BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-03
Company: EQUIFAX, INC.
State: VA
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:
Account # XXXX I challenged the accuracy, compliance and reportability of this listing. Please validate and have them provide method of validation on this information from XXXX XXXX and ask them to provide me with copies of the original contract and validation associated with this account, bearing my signature. This has account has been updated with activity and this is a closed collection account. The term duration on account as states 1 month which inaccurate. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ].

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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:
See attatched USAA statement XX/XX/XXXX. Summary of Account Activity shows beginning bal. of {$1.00}, XXXX minus Other credits of - {$2.00}, XXXX - - {$1.00}, XXXX owed at this point. minus the Total Credits for this period listed separately/merchants credits. - {$910.00} Add New Purchases NOT CREDIT REVERSALS Less than + {$870.00} DOES NOT EQUAL NEW THE BALANCE MATHMATICALLY. **Please note XXXX XXXX {$120.00} is a new fraud investigation XX/XX/XXXX. NOT XX/XX/XXXX AS USAA MAINTAINS. USAA can view the adjustment purchase to begin a fraud investigation {$120.00} XX/XX/XXXX on a purchase paid by merchant in XX/XX/XXXX?? Huh?? I did not buy this item returned to the store back! Forced by USAA TO BUY BACK 2 RETURNED ITEMS from. XX/XX/XXXX in XX/XX/XXXX.total {$340.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
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: Credit inquiries on your report that you don't recognize

Complaint:
There are addresses, collections and inquiries that are fraudulent. I have mailed a number of letters and documentation with no response. 

The following collection accounts that are fraudulent and connected to addresses that do not belong to me include XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$510.00} ), XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ), and XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). 

the inquiries are XXXX XXXX XXXX ( on the dates XXXX XXXX, XXXX, XXXX XXXX, XXXX, and 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, and XXXX/XXXX ( XXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: Exeter Finance Corp.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Exeter Finance has made incorrect reports on the status of my account to the credit bureaus on. On XX/XX/XXXX I received XXXX and XXXX notices that my Exeter account was reported delinquent, when that was incorrect as I set up autopay on my account in XXXX and it was in a current state then. I was notified that my EF account was incorrectly reported 30 days past due on XX/XX/XXXX, not only was it not past due, but the false report caused my credit score to drop by 100 pts, which is unreal. I have not had a missed or late payment on this account and it was very discouraging to have this reported incorrectly and affect my credit in such a way. 

I have not had such an experience with any other creditor and consider EF as a contributing factor in helping me to improve my credit over the years. Following the this incident, I just went ahead and paid off the {$13000.00} on the loan to be done with them altogether. I tried to file a dispute through the company, but the representatives kept giving me incorrect email addresses to sent my evidence to, all which bounced back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-30
Company: Resurgent Capital Services L.P.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Pursuant to USC 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC1681 b. 2. Company has also NO permission to report ANYTHING using my info pursuant to 15 USC 1681 4. 

I would like the following accounts removed : LVNV FUNDING LLC : ACCT : XXXX XX/XX/XXXX {$340.00} XXXX XX/XX/XXXX {$450.00} XXXX XX/XX/XXXX {$650.00} XXXX XX/XX/XXXX {$250.00} XXXX {$430.00} XXXX XXXX XXXX ACCT : XXXX XX/XX/XXXX {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
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:
This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Reporting these items as unconfirmed information is unacceptable without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
XXXX XXXX XXXX Says Income-Based Repayment Plans Cancelled. Student loan servicer XXXX has been hit with a class action lawsuit alleging the company improperly cancelled income-based repayment plans for borrowers.XX/XX/XXXX XX/XX/XXXX- Since the start of XX/XX/XXXX, at least 19 retailers and consumer companies were hacked and likely had information stolen from them. Many of these breaches were caused by flaws in payment systems that were taken advantage of by hackers. Retailers who suffer data breaches risk losing ...

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 2023-12-08
Company: EQUIFAX, INC.
State: NJ
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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 

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 explanation
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: TX
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:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : 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 2023-05-31
Company: EQUIFAX, INC.
State: NC
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: Problem with personal statement of dispute

