BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I sent a letter off on XX/XX/. I have my tracking number. To remove personal information that. I do not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is supposed to share my information with third party people.

These are clear violation of my federally protected consumer rights.

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 2022-12-12
Company: JPMORGAN CHASE & CO.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2021, I was defrauded for two {$95.00} payments ( total of {$190.00} ) on XXXX and Chase bank never helped me get that back from XXXX XXXX ( phone number XXXX ). Neither Chase or XXXX has taken the responsibility for this fraudulent withdrawal and helped retrieve this month even though this was a scam. They should really take a few steps to help their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: LendKey Technologies, Inc.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I had a student loan with Lendkey which was on deferment while i was exploring opportunities to refinance. In late XXXX Lendkey notified me that I had to make a payment before XX/XX/XXXX otherwise my I would be reported delinquent. I made the payment on XX/XX/XXXX and received a email notification the payment had been processed successfully. On Friday XX/XX/XXXX i received a call from the collection department form Lendkey, asking for a payment. I informed them the payment had already been processed. They told me I was still due. After requesting a manager on the phone i found out the person who processed the first payment had used my outdated bank account number. I immediately updated the information and made the payment. 
I do not believe Lend key made sufficient due diligence to let me know the first payment had not posted yet. Because of their email stating the payment was successful I had no reason to believe it had not posted as no one contacted me to let me know it had failed. I am asking Lendkey to reverse their negative reporting to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Experian Information Solutions Inc.
State: AL
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 items : 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

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 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly update or remove the following items that are harming my credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Hi XXXX, Transunion, XXXX, & CFPB ; I'm a little surprised and shocked that both XXXX XXXX and XXXX XXXX XXXX are still reporting inaccurate, and incomplete information on my credit report, but yet, your agency mentioned on previous dispute results that the dispute has been resolved. How can it be resolved if it continues to report the same previous negative, incomplete, inaccurate, and unverifiable information? For example, still continue to report different dates of XXXX, XXXX, XXXX, questionable balance, and inconsistent payment history and payment status. Delete for still multiple inaccuracies. It's my understanding from reading the recent articles from the Cfpb website that each of the credit bureaus, XXXX, XXXX, and TransUnion relied heavily on template complaint responses instead of providing meaningful and thorough responses to consumers, despite having up to 60 calendar days to respond. What was the method of your investigation from my previous disputes? Who did you talk to? How can you truthfully say that it was verified if all those items are still reporting with multiple inaccuracies and incomplete.

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 2023-11-08
Company: Experian Information Solutions Inc.
State: FL
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:
To Whom It May Concern, I am writing to formally dispute the presence of certain accounts on my consumer report, as I firmly believe that they are in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b and 15 U.S. Code 1681c-2.

Under 15 U.S. Code 1681b, which addresses the permissible purposes of consumer reports, it is unequivocally stipulated that a consumer reporting agency may furnish a consumer report only under specific circumstances, one of which is " In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. '' I wish to emphasize that I have NEVER provided written consent to any consumer reporting agency to include the disputed accounts in my consumer report. This infringement directly contravenes my rights as a federal pro-consumer individual. 

Furthermore, I must bring to your attention that the inclusion of these accounts on my consumer report without my consent amounts to identity theft, a matter I have promptly reported to the Federal Trade Commission ( FTC ) and for which I have been issued an FTC reference number ( XXXX ). As an identity theft victim, I urgently demand the immediate removal of these accounts and inquiries from my consumer report. 

Account Information : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Inquiry Information : Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2023 According to 15 U.S. Code 1681c-2, a consumer reporting agency is mandated to block the reporting of any information in the file of a consumer that the consumer identifies as information resulting from alleged identity theft, not later than four business days after the date of receipt. It has now been more than 30 days since my initial request, and your agency remains in violation of this law by failing to promptly address my dispute as a victim of identity theft. 

I want to make it abundantly clear that my dispute is not with the creditor associated with these accounts but with your reporting agency, which I did not authorize to include this information in my consumer report. I kindly request the immediate deletion of these items from my consumer report to rectify this unsettling situation. 

I fully anticipate your agency to act in accordance with the FCRA and federal law with the utmost expediency. Failure to do so may compel me to take legal action to safeguard my rights as a consumer. I earnestly appreciate your immediate attention to this pressing matter.

