BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-07
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am in the process of applying for a home mortgage. 

I misplaced my passwords and/or PINs for the three major credit reporting institutions : Experian, XXXX, and XXXX. So, to preface this complaint, if I had 100 % fidelity in regards to password/login/PIN management, you would not be hearing from me now. 

On Friday, XX/XX/XXXX, I spent ~ 90 ' trying to undo my error. I was successful with both XXXX and XXXX. The 45 ' I spent that evening working w/ Experian resulted in me reaching a dead end electronically and via phone. I was provided a piece of paper advising me to send ( via mail, no less ) a copy of my driver 's license, a copy of my original SS card, a bank statement with my address, and a utility bill with my address to Experian in XXXX TX. 

Due to being under some time constraints, I have spent ~ 45 ' on the phone with Experian personnel on XX/XX/XXXX and XX/XX/XXXX. Much of that time is on hold as Experian has many roadblocks in place to ensure that speaking with an Experian employee is difficult. Yesterday, I reached someone at the supervisor level who, I thought, was helpful. That individual instructed me to upload the above documentation to Experian ( via a web address ) and then call back the next business day. When I did that today to discuss my request for a new PIN number, I was told that uploading my documentation to Experian and then calling was not sufficient for their purposes and I was again advised to mail my documentation to them, whereupon my documents would be acted on within 10 business days and that I would receive a response via US Mail. As of this complaint, I have sent my documentation to Experian via XXXX XXXX  this afternoon. Included with that was a memo I drafted requesting a phone call and/or email response to expedite resolution of the impasse in which I find myself. 

I'm all for security, but I don't like being held hostage. This company is off the rails. I have the luxury of time prior to a potential closing date to overcome their lack of helpfulness. However, if this were not the case, my life could be substantially derailed by their inflexibility in the service of security. This is particularly ironic in the case of this company which has had at least one significant data breach in the past. In XX/XX/2019, for a company with this power to be doing all of their work via paper through the mail, is laughable from the perspectives of both wasted time and security.

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 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 explanation
Consumer complaint received 2019-02-07
Company: Ability Recovery Services, LLC
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:
On XX/XX/XXXX, I sent Ability Recovery Services a certified letter requesting information on a collection of {$610.00} that is on my credit report. I asked for proof showing that this is my debt and I also asked that if they couldn't provide me with this information, to please remove the collection from all 3 credit reports so that they can reflect accurate information. 

On XX/XX/XXXX, Ability Recovery Services responded with a bill from their company and also a bill from the XXXX XXXX XXXX , XXXX, the collection agency that they purchased this account from, but I didn't receive anything from the original creditor where it shows that this is my account/charge/bill. 

I then submitted all of this information to all 3 credit bureaus, XXXX, XXXX and XXXX. The credit bureaus disputed this with Ability Recovery Services as well and they couldn't provide the credit bureaus proof that the account was indeed mine. On XX/XX/XXXX, I am writing CFPB to get them to remove this {$610.00} charge off of all 3 credit bureaus since they don't want to voluntarily do it and they can't provide me with proof. 

My certified letter was sent to : Ability Recovery Services XXXX XXXX XXXX. 
XXXX, PA 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 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
The unverified items indicated below reporting on my credit report in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I'm looking forward that the disputed items will be corrected immediately. 
XXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2023-02-01
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 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 2021-01-30
Company: EQUIFAX, INC.
State: NC
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 AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: EQUIFAX, INC.
State: MA
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:
I have an unauthorized hard inquiry from a company named " XXXX XXXX '' on my Equifax credit report from XX/XX/2018. I called the telecommunication company XXXX and their credit department insisted that they did not make the inquiry. Equifax declined to provide any contact information of this company and refused to remove this inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Hello, I have been having an issue with Transunion in regards to false information that is being reported on my credit report. I have tried resolving this issue multiple times by communicating with them via certified mail and they refuse to fix the issue. They are falsely reporting an account that does not belong to me. 

XXXX XXXX XXXX Account # XXXX I have mailed out multiple attempts to resolve this issue with no help from them. 
I have mailed out items in XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 and most recently in XXXX of XX/XX/2020.

