BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX now XXXX homeless XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2022-07-18
Company: Receivables Performance Management, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Receivables Performance Management LLC notified me of a debt of XXXX $ that the original creditor denies, I then informed RPM on XX/XX/22 that I dispute the debt and to please provide verification of debt. as of XX/XX/22 they have failed to verify debt and have continued to send an attempt to collect the debt dated XX/XX/22

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: Aargon Agency, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company, which I hold no contract with nor received services from, reported a collection account against my SSN in the amount of {$320.00} with XXXX, XXXX, & XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for services or goods they have provided nor have they provided adequate proof i am not obligated to pay the alleged debt.

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 2023-09-09
Company: EQUIFAX, INC.
State: GA
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 am writing to formally dispute and register a complaint regarding the repeated inclusion of inaccurate addresses and collections on my credit report. These inaccuracies have caused me significant distress and have adversely affected my creditworthiness. I have attached a copy of my credit report highlighting the disputed entries for your reference. I have identified several instances where incorrect addresses have been associated with my credit report, as well as collections that I believe have been inaccurately reported. These discrepancies have not only been a source of frustration but have also hindered my ability to access credit and secure favorable financial terms. I would like to emphasize that I have never resided at the addresses in question, nor do I have any knowledge of the collections listed on my credit report. These inaccuracies are causing unwarranted harm to my creditworthiness, and I am committed to ensuring that my credit report accurately reflects my financial history. I kindly request that you conduct a thorough investigation into these discrepancies as required by the Fair Credit Reporting Act ( FCRA ). Specifically, I request that you : Verify the accuracy of the addresses listed on my credit report and promptly remove any addresses that are not associated with me. Investigate the collections listed on my credit report and verify their legitimacy. If any of these collections are found to be inaccurately reported or not mine, please remove them immediately. I also request that you provide me with a written response within 30 days of receiving this complaint, outlining the actions taken to correct these inaccuracies. If you require any additional documentation or information from me to facilitate your investigation, please do not hesitate to contact me. Please assist me to delete these following inaccurate addresses and collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-18
Company: EQUIFAX, INC.
State: TX
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:
Multiple times I have requested to have every piece of information investigated and verified on this account ( XXXX XXXXXXXX ). ( XXXX XXXX XXXX XXXXXXXX ) According to the FCRA XXXX the term " investigative consumer report '' means a consumer report or portion thereof in which information of a consumer 's character, general reputation, personal characteristics, or mo

de of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with other with whom he/she is acquainted or who may have knowledge concerning any such items of information. I have received responses that the account is verified, but how is that possible if every piece of info on this account is not reported accurately? Clearly, according to the law, a proper investigation has not been completed. According to the FCEA 15 USC 1681, everything has to be 100 % accurate. I have attached updated reports ( after being told that everything is verified/accurate ) showing that that is in fact not the case, things are still being reported inaccurately, so clearly a proper investigation w
as not completed. 

accounts : ( XXXX XXXX ). 
( XXXX XXXX XXXX  XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I recently received a letter from bank of America XXXX indicating that my claim was approved since I can then I haven't been able to log in account I'm getting letters of money thats been in my account they keep sending me bank cards that don't have money I called and everytime they keep making mistakes filling claims that I dind athorize my balance that I rember was XXXX on XXXX been reporting fraud since then now bank of America XXXX is still doing fraud under my name no deactivating my cards that are under my name and every time I called they say sorry for that mistake it's been 6 months and now they're only giving me XXXX with a claim that I already been approved but some how they keep filing claims that I dind athorize I been to the bank with two forms of id and XXXX been reporting fraud but dind thave n't even tried to stop it since XX/XX/2022 to XXXX XX/XX/2022 they keep saying sorry for the mistake not updating my information correctly filing a vlaint but making claims I dind aothorize this is not my fault I followed the process to stoping fraud but the XXXXXXXX XXXX of America is doing fraud under my name please help me I stress out I can't eat I recently gone thru a divorce they put child support on me I can't work because I lost my document and now my only savings that I had are gone I had a balance of 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 2022-10-24
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2018-11-21
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: Investigation took more than 30 days

Complaint:
Private Student Loan Account has been disputed with Equifax Credit Bureau. It continues to update monthly showing as over 120 days late. The Loan was originally with XXXX XXXX XXXX. The account was included in a bankruptcy and is not backed by the government. Each time I dispute the information and submit proof from my Bankruptcy it shows that it was verified with the lender. When I called Equifax to get the contact information for the company the number I was given was XXXX. That number is no longer in service. The website for XXXX XXXX XXXX only has a mailing address and email. I have written both with no response. The other two credit bureaus : XXXX  and XXXX both show that the account is closed and was listed in the Bankruptcy. 
This has been disputed 4 times. XX/XX/2018XX/XX/2018, XX/XX/2018 XX/XX/2018, and again todayXX/XX/2018. I have no options to speak with some one to clear up this account one way or another.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: EQUIFAX, INC.
State: FL
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:
on XXXX i submitted through register mail my FTC Identity Theft report along with a cover letter, 609 B letter, copy of my driver licensee explain that the hard inquires and 4 closed and open accounts were not mine. i mentioned that i was a victim of identity theft and they just keep ignoring my disputes and documents. i called all 3 credit agencies and they mentioned that they did not received it. i have the copies of the registration mail and i tracked it where i know they received the complete package for these disputes. 

please i was reading that you guys the CFPB can help me and hopefully all 3 bureaus can finally get these fraudulent accounts deleted on XXXX i submitted online the same information and uploaded all the same documents. they said they never received it please i need some help ASAP i'm closing on my home

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
I submitted a 1099C to the company " Credit Acceptance '', which was mailed back as accepted. I called the company several times between XX/XX/2023 and XX/XX/2023. Today I called several times so that I could speak with the compliance department as advised by a representative yesterday. The representative that I spoke to today transferred me to the compliance department where I spoke to a person named XXXX, who would not give me her last name and quoted her last initials and a number for her last name ( I am not sure if this was a recorded line ). XXXX was very intimidating, angry, deceiving, and aggressive while communicating to me that I owe a debt they ( Meaning your company ) do not accept 1099, and they would have never mailed me a return. She continued to be hostile and sassy, continuously saying this and telling me that you only accept payments. At this point, XXXX has caused a problem, because my 1099C was accepted and if the copy does not zero out my account they will be in violation of the federal income tax law.

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 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report. It has been over XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-07
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Last XX/XX/XXXX, I received a statement of account dated XXXX XXXX, XXXX from Wayfair for a purchase I made way back in XX/XX/XXXX. Because the purchase was a good 10 months ago, I am almost certain I had already paid for it, because I always make it a point to pay my credit card bills on time and in full. So on XX/XX/XXXX, I called Comenity ( the bank that issues the credit card for Wayfair ) to make a dispute. 

I received a response last week from Comenity ( dated XX/XX/XXXX XXXX, saying that there was an error in processing, that the XX/XX/XXXX purchase was charged to my Wayfair account, but it did not post until XXXX XXXX, XXXX. They also said I should provide the receipt and documents proving my payment. 

I do not hold records as far back as XX/XX/XXXX. My husband and I were paying so many bills because we were renovating our house then. Not one of the suppliers or merchants complained, because we were paying religiously. 

I could only show them that my online Wayfair account shows a balance of only {$4.00}. I also just decided to send them a check for {$160.00}, the purchase amount, just to get it over with. 

What upsets me is that they said they already informed the credit bureau reporting agencies ( XXXX, XXXX, XXXX and XXXX ) about the incident. The dispute is not even settled, yet they already dragged my name to those agencies. They jeopardized my excellent credit rating, on a debacle that they created. 

My friend told me last Monday that the same thing happened to her with Wayfair/Comenity. They were charging her for something that she already paid. She filed a dispute with proof of payment. But it's been a year now, and the issue is still on her credit record. She has repeatedly tried to call Comenity to request that it be stricken off her credit records, but has been told that they don't have a department or contact person in charge of it. On top of it, my friend says that the same thing happened to her mother. 

What is it about Wayfair-Comenity? They are suspect if not just plain inefficient. They should not blackmail their customers with credit reports, specially since these incidents were not the fault of their customers, but Wayfair-Comenity 's to begin with.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-17
Company: Receivable Management Group, Inc. (GA)
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The collection account on my XXXX credit report is not accurate. 
Rec Mgt Grp ( original creditor : XXXX XXXX XXXX ) - XX/XX/2021, {$770.00}

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 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
As the federal government agency charged with implementing and administering the federal consumer financial laws, the CFPB is committed to ensuring that companies follow the law. For that reason, the CFPB and the Federal Trade Commission ( FTC ), which together with the CFPB helps enforce fair credit reporting laws However, the FCRA requires procedures to assure accuracy, and the fact that a CRA obtains information from another source simply does not mean that the information is free from error These CRA 's erroneously are reporting inaccurate information on my consumer file and requesting me to provide them with personal information pertaining to my person, however, are allowing 3rd party furnished to provide them with personal information to be included in my consumer report, this constitutes fraud and defamation of character. 


The FCRA regulates consumer reporting agencies ( CRAs ), which includes any entity that, in exchange for monetary fees, regularly engages ... in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties. 15 U.S.C. 1681a ( f ).

A credit reporting agencys reliance on a reputable furnisher may be evidence that the credit reporting agency followed reasonable procedures. However, contrary to the district courts holding, reliance on a furnisher does not categorically insulate a credit reporting agency from reasonable procedures liability under section 1681e ( b ).

If a CRA willfully fails to comply with any requirement of the FCRA, it may be held liable by a private plaintiff for actual damages of not less than {$100.00} and not more than {$1000.00} per consumer. Id. 1681n ( a ), ( 1 ) ( A ). If a CRA negligently violates a provision of the FCRA, it may be held liable for the actual damages arising from the violation. Id. 1681o.

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 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently filed a complaint with the CFPB. The company responded by saying that they are not responsible for inaccurate information that is posted about this account to the credit bureaus. The company has verified as Accurate to all three credit bureaus stating that their information is correct. The company also responded to the CFPB, still maintaining their information is accurate despite different information being shown in the credit report. The company furnished information that shows the inaccurate information in their response. Their response shows payments I have made, that are not reflected with any of the credit bureaus. 
I also reached out to XXXX XXXX XXXX, in reference to her inquiry and explained what the issues were on the account. With no response to my response. In the response to CFPB it said she was unable to link up with me. I have attached email showing my reaching out to XXXX XXXX. 
According to the law, I have a right to accurate reporting. 15U.S.C. 1681 s-2 ( A ) ( 1 ), it is
unlawful for a person to furnish any information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is incorrect. 

I have made the company and XXXX XXXX XXXX aware of the issues, and yet the company refuses to take action. This is not only unfair but unlawful.

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