BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account XXXX XXXX XXXX  XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XX/XX/XXXX - XXXX Inquiry XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XXXX  XX/XX/XXXX - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this

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 2020-07-13
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Experian is showing delinquencies that are not factual, from a house that I use to own at XXXX XXXX XXXX XXXX XXXX CA. XXXX. XXXX  XXXX XXXX sold the loan and did not forward the funds in a timely manner to the new bank and it was reported as late. I paid both banks on time but it is damaging my credit by not being reported accurately. I have sent a certified letter explaining this to Experian and asked them to research and respond over 20 days ago I am still waiting to hear from them.

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 2019-06-19
Company: General Motors Financial Company, 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:
On XX/XX/2018 XXXX XXXX Opened account for XXXX for XXXX Ive never used this card nor did I fill out and application to open this account.I have filled out a police report and a FTC.GOV report regarding this matter. I've called XXXX and they stated XXXX is comfirming this was my account. This information was reported to a childhood address which I haven't lived in 40yrs. also they are reporting a 1st payment was never received. I have resubmitted everything to XXXX for the fifth time. 
XXXX XXXX XXXX opened account XX/XX/2018 for the amount of XXXX this was removed then added back. Ive called requesting more information from both XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: ALLY FINANCIAL INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/20 at XXXX I initiated a wire request through Ally Banks online website. This wire was to find our new home closing. After multiple attempts to contact Ally, we were given the information your wire will go out by the end of the business day. We were forced to wait at the title company for 4.5 hours until Ally issued our wire. I have held numerous bank accounts and worked at several financial institutions, and never have I seen delays such as this for wiring funds! Completely unacceptable practices from a consumer standpoint. 

Fast forward 2 weeks, and Ally Bank has now begun to issue my online bill payments via check to one of the largest financial institutions in the country. Previously, payments were being made electronically, but now I am required to give a weeks notice to schedule a bill payment since its being issued via check. Allys website clearly says if the payee accepts electronic payments then the payment will be made electronically, otherwise a check will be mailed. They are not following their disclosure!

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 2018-04-26
Company: Coinbase, Inc.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX I bought XXXX LTC off of Coinbase which equaled {$440.00} USD, on XX/XX/XXXX I received an email saying that my transaction was canceled and if charged ( which I was ) the money would be redeposited into my bank account within 3-4 business days. It is now XX/XX/XXXX and nothing has happened, I tried to email Coinbase multiple times and never heard anything back from them other than what seemed to be an automatic response saying that I would hear back from them soon, which I have yet to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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: Account information incorrect

Complaint:
I traded my car in on XX/XX/2020 for a new car but my credit report is still reflecting a balance on my credit report.I reached out to Nissan multiple times and they keep hanging the phone on me.I show multiple accounts 0n my credit report which is hurting my credit score.I am asking for them to update my report paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: American Recovery Service Incorporated
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I do not owe the so called debtor any thing. Just because I properly closed my account at the end of the month with proper advance notice, XXXX decided to bill me for another month.for {$39.00} with a {$100.00} collection fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
PORTFOLIO RECOVERY ASSOCIATES has posted an account on my credit report. Portfolio recovery associates is a debt purchaser. However Portfolio recovery services never notified me of my right to dispute the debt that they purchased from XXXX XXXX. In addition they claim that the Date of first delinquency was XXXX, 2016. THe original date of deliquency was XXXX 2016. with no payments or promises to pay being made after that,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Portfolio recovery associates is reporting an account as a regular account however it is a collection account Portfolio recovery associates purchased this debt from XXXX XXXX Upon XXXX this debt they began reporting it to the credit buraus as collectable however Portfolio Recovery Associates never notified me that they purchased the debt. Portfolio recovery associates also never notified me of my right to dispute this debt. 

in addition Portfolio REcovery Associates is reporting the date of first delinquency as XX/XX/ when in fact the date f first delinquency was XX/XX/XXXXwith no payments or promises to pay being made after that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have sought my credit report from Equifax since earlier this summer. I tried to get the report online and the company requested that I mail proofs of identification. I complied. The company said the proofs were not legible. I sent more legible copies. I have now sent four sets of documents to Equifax and the company still has not sent me my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: EQUIFAX, INC.
State: AR
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:
My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2020-07-13
Company: Experian Information Solutions Inc.
State: AR
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 went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my repo

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 2020-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my repo

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 2020-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
Several accounts on my credit report that dont belong to me I have replaced my ID, and also disputed these transactions with the companies. If it is not resolved I will be filing a police report. The accounts are not mine and need to be removed are listed below with balances. XXXX XXXX XXXX balance : XXXX, XX/XX/XXXX XXXX XXXX balance : XXXX, XX/XX/XXXX balance : XXXX, XXXX XXXX XX/XX/XXXX balance : 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 2019-06-19
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:
Currently the XXXX XXXX is reporting two late payments XX/XX/18 and XX/XX/18 for 30 and 60 days past due. I was in a deferment and setting up a repayment plan with them and I have disputed this with them and the credit reporting agencies with no avail. I am trying to purchase a home and these false negative reports are hurting my chance at securing financing

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 2019-06-19
Company: Experian Information Solutions Inc.
State: CT
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:
I am currently still being reported inaccurately on credit report by the State of CT Department of Social Services, XXXX XXXX XXXX XXXX XXXX. The report shows past due and delinquent payments. I will be attaching letters that dispute this information. I do have a letter from the State of CT dated XX/XX/XXXX that shows all my current support was up to date and it was reported to consumer reporting agencies. I will further attach information that shows the amounts were fully paid off in the year 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 2019-03-23
Company: Navient Solutions, LLC.
State: WA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Negotiated a cash payoff amount for student loan debt. Payment was sent in full for the amount on a billed notce and sent by usps shipped to billing address before due date. The amount cash payment was credited but agency did not honor the pay off negotiated amount. XXXX XXXX stated they changed addresses for payment and the address on the pay stub they sent was not correct, resulting in processing delay. 
XXXX states they are not able to make the change to the account, honoring payoff and continues to tell the consumer they need to contact department of Ed. 
Complaint : False statements and claims from collection agency. The agency payment statement for pay in full amount was not honored. The payment was sent and postmarked prior to due date. The agency stated the delay in payment processing is responsibility of collection agency as they changed billing address with no notification and referee consumer to dept of Ed. 
Collection Agency : XXXX XXXX XXXX , XXXX  . 
XXXX XXXX XXXX XXXX, NY 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 2023-01-05
Company: Experian Information Solutions 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:
In accordance with the FAIR CREDIT REPORTING ACT 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 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late fo any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, Transunion and XXXX has been informed numerous times that this account was involved in identity theft. They are reporting this XXXX XXXX account on my credit report and it needs to be removed.

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 2020-09-12
Company: TRUIST FINANCIAL CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace  period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16
Company: Debt Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I'm am not responsible for this account.. I never had an account w XXXX.. I have disputed w XXXX and 3 credit bureaus .. I had XXXX XXXX for many years .. in the past. I am a victim of identity theft.. I'm not able to get info as to where the address of service was placed. I lived at XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXfrom XXXX to XXXX then moved to XXXX XXXX XXXX XXXX XXXX XXXX tx from XXXX to present I now have XXXX XXXX.. I sent a letter asking for XXXX to provide the address of service.. They just state I owe bill and denied my dispute.and resold my act to another agency. Please investigate for removal from my credit reports I'm attaching documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid out the XXXX XXXX XXXX XXXX credit card by XXXX XXXX and closed it. months later they start sending me bills to pay and later reported me to collection, now Im getting non-stop calls and letters from Midland Credit Management.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation