BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
Please see attached. Trans Union made up this address because they're inept fools! Then they can't take it off???? A mistake THEY MADE ON MY CREDIT THAT STILL EXISTS THERE TODAY WHEN I RAN MY CREDIT?????? Well this is the last chance they get. I'm prepared to make this legal. I'm tired of filing these complaints and will use everything attached, including all of my renewal payments and the fact that the other 2 bureaus have the correct address on file and prove it with bills from the day I started using the POB. I will file suit for {$500000.00} against them because this is now going on 1 YEAR I've been demanding they remove that incorrect address that they made up and screwed up off of my XXXX credit report!!!

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 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not consent to, authorize, nor benefit from any of the following inquiries. I want them blocked & removed immediately. XXXX ( Retailer ) XX/XX/2023 XXXX XXXX ( Finance ) XX/XX/2023 XXXXXXXX XXXX  ( Finance ) XX/XX/2023 XXXX XXXX ( Bank ) XX/XX/2023 XXXX XXXX XXXX Bank ) XX/XX/2023 XX/XX/2023

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 2023-02-16
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:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: Kimball, Tirey & St. John LLP
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company is trying to collect an amount that is owed to a military housing complex. The amount they are seeking is incorrect and more than the amount that the XXXX XXXX servicemen and his spouse ( myself ) were told. We were under the impression that this amount had been taken out of the paycheck per the agreement with military housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
On XX/XX/2019.A Capitol One account was open in my name.In the month of XX/XX/XXXX I notice that Capitol One was not reporting payments made, credit usage and credit information to the three credit bureaus. 
I contacted Capitol One requesting them two weeks ago to please update my payments and credit usuages on Time to the three bureaus.I even sent out a certified mail towards Capitol One P.O. Box disputing department center as requested by agent.Havent seen nothing change.I call capitol one keep saying its reporting to all three credit bureaus, when I call all three credit bureaus.The credit agencies saying they see no file or credit date open. 
Now today XX/XX/2019 my XXXX score of XXXX went down to XXXX.Becuase Capitol reported inccorrect information to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: Experian Information Solutions Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
( I thought I would include Experian in this group ) Since Dealer Track is in partnership with XXXX XXXX XXXX XXXX, I would like The Experian and XXXX XXXX  to answer me and the Consumer Financial Protection Bureau what is Experian and XXXX XXXX is agreeing with XXXX XXXX XXXX of XXXX with? That is on attachment c-3, as it states on page three under Federal Notices If appliable to transaction, to help the government fight terrorism and money laundering activities, Federal Law requires financial institutions to obtain, verify and record information that identifies each person who opens and account. Please explain exactly what is being said in very descriptive Essay to The Consumer Financial Protection Bureau and myself, XXXX XXXX XXXX? 
Furthermore, under Federal Notices it says, What this means for you is when is that you will be ask your name address, birth date to identify you, you may also be asked your driver 's license? That does not even come close to explain what the top half of the paragraph meant. Why the confusion and delusion? On Document labeled attachment B XXXX XXXX states I ask for the interest rate after he went over different options. Now wouldnt I have asked for the rate at the first option? 
Second point 9.5 % APR for a car loan at my exception credit ( credit bureau summary attached His he, are even you guys out of your mine? 
Third point why did it take all day ( approximately 15 minutes ) to get down to 6.39 %? 6.39 % should have been the first and only option. 
Fourth point, on page one how did XXXX XXXX get my social security number? I did not give it to him. I do not carry my social security card in my pocket. I have not needed it in years and years. 
XXXX XXXX, what does XXXX XXXX mean by they can not comment on explicit or implicit comments made by customer and dealer. I never said anybody said anything verbally. Now obviously XXXX XXXX XXXX of XXXX reported to XXXX XXXX that either customer and or dealership said something explicit verbally and I want to know what was said to XXXX XXXX by XXXX XXXX of XXXX in their last Consumer Financial Protection Bureau report.

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 2023-08-15
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 these items were erroneous. The 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 need to be investigated and corrected for 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

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 2023-09-07
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
The mortgage company an my ex wife put my house on a covid19 payment plan with out my permission i find out because i received a foreclosure notice i try work thi out they told me if i paid all payments they will not put my house in foreclosure an remove all the late payments before XX/XX/XXXX when i call them they told me they don't have any record off that they destroy me an my kids life my credit history with 28 late payments an i end up saling my house for XXXX have a price i loss my job too

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 2023-02-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/2021 I was charged {$800.00} from a company calledXX/XX/XXXX, for a service That was never delivered I contacted the Company and they statedXX/XX/XXXX me, I told them I paid for the service please deliver it, after many days that I waited I realized I got scam and my credit and personal information had been compromise I reached out to Capital One, and explained the situation just to get a letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: JPMORGAN CHASE & CO.
State: SC
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:
Report Id number Credit Reporting agency ; XXXX Called in On the following date- Monday XX/XX/2019. Spoke to an Credit dispute department at chase per phone call, the agent did agree, the Banking details where place incorrectly / there was a call of correction that were made Prior call give indication payment was process as a ( Payment missing digit ) was told by chase agent that late fees where removed/ and was told it wouldn't update or report. to Credit Reporting agency and awardances of XXXX airways points would be added to my account as well. As it show there are no late fees are payment reversal fees they have been Corrected and Credit. The reason for my contact by internal Message is to reqest the removal of these late payments on the Credit Report. As you may review the account all payments are up to date. everything has been Correct the most important Correction would be to the Credit Reporting agency. As it shows perdate of XX/XX/2019 potentially damaging update this card has provided me an Great travel experiences. and with my great payment history for the past 10 years of Credit history, I would like to continue the usage thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: Professional Placement Services, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Professional Placement Services refuses to cease their illegal defamation of my character by alleging I owe them a debt. Their stalling tactics have exceeded 30 days as required by law and is now going on XXXX months since they promised to validate this alleged debt on XX/XX/2021 with the CFPB as my witness.They NEVER communicated with any of the credit bureaus to report this as disputed per federal law. They never even sent anything in the mail to the address they have on file for me and are impeding on my right to extend credit. I have been denied credit because of this horrible blemish on my credit report. They are committing aggravated identity theft by continuously reporting this false information to third parties. This is my last attempt before litigation is pursued. Give this the attention it deserves.

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: Credit inquiries on your report that you don't recognize

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. 
XXXX XXXX XXXXXXXX XXXX  XX/XX/2022 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. these accounts listed are fraud i did not make these inquiries i spoke to the reporting agency and they have violated my rights by not removing these inquires ASAP

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 2023-04-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Portfolio Recovery Associates , LLC bought my debt from a collection company and is now taking me to court for a debt that is 8 years old and is not even on my credit report. They have involved my husband 's work to garnish my wages. I only worked for them for 2 weeks last year as help and now is going after his company to garnish wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To whom it concerns, I have requested an investigation by the three major credit bureaus for the following debt collectors : I C System. This company opened an account using my personal information with no authorization from me. I C System has reported to The Bureau that the accounts of the alleged debt are open and active but listed under derogatory marks. How can an account show open under a collection status? I requested from all three bureaus ( XXXX, XXXX, and XXXX ) an investigation for this company, and the process has not started. XXXX sent a response letter providing me with the contact information for the debt collection company in which I have already sent a validation letter. I C System has reported an incorrect illegal account to The Credit Bureau without consent from me. The Bureau reported that the account was valid. I spoke with this company and explained that the devices were returned to the alleged Original Creditor. The Original Creditor was listed on my credit as XXXX XXXX which is incorrect. I am a consumer which makes me the Original Creditor. I also explained that the final bill was paid, and the account was closed. I requested that I C System provide me with a contractual agreement between them and I containing my signature. The document requested should show that I agreed to open an account using my name, address, phone number, social security number, etc within their establishment. I do not owe this company and the alleged debt has already been paid. This tactic is listed in the U.S. and State law as identity theft and has been violated. They assigned a company identifier number with my personal information attached for an alleged debt that I do not owe. According to 15 USC 1692 d : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. I have multiple denials from major companies due to this oppression.

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 2023-10-14
Company: Experian Information Solutions Inc.
State: IL
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:
Improper and inaccurate information on my Credit Report, from Equal Fax that in includes. False information from XXXX XXXX, that was Prepaid in full by where of ALL ACCOUNTS are Prepaid see. Title 31 section 3132 Payment of the public interest on the public debt. see title 31 section 3130. Title 18 section 8 Obligation or other security of the Unites States, more importantly see Title 31 section 3124 of the United States Exemption from Taxation. MCM is harassing causing Irreparable harm and trying to extort me of an amount of XXXX where it is paid to the Bearer in full whereas by Law they must Accept for Value and return the debt instruments legal tender of the United States which in the UCC 3-306 / UCC 1-304 / UCC 3- 306 without prejudice and recourse 1-308. This is EVIDENCE OF DISHONOR. again, MCM ( violation of 15 U.S.C 1692b ( 2 ) ) a state i do not live in and is Tring to collect a DEBT of XXXX that's prepaid in full XXXX # XXXX, that was ( XXXX ). Also First premier Bank balance was paid in full XXXX # XXXX XXXX XXXX XXXX, These accounts was paid off ( XXXX ) to the XXXX either by, insurance or. using my social security card trust fund account without my permission filing a 1099a allegedly. Wherefore XXXX XXXX  use this fraud information to lower my XXXX XXXX wantonly, and deliberately. Some of or all of these company 's reporting to XXXXXXXX XXXX  does not have pursuant FAFA of XXXX as amended. Violation of UCC 3-305 ( c ) and 3-601. for I'm left without action or recourse _NO REMEDY AVAILABLE. " Liability DISCHARGED, without prejudice Pursuant to UCC 1-207, 3-305 and 3-601. Receipt of government " benefit is under PROTEST, pursuant to UCC 1-207, 1-308 and 3-305 ( c ). Wherefore I am already a victim of Equal Fax security breach from 2017. 15 U.S.C 1681 section 604 ( 2 ) States i have a right to privacy. this is willfully FCRA violations in which i Fraudulent willful intent by two or more Officials, whereas in title 18 U.S.C 2831 is Treason. U.S.C section 1692 ( F ) unfair practices ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ) ( 6 ) - ( A ) ( B ) ( C ) - ( 7 ) ( 8 ) as amended Oct 10 2023. 15 U.S.C 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) ( i ) ( ii ) FCRA 623 and FDCPA violations 15 USC 1692c ( c ) and to many violations to mention unbeknown to me at the time of complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: OneMain Finance Corporation
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I received an email and prequalified offer from One Main Financial XXXX, Florida branch which stated I qualified for a {$3400.00} unsecured loan and a {$7600.00} secured loan, then after they collected all my documents, pay stubs, bank statements and drivers license they denied the loan. I believe it is based on my name and XXXX. This branch can be contacted at ( XXXX ) XXXX. They asked me to get a co signer which I find discriminatory and ridiculous.

Company response to consumer: Closed with explanation