from her sleep and I know this is FDCA violation.

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 2021-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2023-01-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing account. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX The company on mentioned is violating my rights under 15 U.S. Code 1666b - Timing of payments & 15 U.S. Code 1605 - Determination of finance charge Ive attached a copy my consumer report with these inaccuracies below with my ID, bank Statement and tax return Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had no idea about this debt and lately I received a letter from this law firm. I checked on XXXX about this law firm and all I see is bad information. I contacted them for the first time and the lady who answered the phone was rude, she wanted me to pay over the phone and due to the bad information about them, I decided to pay part of the debt online. After I paid, about 15 days later, I checked my credit report and it was showing that I owe the same amount, they didn't deduct what I paid ( one third of the debt ). I filed a dispute at XXXX  and one month later I got the results, the reported that I owe the same amount, not deducting what I paid. I contacted them today and the guy " XXXX  '' was rude, said that I don't know what a dispute is, also said he is not going to send any information to XXXX. I tried to find an email address to this collection company and there is no contact information. I tried to prove to XXXX  that I paid part of the debt, they said there is nothing they can do. Is this what a Citizen has to go through? Where is the Law???? Where is the Justice?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It XXXX concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}, {$5900.00}, {$0.00}. 
I am a victim of identity theft, and I did not make these charges. I request that you remove the fraudulent charges and any related finance charge and other charges from my aaccount, send me an updated and accurate statement, and close the account. I also request tuat you stop reporting this inaccurate information and report the correct information to all of the nationwide credit reporting companies to which you provided it. 

Enclosed is copy of my Identity Theft Report, and account statement showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the Notice to Furnishers of information issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRCs. 
Please investigate this matter and send me a written explanation of your finding and action Under federal law, you have XXXX  days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within XXXX  days of the completion of your re-investigation. Please remove the fraudulent information immediately from my file. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- ACCOUNTS -- XXXX. XXXX XXXX with XXXX XXXX XXXXXXXX opened on XX/XX/XXXX with XXXX  of {$12000.00} -This is not my account. 

XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX with XXXX  of {$5900.00} -This is not my account. 


-- XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  on XXXX XXXX, XXXX with balance of {$0.00} -This is not my account.

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 2023-01-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS 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 items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 XXXXXXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 explanation
Consumer complaint received 2017-09-20
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had Internet service at my Home in Georgia and the Internet was continuously having problems, so I called on several occasions to get XXXX XXXX XXXX to come and provide service to fix the problem. We set up an appointment and the technician did not show up on 2 separate occasions!! I was furious from missing work, etc. 2 weeks later the Modem went out and NOW the Internet was completely down, so I had no choice but to get XXXX XXXX XXXX out to my home and finally a tech showed up and stated that I needed a NEW modem and I said OK, then stated that I had to pay for it, and I refused because it was their modem and I was paying monthly for it!! I said, I NO LONGER want XXXX XXXX XXXX because you guys are horrible, the tech then said " I understand '' and started packing up. I told him to take the MODEM with him and he said " just throw it away, its fried ''! I said ok, called XXXX, who I am still with today. A year later, XXXX XXXX XXXX puts a debt on my credit report saying I owed them for a Modem!! I was beside myself and NOW, I have a collection agency hounding me, continuously refreshing their reporting to the Credit Bureau.. I dispute it and get it removed, and then they report it again with a different amount, so I called them and told them that they are harassing me and NOW its worse than ever!! They keep adding to the original {$19.00} they say I owe, which I do n't, and now its {$160.00}!! They refresh every month adding new fees. They are continuing to harass me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-01-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
in accordance with the Fair Credit Reporting Act ( FCRA ), 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 Equifax 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 credit reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Since XX/XX/2018we have made many attempts, along with filing a dispute to correct the information, short, this company has failed to correct the correct showing, because, they have told us, we have contacted them to much, the issue, had a medical injury, XXXX XXXX XXXX, involving XXXX, XXXX XXXX XXXX etc, this cause a financial hardship, even with our insurance, never had late payment, nor miss payment, we took a small loan to payoff 2 credit cards. to help ease the burden, which, it did, but, XXXX XXXX, failed to report that the cards had been paid off, we contacted the Banks, and they kept sending the information, XXXX, kepts failing to report, thus the have marked my score from XXXX down to XXXX as of today, thus causing the others to lower my score also, XXXX. 
I do not believe that this company should have the right to destroy mine or anyone 's credit. And when you call, they are very loftiness, I asked to speak to a supervisor, 15 mins hold, this guy answer, asked his name, his replied was XXXX. and I am in Idaho. I asked for a ID number was refused, asked for his full name was refused, told me this was being recording as a threat. I said good, explained to him what the problem was, asked him why his company was the only one. his answer, you said you will complain, so I will not talk any longer to you, Hung up, this was last Friday, XXXX XXXX approx. pdt. I need to have this company not involved, I was trying to purchase a new home. Please help. Thanks, 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 2023-01-27
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
Stating I have a debt I tried to validate debt have not received anything. 
Spoke with representative and they wont tell me what the itemized bill I have disputed the debt several times through XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Since XX/XX/2018we have made many attempts, along with filing a dispute to correct the information, short, this company has failed to correct the correct showing, because, they have told us, we have contacted them to much, the issue, had a medical injury, XXXX XXXX XXXX, involving XXXX, XXXX XXXX XXXX etc, this cause a financial hardship, even with our insurance, never had late payment, nor miss payment, we took a small loan to payoff 2 credit cards. to help ease the burden, which, it did, but, XXXX XXXX, failed to report that the cards had been paid off, we contacted the Banks, and they kept sending the information, XXXX, kepts failing to report, thus the have marked my score from XXXX down to XXXX as of today, thus causing the others to lower my score also, XXXX. 
I do not believe that this company should have the right to destroy mine or anyone 's credit. And when you call, they are very loftiness, I asked to speak to a supervisor, 15 mins hold, this guy answer, asked his name, his replied was XXXX. and I am in Idaho. I asked for a ID number was refused, asked for his full name was refused, told me this was being recording as a threat. I said good, explained to him what the problem was, asked him why his company was the only one. his answer, you said you will complain, so I will not talk any longer to you, Hung up, this was last Friday, XXXX hrs approx. pdt. I need to have this company not involved, I was trying to purchase a new home. Please help. Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Ive faxed and mailed proof of my current address to Equifax and they have refused to update my address. They have placed my current address as my previous address and have current address as my XXXX XXXX XXXX. I dont live at the Post Office. I live at XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX. This incompetence has been ongoing for almost a year

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
We reviewed your complaint and apologize for any difficulty you may have experienced. To process your request and protect the confidentiality of your credit report, please re-submit your complaint and provide us verification of your Social Security number. Acceptable forms of verification include a copy of one of the following documents that show your Social Security number : current drivers license, Social Security card, a letter from the Social Security Administration, state ID card, XXXX or XXXX card, military ID, bank or credit union statement. If you have any further questions, please call us at XXXX, XXXX, XXXX XXXX  XXXX XXXX ET. For more information please visit our Frequently Asked Questions page at www.transunion.com/consumerfaqs.Transunion has requested I send this information in to prove my identity.

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 2020-09-21
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was XXXX  from XXXX-2020 to XXXX-2020 and during that time my Navy Federal debit card was used fraudulently for the following transactions : XXXX WITHDRAWAL {$1000.00} XXXX withdrawal {$300.00} XXXX withdrawal {$62.00} XXXX XXXX XXXX {$68.00} XXXX XXXX XXXX XXXX {$140.00} XXXX withdrawal {$500.00} XXXX withdrawal {$500.00} XXXX withdrawal {$500.00} XXXX XXXX XXXX   {$240.00} XXXX withdrawal {$500.00} XXXX withdrawal {$500.00} XXXX withdrawal {$500.00} XXXX withdrawal {$500.00} Ive sent the bank a letter from the XXXX  stating the days I was XXXX  along with the police report and was still denied. I went to a branch location today ( XXXX-20 ) and was told by a Navy Federal associate who was on the phone with the Navy Federal fraud department and was told the reason I was denied was because the PIN number was used but according to the Electronic Funds Transfer Act that is not a reason to deny a fraud claim. The only way for my claim to be denied is if I wait too long to notify the bank of the fraudulent transactions which doesnt apply to me because I notified Navy Federal within 1 day of noticing the transactions because I was XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation