BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing to formally dispute and request the removal of inaccurate information from my credit report, as provided by your bureau. The inaccuracies in question are in violation of federal laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Billing Act ( FCBA ), Fair and Accurate Credit Transactions Act ( FACTA ), and applicable statute of limitations laws, as well as state Deceptive Trade Practices Acts ( DTPA ). 

The following items on my credit report are disputed : Account with XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account with XXXX  XXXX Account Number : XXXX Account with XXXX XXXX XXXX XXXX  Account Number : XXXX Account with XXXX XXXX Account Number : XXXX [ Include any other relevant information about this account. ] I kindly request that you investigate the accuracy of these entries and provide documented verification within 30 days, as required by the FCRA. If you can not verify these entries, I insist on their immediate removal from my credit report, as mandated by federal and state laws. 

Under the FCRA, I am entitled to : A timely response to this dispute ( within 30 days ). 
A free copy of my credit report once this dispute is resolved. 
The removal of inaccurate information. 
Furthermore, the FCRA, FCBA, FACTA, and DTPA emphasize the importance of ensuring that the information on my credit report is accurate, fair, and substantiated. Violations of these laws may result in legal action. 

In addition to the FCRA and FCBA, please consider the following laws that protect consumers like me : The FDCPA, which ensures fair and ethical debt collection practices. 
Statute of Limitations laws, which may apply to the debts in question. 
[ Include any relevant state-specific laws, such as your state 's DTPA. ] Enclosed with this letter are copies of documents supporting my claims, including [ include any supporting documents if applicable ]. 

Please send me written confirmation of the actions taken regarding this dispute, as well as an updated copy of my credit report once the inaccuracies have been rectified. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution. 

Sincerely,

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 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-08-26
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
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:
Paid car loan off through Huntington national bank on XXXX. I called middle XXXX asking where my title was..They had mailed it to an address that I lived at 15 years ago. The loan was just a couple years old and my current address was used on the application. I was given a case number. XXXX. On XX/XX/XXXX I called and was told they had mailed me a release form on XX/XX/XXXX. Once again they mailed that to old address of 15 years ago. They also have said I have to pay for them sending my title to old address. This is not acceptable. My current address was used on loan application. They keep sending to incorrect address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: AFNI 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:
Listed below are two collection accounts that are being reported on my credit record and neither belong to me. The XXXX account was the result of identity fraud and I provided details in the form of a police report and it was removed previously however it now reappears on my record. I have never been a customer of either company. 

XXXX XXXX XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. 
Account Name XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$2200.00} past due as of XX/XX/XXXX. 
First Reported XX/XX/XXXX Original Creditor XXXX Creditor Info Phone Number ( XXXX ) XXXX XXXX XXXX XXXX XXXX, FL XXXX First Reported XX/XX/XXXX {$880.00} AFNI, INC. 
The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. First Reported XX/XX/XXXX Original Creditor XXXX XXXX Phone Number ( XXXX ) XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: TENET HEALTHCARE CORPORATION
State: NE
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am a XXXX survivor who had been receiving periodic testing & follow up care from XXXX XXXX at XXXX XXXX XXXX in XXXX, CA. I had lab work done every year for XXXX markers, and this was typically done every Spring. During XXXX, this testing was pushed out to XXXX due to COVID-19. In prior years, I was never charged for this routine lab work, though I may have been charged for certain other procedures or testing. For the XX/XX/XXXX lab work, I was charged {$400.00}. I made repeated attempts to dispute and research through XXXXXXXX XXXX  Billing Dept, through XXXX XXXX 's office, and through XXXX XXXX XXXX. XXXX advised me that it was due to the way the claim was filed. XXXX and XXXX said that the claim would have to be refiled as XXXX instead of XXXX. XXXX XXXX, XXXX in XXXX XXXX 's office advised me by phone in XX/XX/XXXX that she would do that, although her verbal comment was not included in any of her email communications. She explained that XXXX had been taken over by Tenet Healthcare and there had been several billing errors during their transition around the Fall of XXXX. Billing had been paused during research, but I received another bill in XX/XX/XXXX since the claim was never refiled. It is now apparent I can not get this resolved through Tenet/XXXX or my insurance. My position is that I should have been billed the same in XXXX as I had been in prior years. I would not have had this lab work done if I had known I would be charged {$400.00}. " What changed '' seems to be Tenet Healthcare 's billing practices, and I was not notified this otherwise routine lab work would be billed differently until after it happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 non-monetary relief
Consumer complaint received 2019-12-19
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I post this complaint to the Consumer Financial Protection Bureau, as well as every credit reporting agency in the United States. The issue is very simple to understand. According to the trade lines posted on all of my credit bureaus, those being Experian, XXXX  and XXXX XXXX collectively, it is clear that XXXX XXXX has exceeded its legal timeline to take legal action on a very old financial issue. XXXX XXXX had an obligation to auction a vehicle not once, but twice. At no time was an accounting ever submitted as to the auctioning of a vehicle, or the upset price on two attempted sales. Secondly, there are two-years cut off on my payment history. I can assure the CFPB as well as evert credit bureau that the payment history was cut off to re-age the legitimate timeline as to how long the account may stay on my credit report. Accordingly, my payment history was late from the very first year. The late payment history actually dates back to XXXX. Under the rules of the Fair Credit Reporting Act, the 7-year rule applies and XXXX XXXX is avoiding the deletion of the trade line until XX/XX/XXXX. I believe the trade line has surpassed the legal limit and should be deleted immediately. This process of re-aging debts and maintaining a persons credit rating for a much longer period is essentially holding my credit as hostage. Therefore, I believe that this is a violation of XXXX XXXX pertaining to their subscriber agreement with each credit bureau. The trade line has surpassed the 7-year legal limit as to be posted as negative or sub-standard, and should be deleted immediately and permanently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 account has already bin removed due to non ownership. XXXX XXXX in the amount of {$3000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: Harley Davidson Financial Services Inc
State: MA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I post this complaint to the Consumer Financial Protection Bureau, as well as every credit reporting agency in the United States. The issue is very simple to understand. According to the trade lines posted on all of my credit bureaus, those being XXXX, XXXX and XXXX XXXX collectively, it is clear that Harley Davidson has exceeded its legal timeline to take legal action on a very old financial issue. Harley Davidson had an obligation to auction a vehicle not once, but twice. At no time was an accounting ever submitted as to the auctioning of a vehicle, or the upset price on two attempted sales. Secondly, there are two-years cut off on my payment history. I can assure the CFPB as well as evert credit bureau that the payment history was cut off to re-age the legitimate timeline as to how long the account may stay on my credit report. Accordingly, my payment history was late from the very first year. The late payment history actually dates back to XX/XX/XXXX. Under the rules of the Fair Credit Reporting Act, the 7-year rule applies and Harley Davidson is avoiding the deletion of the trade line until XX/XX/XXXX. I believe the trade line has surpassed the legal limit and should be deleted immediately. This process of re-aging debts and maintaining a persons credit rating for a much longer period is essentially holding my credit as hostage. Therefore, I believe that this is a violation of Harley Davidson pertaining to their subscriber agreement with each credit bureau. The trade line has surpassed the 7-year legal limit as to be posted as negative or sub-standard, and should be deleted immediately and permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXXXXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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 2023-12-11
Company: EQUIFAX, INC.
State: MD
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:
Hello, Multiple attempts have been made to clear my credit report from third party reporting agencies that I have not, nor had any prior business with. The report keeps coming back as verified and no solutions to my complaints. My fair consumer rights have been impacted as a result of false information, non privy information and outdated information. Equifax has neglected to correct my information shared with the public

