BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-05
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of account which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX, US DEPT ED XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 Bank 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.

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 2021-12-03
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In regards to acct number XXXX. The Original contract details from Regional acceptance were for {$27000.00} with a finance charge of XXXX at an interest rate of 17.95 % at terms of 72 months.. XXXX XXXX , happily sent a list of payments on the XXXX XXXX XXXX XXXX Total of payments made is {$30000.00}. The total of interest payments made was {$16000.00} and currently the interest rate is now 17.97 %. Regional has repossessed a vehicle that has been paid off for months. They are also claiming That {$3300.00} with a repo fee of {$4300.00} is still left on the account. The vehicle was repossessed on XX/XX/XXXX. The last payment sent to Regional was XX/XX/XXXX. The car has been paid off for months and I should have had possession of the title. The car has been auctioned off. Not only am I out {$30000.00} dollars, but I do not even have the vehicle.

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 2020-09-09
Company: EQUIFAX, INC.
State: TX
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 has continued to report US Department of Education student loan accounts XXXX and XXXX Fed Loan XXXX as Derogatory since XX/XX/2020 in direct violation of US CARES ACT. These loans are currently under a CARES ACT forbearance. On XX/XX/2020, Congress passed, and the president signed into law, theCoronavirus Aid, Relief, and Economic Security Act ( CARES Act ), which provides for the above relief measures through XXXX XXXX, 2020. I have contacted the Department of Education and XXXX several times and they assured me this reporting would cease during this time. I attempted to dispute with XXXX as recently as XX/XX/2020 with XXXX refusing to open the FCRA dispute. XXXX   is causing continued damage and irreparable harm to my credit rating during a very difficult time for me personally and our country having been affected by the natural disaster. 

On XXXX XXXX, 2020, the President directed the Secretary to continue to suspend loan payments, stop collections, and waive interest on ED-held student loans until XXXX XXXX, 2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: AR Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Was contacted about a medical debt owed by a third party collection company contacted via telephone to send a list of debts owed and amount was sent an amount owed with original creditors name and account number and collection agency name and new account number with an amount but no breakdown of what services i received and their costs I have a right to privacy did not authorize any organization to report any information falsely on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
midland credit management owns XXXX XXXX  debt {$860.00}. 
also they own XXXX XXXX debt {$360.00} also i cant afford to pay these debt at all i dont want to be sued

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
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: Old information reappears or never goes away

Complaint:
This is a formal complaint against XXXX XXXX XXXX located in XXXX TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. 

They are reporting an account on my credit report that was opened in XXXX and charged off in XXXX, which is well past the allowed time for reporting to the credit bureaus. They have illegally re-aged this account and recently sold it to a collection agency that filed a lawsuit against me, which I hired a lawyer for and won the lawsuit, given the violation and expired statue of limitations. I have disputed directly with the credit bureaus on this account and XXXX continues to respond as account being verified, but fails to provide me with proof. 

Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX XXXX, has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

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 2022-08-05
Company: AMERICAN EXPRESS COMPANY
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Please remove the negativity immediately. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AMEX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: Experian Information Solutions Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have reach out to the a preventive or executive regarding a collection accounts on XXXX that are not mine I have requested verification and validation debt about it have not hear or receive anything I have in addition send verification of my My identification and social security number to match what they have still to this date have not receive anything it 's been months

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 2022-04-29
Company: JPMORGAN CHASE & CO.
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 never opened a JPMCB card or account in XXXX or XXXX. I need this removed from my credit history. I was out of the country for over 8 years and going back. I had a credit score of XXXX before I left and now its a lousy XXXX! This is insane! I have multiple fraudulent accounts on my credit reports that were not opened by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
After the Equifax breach, I decided to put a freeze on my credit with all three agencies. I was easily able to do so with XXXX and XXXX, but Equifax 's site kept crashing on me. I tried six times, but it would always freeze up and then tell me that it was unable to complete my request at this time and to try again later. So a few days ago I tried again, and apparently there is already a freeze on my account ( and believe me, I 've never even heard of putting a freeze on my account before this breach, so it could n't have been something I did previously )! But I have no PIN number because I was not the one who put the freeze on it! What am I supposed to do? I tried contacting Equifax to no avail, also sent a XXXX message. If an appropriate freeze was put on my account, they should have sent me a PIN number- so I do n't know if someone else already put the freeze on my account and has the PIN number! What do I do? I 'm really freaked out!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: SUNTRUST BANKS, 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: Account status incorrect

