BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-02
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:
THE ACCOUNTS BEING DISPUTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THOSE ACCOUNTS ARE REPORTING INACCURATELY AND I WOULD LIKE TO HAVE THEM REMOVED OFF MY CREDIT. I HAVE BEEN FIGHTING FOR THOSE INACCURATE AND DEROGATORY ACCOUNTS TO BE OFF MY CREDIT FILE. THEY HAVE CAUSED SERIOUS DAMAGE AND IT HAS NOW BEEN HARD TO ACQUIRE NEW CREDIT DUE TO THE DEROGATORY ACCOUNTS STILL REPORTING. PLEASE INVESTIGATE THOSE ACCOUNTS AND HAVE THEM OFF MY CREDIT FILE FOR I AM NOT LIABLE TO 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 non-monetary relief
Consumer complaint received 2023-09-02
Company: TD BANK US HOLDING COMPANY
State: TX
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:
XXXX, XXXX XXXX XXXX, XXXX, FL XXXX XXXX has a inquiry on my under my name & social security number. I did not apply for XXXX XXXX. I contacted them with XXXX  & notified them it was identity theft and to please remove it from my credit report. 
As of today it is still showing on my credit report as a inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I'm experiencing ongoing issues from Kia motor finance company. Since XX/XX/XXXX, I've been experiencing acts of dihonesty which include missing payments, having false information reported to the credit reporting agaency, and a phony payment extension. I have sent Kia motor finance and the credit reporting agency all paymetns I made from my bank account and only the credit reporting agaencies updated the correct information regarding my payment history. I've been consistingly back and forth with them to correct my payment information and they consisting harrass me by stating that I'm 3 months behind which is incorrect. In XXXX they offered to put me on a payment extension in which I was informed that this would include the next 3 months without payment but I would be charged a {$25.00} fee for the extension of 3 months. So, I was informed to sign the extension agreement that was emailed to me and I signed it on XX/XX/XXXX and called kia back to informed them it was signed and the representative stated it was fine. Later in XXXX I got a collection call and they stated they never received the extension agreement and I saw the signed agreement in my email verifying my signature. Also, I noticed for the 1st time that the extension was for the past 3 three months ( XXXX, XXXX, XX/XX/XXXX ) and realized I was provided about misleading information about this extension they infomed me about. I attempted to reach out to speak with the Manager and they refused to let me speak with any manager at all. I have been going around in circles with Kia Motor Finance since I had this car with lies and misleading 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 2022-05-27
Company: Experian Information Solutions Inc.
State: TX
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:
n accordance with the Fair Credit Reporting act 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 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 explanation
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
TransUnion refuses to remove an account they have no information on its accuracy. Rather than report correctly. they are inaccurately listing an account they have no knowledge of and they refuse to remove the account. I've been disputing this for almost a year, this accounts does not have monthly historical data to prove its accuracy. I am demanding with enforcement from the CFPB to remove this account after having a year of continual chaotic reporting.

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 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts 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 BANK XXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX CARD XXXX XXXX XXXX XXXX FUNDING XXXX XXXX XXXX XXXX XXXX FINANCE XXXX XXXX CRED XXXX XXXX XXXX XXXX XXXX XXXX CORP 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 2022-01-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
i receive a promotion in the mail an applied they said decline because there are too many active credit card based on my loan history. i only have a XXXX XXXX XXXX XXXX XXXX This should'nt have anything to do with my credit history, i have very good credit an they ran my credit report twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
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: Information belongs to someone else

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: TSC Accounts Receivable Solutions
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TSC Accounts Receivable Solutions and XXXX XXXX MD, I had went in for cosmetic procedures and paid cash ( {$2400.00} if I recall ). After which I had significant scars from the procedure. I then received a bill for lab work which was not discussed. I called them to dispute and complain about scaring and demand the {$150.00} be removed and asked for a refund on the cash paid. I alerted them that I was filing a complaint against them with CA medical board. They then sent me to collections. I did not agree to this extra amount and have injuries from this office.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Upgrade, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
For the past three months, I have had issues with my Upgrade card falsely labeling my account as delinquent for non-payment despite the fact that I have my payments set up to be automatically deducted monthly. I have called so many times about this issue I have lost count with the most recent call being today XX/XX/2022. I am told that their system incorrectly allocates my payments and that there's nothing that can be done unless I call in every month prior to my payment being deducted to make sure someone manually allocates the payment correctly. In the meantime, if this isn't done, my account is labeled as being delinquent and all of my card transactions are declined. They also have charged me several " accrual ' fees related to this despite me never making a late payment or underpaying. They are penalizing customers because their system is flawed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, 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 my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Please remove the ITEMS listed below : XXXX XXXXXXXX Balance : {$670.00} ; XXXX XXXX Balance : {$2100.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$57.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$650.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX FL XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Affirm Holdings, Inc
State: AL
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:
In XX/XX/2021, I received an email from a business called XXXXAFFIRM, INC ' stating I owe a balance of {$120.00}. The email said it was an XXXX purchase so I sent a 'stop-spoofing ' email to XXXX. 
The emails continue to come and always address 'XXXX  ', and my name is not XXXX XXXX I have responded by email letting them know I do not know anything about the debt. I am now getting emails from a collection agency, XXXX, stating I owe the debt. I have contacted XXXX  and have also mailed a complaint to Affirm. 
I have also mailed and emailed a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: AmeriCollect
State: GA
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:
XX/XX/20 I wrote a letter to XXXX XXXX  for charge off account in the amount of XXXX. I requested under the FDCPA to the creditor to provide me with original signed documents that bares my signature or to remove the said account reporting on my credit that is not mine. They failed to do so and responded stating that it belongs to me with nothing to back it up. I sent a dispute exercising my right according to FCRA to XXXX and XXXX and both also refused to delete unverified accounts and ignored my request to reinvestigate that the accounts were being reported fraudulently since they failed to actually do a actual investigation. When I asked for documents used and the procedure that states that those said accounts were in fact accurate my request was denied, ignored and I was told that because a investigation was initially done they dont have to nor will they conduct another one. How is this even legal how can the credit bureaus get away with not following the law guide lines?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: FL
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 rights to privacy and confidentiality under 15 USC 1681. 

XXXX Acct # XXXX has violated my rights XXXX XXXX Act # XXXX has violated my rights XXXX XXXX Acct # XXXX has violated my rights XXXX XXXX XXXX Acct # XXXX has violated my rights XXXX XXXX Acct # XXXX has violated my rights XXXX XXXX Acct # XXXX has violated my rights XXXX XXXX acct # XXXX has violated my rights XXXX acct # XXXX has violated my rights XXXX  XXXX Acct # XXXX has violated my rights XXXX  XXXX Acct # XXXX has violated my rights XXXX XXXX XXXX XXXX Acct # XXXX has violated my rights XXXX XXXX Acct # 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 an account without my written instructions.

15 U.S.C. 1681 ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse items of information other than records of convictions of crimes which antedates the report by more 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The following accounts listed in this report are not mine. I have never done any business with or heard of this company. XXXX XXXX or the medical account listen on my credit report. I have tried to resolve this with the credit bureaus. I demand immediate removal and accounts blocked from both of these accounts from ever reporting in the future or being sold to any other illegal third party. Also, the law states any medical debt reporting is a hippa violation and must be removed. I'm a victim of identity theft my personal information was stolen due to the XXXX and Transunion data breach as well as the XXXX. My information was also found on dark web names listed on my report and address, not mine. Failure to comply and remove these accounts will result in a lawsuit and XXXX per violation. I demand the removal of these accounts immediately as the law states all information must report accurately and truthfully. This is defamation of my character and has caused my score to drop demand removal and blockage. 
remove these accounts immediately. 
I have also attached an FTC report.

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 2020-01-02
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/XXXX American Express has hired XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX to collect on my debt of XXXX. 

I am not disputing the amount owed or any interest owed to American express. I have been discussing my account with American Express, and trying to work out a reasonable solution. 

I was receiving many phone calls at work and I did not want to discuss my personal business on the phone. 

XXXX XXXX XXXX did an area search of all my neighbors and reached out to a retired Sheriff and asked them to reach me for a personal business matter - which means to anyone including a Sheriff its a debt collector. This neighbor has nothing to do with my family and should not be exposed to my personal information. 

When I complained to XXXX XXXX XXXX - the response was they will remove the number and add it to a do not call list. They told me it was in my contact list in my American Express Profile. This does not make sense, I never created a contact number in my American Express profile for this neighbor, which does not share our family name. So XXXX XXXX XXXX lied to me knowingly breaking the law on sharing personal information on a US consumer. 

I clearly understand the motive and I understand the job of a debt collector, it is the blatant abuse of a person in debt like me from firms like XXXX XXXX XXXX that must stop. 

The tactic being used is to embarrass and humiliate the debtor to submission. I was always in contact with American Express and I intend to make good on my debt. 

XXXX XXXX XXXX  intentionally contacted my neighbor to create a atmosphere of guilt and shame and purposely reached out to a local law enforcement officer ( Retired ) to make sure I would be compelled to call them and make a deal to pay this debt. 

This is unacceptable and illegal. I have been an American Express Card holder since XXXX and now because of temporary hardship issues I must make a different payment arrangements to make good on this debt. 

American Express is a great company and I want to pay this debt in full, I am sorry that I can not pay the debt today, I just do not want to be ridiculed and embarrassed in my own home town.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09
Company: OneMain Finance Corporation
State: PA
Product: Credit reporting 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:
On XX/XX/, I had a hard inquiry on my credit report from One Main and then another from XXXX XXXX XXXX on XXXX ( today ). 

I contacted One Main immediately and was forwarded a link to dispute it, which I promptly filled out with all the requested information. I then received a mailed packet of the same information, which I again filled out. I have not received further communication from them. 

XXXX immediately stopped the inquiry today and said they would handle it within XXXX hours. 

I contacted XXXX, who said they would remove it from my account. I called XXXX, who I need to send in this report and multiple pieces of documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
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 my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Please remove the ITEMS listed below : XXXX XXXX  Balance : {$670.00} ; XXXX XXXX Balance : {$2100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$57.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$650.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX FL XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX 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