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 2023-03-03
Company: SYNCHRONY FINANCIAL
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XXXXXXXX XXXX Synchrony bank closed my sams Club Mastercard with no notice, within days of that they also closed my JC Penny Card and Lowes Card also without notice. 
They stated that they thought I was going to not pay my accounts. I should note that I have NEVER missed a payment or been late and usually my cards are paid in full by the due date. All of the above cards have a ZERO balance. They are refusing to pay the approx XXXX in cash back they currently owe me stating that because they closed the account that cash back is FORFEIT By closing those accounts they reduced my available credit almost XXXX and caused an 80 point drop on my credit score.

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 2019-10-30
Company: Medical Society Business Services, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company ( Bureau of Med Econcs ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.

Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Division of Finance is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.

Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. 
Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX : House of XXXX ). 
1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement.

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
State: CA
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 is my 5TH endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  Inquired on XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 have hard inquiries on my TransUnion credit report that are fraudulent because they were not authorized by myself and should be removed. The inquiries are as follows : XXXX dated XX/XX/XXXX XXXX dated XX/XX/XXXX XXXX dated XX/XX/XXXXXXXX XXXX XXXXXXXX dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX XXXX dated XX/XX/XXXX I sent several letters to TransUnion disputing these inquiries and called their office as well with no success. I did not authorize these inquiries and TransUnion has not provided any written proof bearing my signature indicating that I did. The above listed inquiries are being fraudulently reported on my credit report by TransUnion.

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 2019-08-26
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On or before XX/XX/2018, I sent out a registered mail to the following companies who was working on behalf of ( CACH LLC ) RESURGENT CAPITAL SERVICES and XXXX XXXX XXXX, XXXX. 

I requested each to produce all documents evidencing their right to act upon the conditions to collect such debt and produce all documents evidencing showing breach of any condition of the promissory note tendered by me. 

I was in need of a paper trail tracked all the way back to the original lender with no gaps in the chain of custody. No one could provide me with the information I was requesting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
State: LA
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
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: Account information incorrect

Complaint:
XXXX XXXX  report inaccurate balance. XXXX XXXX  credit card is a XXXX balance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: EQUIFAX, INC.
State: PA
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:
Ive wrote several certified letters to the creditor and credit bureau and told them this was not me. I asked them to provide me a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay the alleged amount. Theyve failed to provide me with a copy of any alleged contract bearing my signature. 

The collection is as follows : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: Chime Financial Inc
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
To Summarize what happened in Simplicity the DUA/PUA governmental payments that was made to my Chime bank account owned by the XXXX XXXX  on XXXX XXXX of 2020 MA DUA deposits {$7000.00} into my account money that is owed to me the following day not even 24 hours CHIME bank decides to close my account due to violation and the violation is too many deposits at once so I email them because they have no other form of communication you cant even call to speak to an actual human being and within the email I stated how this is money from the government and I have full proof and credentials for they then email me back stating to contact the MA DUA/PUA and explain what happened they then informed me that the bank itself who closed my account must return it he funds from where it came it has been over a month now waiting and nothing has happened I need help please

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

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 non-monetary relief
Consumer complaint received 2020-09-14
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Bottom line : Toyota financial is reporting late payments to the credit bureaus on a loan that I've already paid off and has a XXXX  balance. 

Background : I took out an auto loan with Toyota Financial for {$27000.00}. 

I paid off the entire balance so my account online was showing {$0.00} dollars. I spoke with an agent who said they would send me the title. A month later I received a letter in the mail saying I owed {$140.00}. I called because I was told my balance was paid off, and spoke to a manager who said there was nothing I could do about the charge and that it wasn't late yet, but that if I didn't pay it, it would reflect negatively on my credit report. 

So, even though I did not believe I owed the money, and felt like the manager was using the leverage they had over me in a very unscrupulous and condescending way, I went ahead and paid it that same day to avoid the hassle. 

The payment was processed and my account continues to show a XXXX  balance. I received no letter in the mail and no email saying I owe anything further. I don't owe anything further, but I received a notice that my credit score had dropped. It has dropped twice from two reports made by Toyota Financial for late payments. 

I have tried to resolve this complaint with Toyota Financial,  but was just hung up on by the customer complaint department after I was transferred to them.

Company response to consumer: Closed with non-monetary relief