Complaint:
Date XX/XX/2022 Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} I have disputed this inquiry with XXXX and XXXX This inquiry was canceled before going to collections My privacy has been violated under Section 604 15 U.S Code 1618B Section 605 A 15 U.S Code 1618 C-1 Section 605 B 15 U.S Code 1618 C-2 My personal information was illegally sold to the collection agency after I legitimately cancelled the insurance with XXXX XXXX XXXX XXXX My car was repossessed and I no longer had use for the services When I checked my credit report XXXX XXXX had sold of a debt that wasnt old Without me consenting to my personal information being stolen and used to collect money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-10
Company: AmeriCollect
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/ I received a letter dated XX/XX/ in response to my first debt validation letter. Attached to this complaint you will see, the response has failed to verify the information and debt. The letter also states it is going to report to all three ( 3 ) major credit bureaus to update the incorrect, invalidated debt. 
You are currently reporting debt to my credit report { {$170.00} } and as allowed under the Fair Debt Collection Practices Act, I am requesting that you validate the alleged debt. Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX  to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my WET SIGNATURE with the provider of service to release my medical information to you CEASE ANY CREDIT BUREAU REPORTING UNTIL DEBT HAS BEEN VALIDATED BY ME. Please send this information to my mailing address listed above and accept this letter as my SECOND FORMAL DEBT VALIDATION REQUEST, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NM
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have had ongoing issues for approximately 3 weeks with USAA locking me out of my bank accounts ( checking and savings ) and the mobile app. This morning I discovered that USAA initiated a " security review '' on XX/XX/23 and I am unable to log into my accounts for 7-10 days from that date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: WLCC
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I took out a title loan in XXXX of XXXX. I was injured in a car accident on XX/XX/XXXX and was unable to work and the vehicle was totaled. My auto insurance carrier denied my claim on the grounds of misrepresentation so they did not pay my work loss benefits. I was unable to make the payments as agreed, and I made the creditor aware of this immediately. I had to file a lawsuit against my insurance carrier to get my past due work loss benefits and medical bills paid. I was terminated from my job as a result of the time I missed from work due to my injuries in XX/XX/XXXX. I am still unemployed and made XXXX XXXX aware of this. I have applied for social security XXXX but have not received a decision yet. XXXX XXXX title loan is calling my loan references that have no financial obligation under the title loan, as part of their collection activity.. I have asked them on several occasions to stop calling my references, and they refuse to comply. I want the harassing phone calls stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
After sending the credit bureau multiple letters. I even decided to call and spoke with an agent who didnt speak really good english and I was hung up on with still no help. They are reporting an account on my credit report for XXXX XXXX XXXX account XXXX.I have NO CONTRACT with the company.

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 2023-09-30
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company LVNV, Resurgent still continues to report on my credit by continuing to violate my consumer report. I have now filed a police report and ftc report and attorney general report. Your companies continue to pass my consumer report amongst each other extorting my credit causing harm against me without proof of any kind. Be advised pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g you failed to provide validation. Now I am sending you a cease and desist next will be legal actions. You have been reporting invalidated information to my credit bureaus ( XXXX, XXXX, or XXXX ) this action now constitute fraud under both Federal and State laws. Due to this fact if any negative mark is found on my credit reports upon receipt of receiving this notice. Any company you represent, any attorney that represents you or the companies that are attach to you or that represents you. I will not hesitate in bringing legal action against you or any parties. Let me remind you, you have been also in Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. Cease and Desist of reporting anything on my consumer report. Also from selling my signature or any information of mines to any other companies, Any fake Attorneys or any other companies that are tied to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: EQUIFAX, INC.
State: MI
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:
on XX/XX/XXXX I reached out to XXXX, XXXX, and Equifax via cell phone concerning credit inquiries that i did not authorize. I explained to the customer service reps that I am constantly receiving emails with offers from various credit card companies offering to extend me credit, and that if i put the last 4 digits of my social security numbers in that i could check how much credit i could qualify for without it reporting to my credit profile, But when I checked my credit report i discovered that i had in fact received hard inquires from those credit card companies. The representatives from each company ( equifax, XXXX XXXX, ) Told me that they could not me remove those inquires from my credit profile even though the FCRA says I have a right to dispute any unauthorized items that may appear on my credit profiles. These companies house our information without our permission, and when something is wrong or inaccurate they treat you like you are wrong about your information, and that there is nothing that can be done when your credit profile is being reported inaccurate. XXXX XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXXXXXX XXXX ( XX/XX/XXXX ), these inquiries was not authorized by me, i gave no one permission to access my credit profile, nor do i have any accounts with these companies who accessed my profile with out my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
About two weeks ago, I garnered the courage at XXXX to flee an abuse relationship to the opposite side of the country : XXXX XXXX XXXX CA XXXX I got into my car, got onto I-10 and began the 2500 mile drive to a new life. I had no job, no plans, just a few hundreds in savings, a car, and a hope for a better future. I stopped at a XXXX  truck stop fueling station in the middle of the night to take a shower in XXXX XXXX, CA, where I later realized I had lost the binder containing all of my credit and debit cards and bank documents. I started reviewing bank statements and apps, soon realizing that my Fifth Third bank card was being used all over the local area it was lost in. I attempted to stop the bleeding by calling XXXX XXXX  call center, but found that it is only open from XXXX EST, yielding me no other option than watching almost all of my funds drain by the time the call center finally opened. 

I called the bank, explained my situation, and was told that I could not receive a new card for three weeks at a minimum, and a provisionally fraud credit was promised within eight days. Its been now two weeks and have received no documents related to my case, no provisional credit, no assistance whatsoever, from the small town bank that I placed my trust in. 

Im facing some of the darkest days of my transition, and facing default on debts because of the fraud this other individual imposed on my account. 

Help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-30
Company: EQUIFAX, 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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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