BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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 2021-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2021 we were charged {$340.00} from a company we have never done business with. No phone number or ability to contact the vendor was on the statement. A XXXX search shows no such company. We opened a claim XXXXXXXX XXXX informing Bank of America fraud department of our conviction that this is fraud ; pointing out that the company misspelled XXXX as XXXX XXXX, used a suspicious reference number, and that we have no way of knowing who this vendor is, requesting company information and a copy of the transaction receipt. Our claim was denied and no vendor information was given. 

On XX/XX/2021 I again contacted BofA fraud department and was told that it is an online company and that the vendor had not responded to the fraud charge. I reopened the dispute claim. On XX/XX/2021 I received a letter saying our dispute was again denied and that they would be making a report to XXXX credit bureaus. 

I made a third call on XX/XX/XXXX to obtain information on the vendor to request information about the vendor and was put on hold for over an hour. 

I am concerned that BofA is perpetrating fraud through negligence and since I paid my balance in full throughout this time, needlessly impugning my credit with the credit reporting agencies. 

I appreciate living in a Country that takes these matters seriously.

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 2017-07-07
Company: Receivables Performance Management, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
X/XX/17 {$600.00} Company never contacted me about a debt. Placed on credit report, no contract with this 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 explanation
Consumer complaint received 2018-01-04
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 have a XXXX XXXX phone bill that appeared on my credit reports, all 3. However I have only had an XXXX phone bill ever. I have never had any other company and this bill has to be fraud because it doesnt belong to me. I am more than willing to submit whatever I need to prove to them that this is not my account including my bills for att dating back to several years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I checked my credit report with Experian website. I found on my report a tax lien with state of Georgia with ref # XXXX ... dated XX/XX/XXXX an amount of {$930.00}. likewise XXXX and XXXX  who finally removed them from my record after recognizing their error, and I also found this one as well to be an error on my credit report and attached screenshot of state of Georgia tax lien list and after getting in touch with them they clearly indicated that am not on the list and an attachment proved that.
I also found 3 an unauthorized hard inquiries which I never inquired or applied anything from them. They are as follows : 1. XXXX XXXX XXXX dated XX/XX/XXXX. 2.XXXX XXXX  dated XX/XX/XXXX. 3. XXXXXXXX XXXX dated XX/XX/XXXX. Again this is an error on my report and they needed to come out as soon as possible.

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 2017-10-06
Company: SYNCHRONY FINANCIAL
State: VA
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 have disputed the accounts on several occasions asking for verification of the debt, update the account status to paid ( I sent the paid letters to the original creditors ) or delete account information because it was reported by a collection company on the credit report. Each request has only come back ( from the original creditor ) account information is updated ; nothing ever changes. My main issues are with XXXX XXXX and XXXX XXXX XXXX. Each time I call to speak to a representative about updating the status to paid, they tell me they I will have to call different departments because not all of the accounts are in one place ; although, the address to all accounts are in Florida. PRA refuses to update the status or delete although the items are paid and the original creditors are still reporting as well. XXXXXXXX XXXX is also reporting some of their accounts as well as the original creditor. XXXX XXXX is the last creditor.
I disputed with the CRA onXX/XX/XXXX ; XX/XX/XXXXand XX/XX/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 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Im having an issue where my current car lease from XXXX XXXX its showing a late payment for XXXX and payment was never late

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 2021-10-24
Company: Receivables Management Partners, LLC
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:
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, NC XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX 4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. Identity Theft XXXX XXXX I Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. XXXX Account Number : XXXX Please remove it from my credit report. 

11. XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

12. XXXX Account Number : XXXX Please remove it from my credit report. 

13. XXXX Account Number : XXXX Please remove it from my credit report. 

14. XXXX Account Number : XXXX Please remove it from my credit report. 

15. RMP SRVC LLC Account Number : XXXX Please remove it from my credit report. 

16. RMP SRVC LLC Account Number : XXXX Please remove it from my credit report. 

17. RMP SRVC LLC Account Number : XXXX Please remove it from my credit report. 

18. RMP SRVC LLC Account Number : XXXX Please remove it from my credit report. 

19. XXXX XXXX Account XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX and Transunion are incorrectly reporting me as an Authorized User on XXXX XXXX partial account numbers XXXX. ( Please see pages 7 and 8 of the attached credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming 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 2022-08-14
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XX/XX/XXXX of 2022, a negotiable instrument was tendered in accordance with various XXXX XXXXXXXX XXXX for the complete amount of said claim in accord and satisfaction of said claim upon the redemption of the instrument which i signed without recourse and which this instrument was redeemed sometime end of XXXX or beginning of XXXX. ive sent previous negotiable instruments in the past as well, all of which were redeemed by company but with no assistance from company i was not able to verify the discharge of debt. following these events, my property was repossessed by said company without communication.

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 2022-04-05
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: Account status incorrect

Complaint:
Im having an issue where my current car lease from XXXX XXXX its showing a late payment for XXXX and payment was never late

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: EQUIFAX, INC.
State: OH
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:
Equifax and XXXX  are incorrectly reporting me as an Authorized User on XXXX partial account number XXXX. ( Please see page 9 of the attached credit report. ) I called XXXX XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX   however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Im having an issue where my current car lease from XXXX XXXX its showing a late payment for XXXX and payment was never late

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 2021-11-30
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I can not open a checking account and the 'Chex Systems Inc ' that denied me wont tell me why without trying to harvest and sell all my personal info. 

Yall are getting played like chumps by these banks and online companies. 