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-19
Company: Arete Financial Group
State: CA
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 XXXX of XXXX I received a letter in the mail from a company called Arete Financial Group regarding ways to consolidate student loan debt and avoid paying accrued interest. I signed a contract with them stating that they would consolidate my loans ( at the time were 6 open credit lines through XXXX for student loans ) into one loan which is now only through XXXX. They stated by making payments to Arete, it would pay towards my loan principle and not interest, all the while I've been on deferment. Since XXXX of XXXX I made a total of 9 payments to Arete. The fee to sign up was {$400.00} which I told payments were supposed to be split into three payments. After the initial fee to sign up, payments were to be lowered to $ XXXX/month. I was charged {$190.00} for the first four months before payments were lowered. On XX/XX/XXXX, I received an email from Arete stating there is an active lawsuit between Federal Trade Commission v. American Financial Support Services ( a.k.a Arete Financial ). As of XX/XX/XXXX I was informed by a CSR from XXXX that no payments have been made towards my student loan whatsoever. I was advised by my federal student loan representative to contact the FTC and my personal financial institute to stop any further payments processed by Arete. Attached, I have supporting documents showing the payments that I made to Arete Financial Group along with the initial email from Arete regarding the lawsuit. I have already opened a case through the Federal Trade Commission which I intend to follow up with until this matter is resolved. I am requesting that Arete refund all payments that I've made to them starting since XXXX

Company response to consumer: Untimely response
Consumer complaint received 2019-12-19
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: Personal information incorrect

Complaint:
I HAVE SO MANY ISSUES ON MY CREDIT FILE I DON'T KNOW WHERE TO BEGAN. THIS IS THE SECOND TIME I HAVE REQUESTED HELP SINCE I WAS A VICTIM OF FRAUD. I would have been OK if this was addressed earlier this year. The following addresses are unknown not sure where they came from they are not mine please delete them at once : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH 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 2019-12-19
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I HAVE SO MANY ISSUES ON MY CREDIT FILE I DON'T KNOW WHERE TO BEGAN. THIS IS THE SECOND TIME I HAVE REQUESTED HELP SINCE I WAS A VICTIM OF FRAUD. I would have been OK if this was addressed earlier this year. The following addresses are unknown not sure where they came from they are not mine please delete them at once : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-19
Company: Diversified Consultants, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company DIVERSIFIED below, continues to submit this debt to credit reporting as COLLECTIONS, even though this is not my debt. Over the last few years, once a year, DIVERSIFIED reports this debt, forcing me to dispute and REPEAT the fact that this is Not my XXXX PHONE ACCOUNT DEBT. I have been XXXX since XXXX and i would NEVER have a XXXX phone. There is no WAY to have a XXXX ACCOUNT without a SIGNED CONTRACT. There is no signed contract by me because this is not my account with XXXX. This debt collection refuses to provide a SIGNED CONTRACT with my name proving this account/debt is mine, in repeated violation of FCDPA. This firm has tried to extort payment from me or they threaten me with COLLECTIONS REPORTING. 
Again, not my debt. There is no signed contract with my name. 
This Report cost me 39 FICO Points. 
CC : Colorado State AG Alert Date XX/XX/XXXX Source XXXX  Company DIVERSIFIED CONSULTANT Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone XXXX Activity Grid Code G ( Collections ) Balance Date XX/XX/XXXX Balance {$750.00}

Company response to consumer: Closed with explanation