BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sure you are aware that it is against the law to threaten suit without any intention of doing so. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend  yourselves.

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 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 XXXX U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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 non-monetary relief
Consumer complaint received 2022-08-05
Company: EQUIFAX, 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:
Equifax didnt exercise their role /responsibilities. 

Did not respect my privacy. 

Never had permissible consent. 
Unfair 1681 a. # 3 # 4 b. # 2

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is a another NOTICE OF DEFAULT and NOTICE OF OPPORTUNITIES TO CURE. CRA was provided identity theft reports and a statement from consumer, appropriate proof of identity and items to be blocked. 15 USC 1681. NOTHING was done ,15 USC 1681c-2 they have 4 days. Therefore a sum of {$8000.00} is owned. I have been unable to qualify for a home, car, job and hardship. I have lost all creditable and credibility with family and friends. I need XXXX counseling from XXXX and XXXX XXXX. Please help resolve.

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 2020-02-27
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: Information belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

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 2020-02-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I previously filed a complaint and am refiling because my complaint was closed because it is outside of 60 days. This is absolutely ridiculous. This is NOT a billing error and the 60 days does not apply. My complaint is about charges totaling {$14000.00} paid to for services that were misrepresented and not provided as sold. These companies misled and defrauded me. They will not return my calls and Capital One not doesn't care. They won't even read my complaint. 60 Days is for billing errors and does not apply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: Credit Control, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was charged a contract termination fee from a wireless company 10+ years ago even though I was no longer under contract with them. This amount was sent to a collection agency. I contacted the wireless carrier and the issue was handled but the collection company continues to send me letters/bills for a {$500.00} balance that is no longer owed. I have told them repeatedly that this is inaccurate and that the debt is not valid. They then send me copies of old cell phone bills showing the amount billed even though it is not accurate. This collection no longer shows on my credit report and they continue to ignore requests for them to stop contacting me, especially since it is well past the statute of limitations in Texas where they can take any further action towards me. Also, the most recent letter shows that the original creditor was the wireless provider and then current creditor as XXXX XXXX XXXX XXXX XXXX but the letter is addressed from Credit Control LLC ... which gives the appearance that they just continue to sell my information.

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 2019-11-13
Company: Apothaker & Associates, PC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I sent a medical dispute to the collection agency only to receive a pamphlet basically of copies of statements and bill of sale. No copy of license to collect in my state, no hippa form with signature, no copy of identification or social. Now this is in violation of hippa laws and they are trying to skate by. I know my rights. You have not proven the account is mine and being a lawyer is involved they should know better. I do not owe {$730.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: EdFinancial Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am experiencing financial hardship and requested a refund on all 13 payments to EdFinancial Services during the freeze period for my students loans. The company claimed it will take over 6 months to process the refund which does not help with my current financial need. They also ignored my email request so I had to wait a long time to get through to a customer service representative who informed me it would not be processed for 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: CORELOGIC 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: Problem with personal statement of dispute

Complaint:
sometime in early XXXX, I cancelled my XXXX XXXX car insurance policy and had an outstanding balance of {$85.00} that I didn't know about. When I took care of the bill ( when I finally found out about it ) it had gone to collections despite there being no efforts to contact me directly. The bill reflects paid in XX/XX/XXXX and was reported to the credit bureau in XX/XX/XXXX. 

Fast forward to this past month XX/XX/XXXX, and I am in the process of opening a business and applying for an XXXX loan. despite my credit score on XXXX, XXXX, and XXXX being in the mid-high XXXX, the company the bank used to pull credit reports pulled my credit as over XXXX points lower, the lowest being a XXXX and thus denied me the loan based upon this {$85.00} bill that's been paid for almost 2 years that I had no idea even was an issue. I've had my credit pulled numerous times and never had this issue, so for some reason this company that the bank used, Credco, was able to interpret the same credit information as XXXX points lower than all the other credit reporting agencies. despite the bill being paid almost 2 years ago, and having a very healthy credit and work history, the XXXX denied me a loan based on this one credit pull based on this report from Credco.