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 2023-01-25
Company: ADIR INTERNATIONAL LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Someone opened an account at Curacao under my name in XX/XX/XXXX. It showed up on my XXXX report XX/XX/XXXX. I tried to reach the company directly to report fraudulent activity but I cant get a hold of anyone. I keep getting the run around and I dont know what else to do. My credit score has already dropped drastically. I will file a police report not only for the acccount being created but for the company not responding as well. I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: TMX Finance LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
In XX/XX/2018, I decided to take my car to a TitleMax close to my house for some extra cash that I needed at the moment. They offer a {$1000.00} cash for the title and offered a monthly payment to settle the amount. After 14 payments of {$120.00} my account balance is {$1000.00}. I called the company to find out how was this even possible and they proceed to say that I need to pay more than the minimum or the full balance because so far I only payed interest, that appears to be 130 % of the total amount ; however, this wasn't mention to me at the time of the loan. I tried to contact the resolution center and the management of the company with no success so far, I go to the store and they dismiss me telling they will call me and I'm still waiting for a call, and if I call nobody is available to take my call. I feel this is a very unfair practice that take advantage of those in need, and I know a loan will have some interest but over a 100 %? Really? Paying {$1700.00} and my account reflecting more than what I borrowed, is plain abusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: EQUIFAX, 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:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: Experian Information Solutions Inc.
State: OH
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 accounts listed below are reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA

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 2023-04-08
Company: HUNTINGTON NATIONAL BANK, THE
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
Please see attached checks submitted to XXXX XXXX bank in my account. XXXX XXXX did not submit checks to me. I have 8 reps from Huntington bank and 4 from XXXX XXXX on recording confirming these check raise red flags due to numeours things wrong with the checks account numbers, routing numbers, the branch number being bogus, the handwritting on the checks. All the information provided to me was the check looked as if it cleared but no funds were deleted from XXXX account. A branch manager has confirmed the watermark is not that of Huntington bank and I can provided audio. XXXX XXXX has stated that they believe someone is impersonating me and cashing these checks. It is my belief that XXXX has had help at a local branch level of XXXX XXXX and that these checks were made to appear that the checks were deposited into my account and withdrwrawn but can not produce withdrawl slip for transactions. I was out of town duirng transcations. My statements that are in PDF form reflect a differnt account for the transaction from before I went into the XXXX XXXX branch on my own and then differnt after a XXXX, Ga police officer went in with me. There are 4 differnt snapshots of the account and all are differnt from time to time. There is fraud comitted here!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
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:
After disputing online previously and getting a response of account verified.On XX/XX/21 I informed XXXX XXXX and TransUnion that incorrect information was being reported by my previous car company ( XXXX ) which is reporting a repossession on a paid off account, the account was paid off and traded in for a new vehicle in XX/XX/2021. I requested information on how this account was verified due to the fact that its paid off and was never provided that information.After 30 days I wrote again and also sent receipts from the dealer showing the car was paid off and traded in but the three bureaus have not removed the repossession status/remarks and they continue to report negative information for XXXX XXXX 2021 on a car thats paid for. Its clear this account is erroneous and incorrect.

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 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
XXXX has a paid car loan on my report thats in collections by error, the car was paid in full before it was sent to colloection, after speaking with the bank itself who agrees that it should not be in collection, i filed several disputes explaining this is an error, they still says is verified, i never recieved anything showing proof its verified, There is no dollar amount to collect wich it clearly says on the account, Spoke to bank several times and they are certain that they have not recieved anything about this and agrees it should not be there and needs to be removed from all three beuros, nor has XXXX remove the past addresses from my personal information from my previous complaint, i need this account remove from all three beuros The accout 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 2020-01-07
Company: First Federal Credit Control, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was pregnant in XXXX. after I discharge from hospital ; My health insurance paid all my expenses. I received separate bills from doctors. I paid for all of them. I did not receive any bills standing. 3 years later when I pulled my credit report ; I saw that same depth collector " FIRST FED CREDIT CONTROL : '' put 17 collections averaging less than {$100.00}. They did not send me any letters or did not contact me. This is an unlawful and illegal way to attempt collection. Also, They report the 3 credit agencies 17 times the same amount. Credit agency especially XXXX, reporting wrong information. They like to report negative items in the credit reports that banks can ask higher interest. This is not the fare of doing business. FIRST FED CREDIT CONTROL collection did not attempt or show proof of depth to me. They should remove all negative items from 3 credit companies asap.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: EQUIFAX, 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 XXXX credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX account was open XX/XX/XXXX. No payment was made on this account XX/XX/XXXX. LVNV, XX/XX/XXXX. THE debt is time bared an should not be reporting on my consumer credit report. 6 years is Tennessee law to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX

Company response to consumer: Closed with non-monetary relief