There should be a single use code on the sheet they gave me or something, I shouldn't have to give them valuable information for them to tell me if someone stole my identity or not. 
I knew it was fishy when they wouldn't tell me why. So I called them. 

And when I call them I can hear their dogs barking in the background and I'm like ( paraphrased ) '' are you selling my info? '' and the lady is like ( literally ) " well, uh... no... '' And so I was like " bruh, you got ta lie better than that. You got ta just say no next time. '' and she didn't say anything. 
Finally after like 30 more seconds of her trying to jerk me around I asked her. 
" So your just here to jerk people around and tell them to go XXXX themselves, you're not gon na help me at all are you. '' and basically she thanked me for being in good humor and laughing about it, then hung up.

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 2017-10-06
Company: First Advantage LNS Inc.
State: AZ
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:
Since XX/XX/XXXX, the staff at XXXX XXXX XXXX stole from me. Because they had key access, they would enter my apartment and steal documents, contracts, files, personal information, medications, medical records, food, shoe trees, shoe bags, and antique coins. 

In AXX/XX/XXXX, I refused to renew the lease. XXXX, the property manager and XXXX XXXX, the property owner charged me with a secret, negative credit report through XXXX XXXX XXXX. A secret, negative credit report owes no explanation. No attorney nor district attorney would accept the case. 

XX/XX/XXXX, I moved out of XXXX XXXX XXXX. I was not allowed to witness or be present during my apartment 's final inspection with XXXX and XXXX XXXX. Consequently, my security deposit was n't refunded and the National Credit Audit Corporation was hired to negatively impact my credit score and collect {$86.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Paypal Holdings, Inc
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Received for the second time a pay pal Email explaining a purchase that I never placed Fist XXXX XXXX dollars Second XXXX dollars They provide a phone number which I called and they want more information On my finances this is the phone number they provide XXXX Please I would really appreciated if you can investigate and make sure this is a fraudulent company

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: Exeter Finance Corp.
State: NE
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:
OnXX/XX/XXXX I spoke with the sales manager to get prequalified with XXXX XXXX XXXX XXXX. I am completely aware that during the financing process they submit multiple credit applications. With this fact in mind, I specifically instructed the sales manager that I ONLY WANTED TO ACQUIRE FINANCING WITH XXXX. I specifically instructed the sales manager to avoid shopping my credit around because I did not want numerous inquiries on my credit report. I am in the process of acquiring a business loan and was told to avoid that sort of activity. The sales manager did not properly communicate my authorization to only submit 1 credit application to the finance manager, which resulted in the UNAUTHORIZED SUBMISSION to several lenders. The General Manager of the dealership has admitted fault and apologized for the unauthorized submissions. While it does bring me solace to know their actions were not malicious, the accidental submissions has hurt my credit report and ability to acquire a business loan. I have challenged the inquiries with the credit bureaus and have been referred to challenge these directly with the lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Transunion inaccurate information on my consumer report showing them to be negligent and have showed their failure to comply with invoice to my violations. They originally furnished 2 items on my reports XXXX and XXXX to later delete after cause injury to myself by furnishing these items on my report without the proper initial investigation. This shows their negligence and non compliance.

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 2021-05-17
Company: Convergent Resources, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX charged off this debt. There has been 3 other collection agencies over the years that have attempted to collect this debt that they paid for pennies on the dollar. None of them had the original agreement signed by me to the original debtor. 

I had never heard from Convergent Outsourcing until I saw that they were reporting on my credit reports that I owe them a debt. 

I have signed no agreement with Convergent Outsourcing , Inc and do not owe any debt to them. Without the initial signed written agreement between me and XXXX XXXX or a signed agreement between me and Convergent Outsourcing proving that I owe a debt to Convergent Outsourcing Inc., which is the only approved means to validate a debt with the FDCPA. 

I have written Convergent Outsourcing Inc., several times through certified mail requesting that they provide me with the original agreement signed by me to the original debtor that gives Convergent Outsourcing authority to claim this debt. Convergent Outsourcing must not be reading my certified letters because they continue to send me copies of old 2017 statements from XXXX XXXX that they paid pennies on the dollar for, and that is not VALIDATING that I owe Convergent Outsourcing INC anything. All that proves is that they paid pennies on the dollar for a debt that XXXX  XXXX charged off the debt as a business loss. 

I have requested that they remove the derogatory mark as a collections on my credit reports on the 3 Credit Bureaus. They have not done so but continue to report false information that I owe them a debt and that is a violation of the Fair Debt Collection Practices Act and defamation of character. I repeat ... Convergent Outsourcing Inc has not proven that I owe them a debt. They have not provided the one source of proof that is the original agreement signed by me to the original debtor, XXXX XXXX. 

Next step is to contact an attorney and file against Convergent Outsourcing Inc .

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 2017-10-04
Company: EQUIFAX, INC.
State: FL
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:
Equifax has, through gross negligence, leaked the entirely of my credit reporting agency file they maintained ( as indicated by www.equifaxsecurity2017.com when entering my personal identifying information ). 

" According to Equifax, the breach lasted from mid-XX/XX/XXXX through XX/XX/XXXX.  The hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people. And they grabbed personal information of people in the XXXX and XXXX too. '' [ 1 ] They have failed to apply the most basic security measures to protect this data, based on congressional testimony provided by Equifax 's then-CEO [ 2 ]. 

[ 1 ] https : //www.consumer.ftc.gov/XXXX [ 2 ] XXXX XXXX XXXX

Company response to consumer: Closed with explanation