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 2021-10-07
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
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 XXXX I sent this company a debt validation letter to validate a collection they placed on my consumer report. They responded back with some XXXX simply listing my name and the amount they claim I owe ... .No actual documents with my signature, or proof that the debt belongs to me. I sent them another letter on XXXX, telling them what they provided was not enough, and requested documents again. They responded saying that my request was the same and they will no longer investigate. They are scammers of a company and clearly disregarding consumer protection laws granted in the FDCPA and FCRA. Their response simply proves that they don't have the docs required to collect on this debt and report to the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
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:
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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/XXXX, I entered into a consumer credit transaction with Santander Consumer USA, in which I extended my credit to acquire a XXXX XXXX XXXX, identified by VIN : XXXX. The amount of the finance charge was stated as {$21000.00}, which 15 USC 1605 defines as the sum of all charges, yet I was also charged additional amounts evidenced by the " amount financed, total of payments, and total sale price '', within the sales contract. In addition to the above Truth in Lending Act violations, I was coerced into paying a {$1500.00} cash down payment in connection with this consumer credit transaction, and my finance charge did not include my insurance as it was supposed to pursuant to 15 USC 1605. Santander Cunsumer USA also failed to provide me the required disclosures as required by 15 USC 1601 & Regulation Z of the Code of Federal Regulations. Attached to this complaint you will find the 'Notice of Rescission ' letter that was mailed to Santander Consumer USA on XX/XX/XXXX, as well as three ( 3 ) exhibits labelled as 'Exhibit A, Exhibit B, and Exhibit C ', showing proof of these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
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:
Equifax On XX/XX/2019 and XX/XX/2019, I send a request asking the credit bureaus to provide me with their method of verification and description of the procedure used to determine the accuracy and completeness of the disputed account. These letters were sent certified mail and Equifax received the most recent letter on XX/XX/2019. I received a response back from on XX/XX/2019. It was dated XX/XX/2019 and postmarked XX/XX/2019. According to the Fair Credit Reporting Act, Equifax failed to provide this information " no later than 15 days from receiving the request. Included in the attached documents are the letters sent to the credit bureaus, the response from the credit bureau, and the certified mail receipt. 

XXXX  On XX/XX/2019 and XX/XX/2019 I send a request asking the credit bureaus to provide me with their method of verification and description of the procedure used to determine the accuracy and completeness of the disputed account. XXXX  received the most recent letter on XX/XX/2019. I received a response back from on XX/XX/2019. Instead of providing me with the procedure used to determine the accuracy and completeness of the disputed account, I received a letter stating that they will no longer investigate the account. XXXX  failed to provide me with the procedure used to determine the accuracy and completeness of the disputed account. Included in the attached documents are the letters sent to the credit bureaus, the response from the credit bureau, and the certified mail receipt. 

XXXX  On XX/XX/2019 and XX/XX/2019, I send a request asking the credit bureaus to provide me with their method of verification and description of the procedure used to determine the accuracy and completeness of the disputed account. These letters were sent certified mail and XXXX  received the most recent letter on XX/XX/2019. I received a response back from on XX/XX/2019. It was dated XX/XX/2019. According to the Fair Credit Reporting Act, XXXX  failed to provide this information " no later than 15 days from receiving the request. Included in the attached documents are the letters sent to the credit bureaus, the response from the credit bureau, and the certified mail receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
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:
Im writing because I noticed that my most recent credit report contains late payments reported on XX/XX/XXXX-XX/XX/XXXX & XX/XX/XXXX-XX/XX/XXXX for my XXXX  XXXX XXXX/XXXX account Ive contacted all 3 credit bureaus for these late payments to be removed but still no resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
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: 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 this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: National Financial LLC
State: DE
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XX/XX/XXXX - XXXX, called me at XXXX XXXX, STATING I OWED XXXX XXXX XXXX   MONEY STILL. GIRL WOULD NOT STATE HER NAME. I FILED BANKRUPTCY ON THIS LOAN AND THE DISCHARGE OF DEBTOR DATED XX/XX/XXXX. XXXX XXXX XXXX WAS INCLUDED ON THIS DISCHARGE DATE. LOAN # XXXX DATED XX/XX/XXXX AT THE XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX DE XXXX - PHONE # : XXXX AMOUNT AFTER LAST PAYMENT MADE ON XX/XX/XXXX WAS {$450.00}. LOAN # AND THE XXXX STATED IN THE BANKRUPTCY PAPERS. THE LADY STATED THAT I TOOK ANOTHER LOAN OUT AFTER MY BANKRUPTCY WITH THEM. THIS IS NOT TRUE AND SHE OFFERED NO PROOF. XXXX XXXX XXXX WOULD NOT GIVE ME ANOTHER LOAN ANYWAY AFTER FILINING BANKRUPTCY ON THEM. I DO NOT NO WHAT KIND OF SCAM SHE IS TRYING TO PULL OFF - BANKRUPTCY CHAPTER XXXX CASE NO. XXXX. SHE IS IN VIOLATION OF THE BANKRUPTCY LAWS AND I DO NOT APPRECIATE THIS!!! PLEASE HANDLE THIS AND STOP THE HARRASMENT NOW. SHE THREATENED TO FILE A LAW SUITE .

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-07
Company: Experian Information Solutions Inc.
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 status incorrect

Complaint:
XXXX XXXX XXXX XXXX  reported a 30 days late in XXXX of 2017 however this is not correct and i asked for something showing were i was late since its paid via internet but received nothing. i disputed with all 3 bureaus however none of them did a good job investigating it

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 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am submitting this complaint myself and there is no third party involved. These items were inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 605b. I have done many attempts to reach out to Three Credit Bureaus but they failed to give me any results or feedback about this concern.I demand that they rectify these violations and provide me with an accurate and updated credit report immediately. With that, I am asking for your assistance to delete or remove these inaccurate items from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 the several time I've complained about being a victim of identity theft. XXXX and TransUnion must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX Balance : {$3700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO 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