BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Upon reviewing my consumer report, I noticed an account that should not be there. 

Consumer reporting agencies may only furnish a consumer report in accordance with the written instruction of the consumer to whom it relates. 

I have never given any of the consumer reporting agencies permission to furnish account XXXX XXXX - XXXX to my consumer report. 

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and RESPECT FOR THE CONSUMER 'S RIGHT TO PRIVACY. 

Please investigate and delete this account from my consumer report. 

Thank You

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 2020-01-22
Company: TD BANK US HOLDING COMPANY
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2020, my vehicle was totaled. My insurance company has been trying to get a letter of guarantee for 3 weeks so that they can release a check to payoff the loan.

Requests have been mailed and faxed multiple times and no response is given from TD Auto Finance. 
I have attempted to call as well as my agent. Each time we get transferred around and have hold times in excess of an hour and still can not make contact with an actual person who can send this information. They won't speak with the agent because he is not on the loan. 

My agent and I finally got a representative who was supposed to be in the correct department but because we were on a 3 way call she stated she could not speak to us and hung up and was extremely rude. The customer service at this place is awful. I have never been late on a payment and have been an exceptional customer, and can't even get a letter of guarantee. If you are a company that originates and services auto loans, you should have a process for scenarios such as this. I can't be the first person that has had a car totaled out and needs a letter of guarantee. Can someone please help me get a letter of guarantee so we can get this issue closed out as soon as possible. My insurance company is literally waiting on you to issue a check. My account better not be reported late because your company can't figure out a process to answer customer calls and issue letters of guarantees in a timely fashion. I will never bank with this company again, EVER.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-26
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
according to regulation cc i can draw on my account and i did and they decided to close my account Regulation CC 2 Subpart A General Definitions The term bank refers to all banks, mutual savings banks, savings banks and savings associations that are insured by the FDIC, and federally-insured credit unions. Bank also refers to non-federally insured banks, credit unions and thrifts, as well as agencies and branches of foreign banks and XXXX XXXX XXXX XXXX  ( XXXX ) members. For purposes of subparts C and D, bank also includes any person engaged in the business of banking, Federal Reserve Banks, XXXX, and state/local governments to the extent that the government unit pays checks. For purposes of subpart D only, bank also refers to the U.S. Treasury and the United States Postal Service ( USPS ) to the extent that they act as payors. 
The term paying bank refers to any bank at which or through which a check is payable and to which it is sent for payment or collection. For purposes of subpart D, paying bank also includes the U.S. 
Treasury and USPS. The term paying bank also includes the Federal Reserve Banks, XXXX, state/local governments, and, if a check is not payable by a bank, the bank through which a check is payable. 
A reconverting bank is the bank that creates a substitute check or is the first bank to transfer or present a substitute check to another party. 
The term check includes both original checks and substitute checks.1 An original check is the first paper check issued with respect to a particular payment transaction. 
A substitute check is a paper reproduction of an original check that : Contains an image of the front and back of the original check ; Bears a MICR line containing all of the information encoded on the original checks MICR line, except as provided in the industry standard for substitute checks ; 2 Conforms in dimension, paper stock, and otherwise with industry standards for substitute checks ; and Is suitable for automated processing in the same manner as the original check. 
A substitute check for which a bank has provided the warranties described in XXXX is the legal equivalent of an original check if the substitute check accurately represents all of the information on the front and back of the original check and bears the legend This is a legal copy of your check. You can use it the same way you would use the original check. 
A copy of an original check is any paper reproduction of an original check, including a paper printout of an electronic image, a photocopy, or a substitute check. A sufficient copy is a copy of an original CFR 1002.2

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


Here is the list of account/item which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXXDate Opened : XX/XX/2015 Balance : {$36000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-14
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Someone has committed identity fraud using my information. This is not my debt and I need this cleared up immediately. Thank you.

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 2022-09-06
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 6. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 10. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 11. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 12. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 13. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 
14. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 15. there is some inaccurate information reporting. Account Number : XXXX Please remove it from my credit report. 16. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 17. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 18. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 19. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX 20. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 6. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 10. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 11. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 12. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 13. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 
14. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 15. there is some inaccurate information reporting. Account Number : XXXX Please remove it from my credit report. 16. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 17. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 18. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CA 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 2019-03-28
Company: American Student Assistance
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In 1987 I took out a loan and it was about {$14000.00}. I let it go into default due to some personal circumstances. I recieved a letter stating that it was in default and I owed {$17000.00}. When I took that loan out, it stated if it went into default, it would be up to 25 % penalties and interest. It did not say, 25 % penalties and interest plus 20 % interest until it was rehabbed and then they would add more and more to it.

Now ASA ( American Student Assistance ) have recently hired Performant to collect a separate debt I have not taken out or agreed to pay. The only paper work they have been able to provide is a fuzzy print document with pages missing. ASA claim I agreed to this loan but this is not true, nor have I ever seen the document before. If I had agreed to such a large loan there would be a copy of a loan agreement with my personal signature on it. I need them to stop garnishing my wages for this immediately. They have tried to get me to actually agree to pay this loan I know nothing about and I absolutely did NOT agree to it at any point in my life. This is not reasonable that someone can just " show up '' and say I owe them {$160000.00}! it is illegal and extortionate.
I did NOT " electronically sign '' nor did I agree to consolidate or any such nonsense.

Now ASA has been garnishing my wages through XXXX for the past year. If they won't provide an actual document to me proving the debt is legitimate, why are they allowed to garnish my wage? The reason they aren't able to provide this documentation is because it doesn't exist. Please make them stop!

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 2023-09-22
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20
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:
After seeing recent media on hacks on the american publics information I pulled a copy of my credit report to see if all my information was correct, and no one was falsely using my information, to my surprise I had several addresses, accounts and inquires that I've never been associated, seen or applied for or every inquired on credit at these businesses below are a list of false information due to identity theft on my credit report.

I have never lived or been associated with these addresses below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  I have never applied for credit resulting in a INQUIRY with these companies below : XXXX XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX onXX/XX/XXXX Below are a list of Accounts that are fraudulent I have no knowledge of them at all Account Name : XXXX XXXX Account Number : XXXX  Date Open : XX/XX/XXXX Balance : {$1000.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX   Date Open : XX/XX/XXXX Balance : {$1000.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX  Date Open : XX/XX/XXXX Balance : {$170.00} Account Type : Collection Account Name : XXXX XXXX Account Number : XXXX  Date Open : XX/XX/XXXX Balance : {$170.00} Account Type : Collection Account Name : XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$1500.00} Account Type : Credit card Account Name : XXXX Account Number : XXXX   Date Open : XX/XX/XXXX Balance : XXXX Account Type : Collection Account Name : XXXX XXXX XXXX Account Number : XXXX Date Open:XX/XX/XXXX Balance : XXXX  and XXXX Account Type : Credit card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-15
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The false debt is from a rental property that we rented in XXXX and early XXXX. 
The original debtor, XXXX XXXX XXXX is attempting to collect monies that are not due, such as " owners commissions '' on the property. These amounts were never part of the original lease agreement and do not represent normal business practices for rental properties. 

We disputed this debt back in XXXX of XXXX and then did not hear from them until XXXX of XXXX, where they told us we had 30 days to respond. We again disputed the debt with them and asked for documentation and disclosure documents to prove this debt. 

On XX/XX/XXXX, we received our first letter from National Credit System , Inc. about this debt. We responded immediately with a written letter disputing the debt and asking for documentation. 

They responded with the lease agreement with no mention the debts they mention and then made-up documents with numbers that are listed and no signatures. 

We have now sent them three letters and have yet to receive any real documentation to uphold this debt. They have refused our request for disclosure documents and have sent documents with numbers lined out to reduce the debt owed in an effort to get us to pay a reduced amount.

National Credit Systems has placed a debt on our credit report which is false report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: Experian Information Solutions 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:
Credit Reporting Agencies reply to complaints " Consumer Relations will enter your dispute into our system and review all information and any additional documentation you provide to determine next steps '' This is not a response but shuffling paper, pushing off, and a diplomatic answer. The FCRA requires the Credit Reporting Agencies to correct or delete any inaccurate, incomplete, or unverifiable information within 30 days of receiving notice of your dispute. Thus Credit Reporting Agencies have failed and do not investigate.

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