Complaint:
We had a loan with Suntrust mortgage. We ran into personal issues and I left my job as a Nurse to care for my mother. We called Suntrust they offered a XXXX modification. We started trial period XXXX, XXXX XXXX We payed everymonth on time. The XXXX payment was showing late. When I called suntrust they said the date was the date they were able to apply the full payment. The XXXX payment to the loan modification was also late payed by Suntrust. But the XXXX payment is showing on time. We had a full offer on our home and Suntrust gave us a payoff greater then the amount owed. We had to pay {$6000.00} more then owed. Suntrust said we never completed the XXXX Modification process. The loan modification process was started XX/XX/XXXX, We sold our home XX/XX/XXXX. We are now trying to purchase a new home. We are told we are still in a " partial Payment Process with Suntrust. When on XX/XX/XXXX, the loan was statisfied at a greater amount that was due. I tried to clear this with XXXX, XXXX and XXXX. This has been a nightmare. We are trying to get into a less expensive home. Suntrust refuses to update the credit report showing we are not in a partial payment program. THe loan modification is still showing on our credit report and we cant get new 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 non-monetary relief
Consumer complaint received 2017-09-27
Company: Law Office of Michael J. Scott, PC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have received letters from 2 different companies stating that I owe them money. On both occassions I have sent disputes and requested information that supported that I owed them money to which I have never received. Instead from the last letter I sent I received a notice that I am being sued along with a letter. Again I am responding with a letter demanding proof. All the while this information even though it has been past the 30 days from the date of my second letter it is still showing on my credit report. They have been unable to provide me any information that I signed a contract with them, that I owe this debt, that I entered into any agreement with them, nothing. The letter they sent me along with the fact they were suing me was received on XXXX/XXXX/XXXX and they refused to date the letter however the lawsuit is dated XXXX/XXXX/XXXX with everything typed but the actual date ( 18 ) part, and that has white out on it. I find that interesting since that would be one day before 30 days is up. Highly unlikely. Please see all attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
XXXX XXXX called Midland Funding to pay I asked representative if they can send me copy of a report specify where these charges come from late fees Service charge and the representative Informed me its been a very long time for this account to be opened and I shouldnt be asking any type of questions I should just be paying for this account and they were going to be taking me to court and that they were going to send somebody to arrest me and garnishing my XXXX XXXX benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: Receivables Performance Management, LLC
State: OK
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:
I contacted  XXXX   XXXX   XXXX  and wanted to get cable services thru them for  XXXX   XXXX . and I did, but I started to have problems with my tv, enternet, and phone services and this went own fo r two mo, s. I  got so tired of reporting this to   XXXX   XXXX   I finally canceled my services. I was told I was under a contract and I reply ok one that do n't work. they threatened to report me to my credit bureau. I told them find at least I can get some service that works so I did. they reported it to my credit report and stated it was in collections for  XXXX  dollars. date was  XXXX / XXXX /   2017  and I '' ve tried to settle this but they insist I owe them.  XXXX  I do n't think it is fair to pay for something that do n't work. thank you

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 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Re : XXXXXXXX Account XXXX Dates : XXXX XXXX, XXXX XXXX, XXXX XXXX Dear XXXX : Last year, I submitted a certified letter to XXXX, Transunion and XXXX to notify them of gross inaccuracies on my credit report. I filed a dispute against XXXX because XXXX reported 60, 90, and 120 day late payments in XXXX, when the payment was not as late. For example, the payment was received in XX/XX/XXXX, but the following month ( 30 days later ) they said my payment was 60 days late. This is erroneous and mathmatically incorrect. The investigation was speedy, instead of thorough. I also filed additional disputed online for the same issue, due to failure to be resolved. Unfortunately, I never received a copy of my results of the investigations on how they came to the conclusion to keep errors on my credit report. Their errors have impacted my ability to purchase a home for my family. Please, help!!!!! I have attached the file for your review. Please review carefully to see the error. Thank you

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 2021-12-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am not an attorney or third party rep. I have a legal right to dispute items on my report. Going over my credit report and notice some accounts does not belong to me. The accounts need to be deleted from my credit report immediately. This is an act of fraud and I am a victim of fraud. Here are the accounts : -XXXX XXXX  # XXXX -XXXX XXXX XXXX, XXXX # XXXX -XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX -XXXX XXXX # XXXX -XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company is reporting an account to the  XXXX  credit bureaus  XXXX ,  XXXX , and   XXXX   for a balance that I paid completely off in  XXXX ,  2017 . It is a huge impact on my credit report which is causing me to be denied for almost everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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: Was not notified of investigation status or results

Complaint:
I see that these accounts are adversely affecting my credit report and costing me thousands of dollars in investment every year. I sent a letter to contact these inaccuracies on XXXX This is not a regular dispute at all. I have filed a complaint with ftc and the XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed now. I will not wait another 50 plus days to receive no response. I see that most of these companies are ignoring me. Section 611 simply states failure to investigate these items within 30 days gives reason to immediately remove disputed items from my credit report. It has been over 50 days so please remove 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 2022-04-29
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: Information belongs to someone else

Complaint:
I never opened a XXXX card or account in XXXX or XXXX. I need this removed from my credit history. I was out of the country for over 8 years and going back. I had a credit score of XXXX before I left and now its a lousy XXXX! This is insane! I have multiple fraudulent accounts on my credit reports that were not opened by me.

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 2017-11-13
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Santander is trying to collect a debt and reporting negative information to my credit report for an account that that been paid in full by XXXX XXXX auto insurance.

Company response to consumer: Closed with explanation