BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Transunion requesting that they correct this erroenous account being reported on my Credit File because the Credit Bureaus have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue Transunion for their willful non-compliance of the FCRA statute. Only if they chose to update and correct the account on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The account that should be corrected is : XXXX XXXX XXXX Late Date XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06
Company: Child Support Recovery Services, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is a request for proof of contract to substantiate CSRS claim. Provide me with a certified copy of an original contract, with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certifications can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question. If you can not provide me with a copy of MY signature on a contract, I submit to you that this debt is unverified and reporting it to ANY Credit Reporting Repository is a direct violation of the FDCPA. Continuing collection attempts on this account can and WILL be considered harassment under the FDCPA. 

I DO NOT have any contractual obligation to pay YOU at this point as you have failed to provide ANY proof of that. A copy of an alleged bill is simply not enough satisfactory proof that I, personally, incurred this alleged debt. THEREFORE, THIS COMPANY NEEDS TO REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I just looked at my credit reports and was shocked to see the numerous amounts of errors you have listed. I am writing to have you remove them immediately. I will be in the process of applying for new loan transaction and the error will cause problems with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. 

My current & only address shown should be : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX My Valid Associated Names are as follow : XXXX XXXX XXXX XXXX XXXX My current & only phone number shown should be : XXXX My current & only EMPLOYER shown should be : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: BARCLAYS BANK DELAWARE
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
" NEW ISSUE '' Police report XXXX attached. FOLLOW THE LAW AND DELETE REPORTING. YOUR BREAKING THE LAW. MARKING THIS COMPLAINT AS A DUPLICATE WILL SHOW FURTHER SHOW BARCLAYS WILLFUL NONCOMPLIANCE. 

BOTH POLICE OFFICERS STATED TO KEEP SEEKING YOUR COOPERATION. 

Detective XXXX XXXX or Detective XXXX XXXX XXXX XXXX XXXX Police 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 2017-08-22
Company: Resurgent Capital Services L.P.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX THIS ISNT MY ACCOUNT, NOR DID I EVER PURCHASE ANYTHING FROM THIS COMPANY. IT IS BEING REPORTED TWICE ON MY CREDIT REPORT. THIS IS EFFECTING MY CREDIT SCORE I AM IN THE PROCESS OF REBUILDING MY CREDIT, AND THIS IS A NEGATIVE IMPACT ON MY REPORT. I HAVE ATTACHED POLICE REPORT AND CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: Experian Information Solutions Inc.
State: NY
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 investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX Balance Owed : {$56.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$210.00} ; XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$6.00} ; XXXX XXXX Balance Owed : {$15.00} ; XXXX XXXXXXXX Balance Owed : {$5600.00} ; XXXX XXXX XXXX Balance Owed : {$29000.00}.

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 explanation
Consumer complaint received 2022-09-06
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have reached out the credit bureau on XX/XX/2022 they still haven't updated my personal information. I have called, faxed and nothing still hasn't been done about this issue. Feel I have used all my resource to try get this fixed. Can you please help me out with is.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy

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 2023-08-11
Company: Experian Information Solutions 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:
Regardless of the multiple written requests, the ACCOUNTS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the ACCOUNTS below in my file : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$370.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$190.00}.

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 2019-07-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I contacted all three credit bureaus concerning my student loans werent delinquent, because they were in forbearance, they shouldve been marked as being late, I contacted student loan who had a wrong email address, since then the problem has been corrected with student loan and showing in good standing with the bureaus, but they refuse to remove the 5 months of not paying on time, when I told them in was in forbearance, it still remains the same causing my account to reflect negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: Experian Information Solutions Inc.
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:
There is an inquiry from XXXX XXXX that was n't authorized by me. I 've written Experian on XXXX XXXX, 2017 concerning this. They 've made no remedy for this inaccurate reporting as the inquiry remains on my report unauthorized.

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 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I don't know when I opened this account 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 2023-08-11
Company: Experian Information Solutions Inc.
State: MO
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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly delete the following items 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 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 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 2022-09-06
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In XXXX, I filled XXXX XXXXXXXX on my car, In XXXX, credit acceptance sent me a letter advising me to call and pay by a certain date after I receive a letter from the bankruptcy court that the loan was taken out of bankruptcy. I called credit acceptance and set up a payment arrangement in XXXX of XXXX, I was not advised that they only set me for 6months payments, I called credit acceptance on XXXX/XXXX/XXXX at XXXX to address the letter they sent me advising me that they are switching Autopayment processing companies, I called in to make sure they didn't change my payment date nor my payment about, I was advised that I was no longer able to make my payments and that my car is now in the process of being reposed, they advised me that I was not in a payment arrangement even though they see I was making payments on automatic payments for the past six months, they refused to accept nothing but the full past due amount and was constantly treating reposition, they also refused to let me speak to a manager after I requested many times on a recorded line, they kept transferring me to different collectors and each one refused to honor the arrangement I was placed in with credit acceptance automatically taking payments out of my account, they kept repeating over and over that my car is out for reposition, also stating and refusing to honor the arrangement

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX, Transunion and XXXX attached please find complaints I have filed against two collection agencies who violated FCRA in their response to your investigations of the fraudulent accounts they, XXXX XXXX and XXXX XXXX XXXX, placed on my credit reports on/about XX/XX/XXXX and XX/XX/XXXX respectively, which I disputed but they replied that they had verified the accounts when they had not. As such, in violation of the FCRA, XXXX XXXX AND XXXX XXXX XXXX willingly and knowingly gave false and inaccurate information in their responses to those disputes, in their responses to the disputes I filed against you and them through the CFPB and in their response to the complaints I filed specifically against them through the CFPBs website after their claiming to you that they had verified the accounts when in fact they had not nor can they because the accounts are fraud.

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 2023-10-11
Company: Experian Information Solutions Inc.
State: VA
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:
This is my SEVERAL 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 Items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX XXXX ; XXXX A XXXX ; XXXX, XXXX, XXXX  ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$540.00} ; XXXX XXXX  XXXX **** Balance Owed : {$860.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$2400.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$450.00} XXXX XXXX/XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$7600.00} ; XXXX XXXX XXXX  XXXX Balance XXXX : {$1100.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$480.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$6800.00} ; XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance Owed : {$0.00} XXXX XXXX XXXX ( XXXX XXXX : XXXX ) XXXX Balance Owed : {$1700.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance Owed : {$1100.00} ; XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$3900.00} XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Experian Information Solutions Inc.
State: NJ
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 there is no third party involved in the filing of this complaint and this complaint has not been made.

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 2022-09-06
Company: MRS BPO, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a collection notice from a company called MRS Associates on behalf of XXXX XXXX for {$27.00}. I attempted to contact XXXX multiple times. Since my account was closed, their phone system and chat blocked me from speaking with a customer service representative. I do not owe any money to XXXX and have paid all bills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-21
Company: EQUIFAX, INC.
State: NY
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 have disputed an account XXXX XXXX XXXX XXXX  ) in the amount of {$1500.00}. This balance is showing on my credit reports which is incorrect as it has been paid in full by the dealer on XX/XX/2019. I had contacted XXXX XXXX XXXX  personally myself to confirm the payment from the dealer was paid in full to the bank. It has been confirmed as paid in full and XXXX balance. I disputed this amount with all 3 credit reporting agencies and received a response today from XXXX  that I need to submit additional information or they will not dispute this for me. This is wrong because its adding to my debt to ratio and in fact I do not owe this amount. It is affecting my credit score. I do not have proof that the {$1500.00} was paid in full as I mentioned earlier when I turned in the old lease the dealer paid in full the balance owed to the bank and I re-leased a new vechile from there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24
Company: Experian Information Solutions 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:
The vehicle I had a loan on with XXXX XXXX was deemed a total loss by my insurance company ( XXXX ). XXXX XXXX marked that loan as a charge off when it was not. I followed all the procedures in the title procurement process that coincides with a vehicle being totaled out. They gave a letter of guarantee to my insurance company for the balance requested to pay off the loan. It was marked on my credit report as a charge off in XXXX of XXXX  ( date of loss was XX/XX/ ) I received my payment XX/XX/ and XXXX did not pay them until XX/XX/. Upon which they kept the status of a charge off and then marked it as a " paid-charge off ''. This account should not have been marked as a charge off at all and even if they got the payment late they could have at least corrected their mistake then and marked it as a paid-satisfactory account. This mark has significantly affected my credit as well as making it very difficult to get another vehicle which I still have yet to be able to do since the accident. I would like this fixed immediately as getting the payment from my insurance company for the vehicle payoff was out of my hands to control.

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 2021-09-23
Company: Santander Consumer USA Holdings Inc.
State: CT
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, XXXX XXXX, am a consumer pursuant to 15 usc 1692a ( 3 ).

SANTANDER CONSUMER USA is a debt collector pursuant to 15 usc 1692a ( 3 ). SANTANDER CONSUMER USA keeps sending me monthly statements with multiple logos and symbols which is a direct violations of the FDCPA under 15 usc 1692b ( 5 ).

SANTANDER CONSUMER USA placed a lien on my vehicle without disclosing the name and address of the original creditor on any of the statements.

SANTANDER CONSUMER USA failed and refused to disclose the name and address of the original creditor which violates 15 usc 1692g and misleading and unfair under 15 usc 1692e ( 11 ).

SANTANDER CONSUMER USA made invalidated report to the consumer reporting agencies without my written consent which violates my privacy, under the FCRA which 15 usc 1681 ( a ) ( 4 ) and 15 usc 1681b ( a ) ( 2 ).

SANTANDER CONSUMER USA have used my credit card 15 usc 1602 ( i ) aka social security for its own benefits without having any authority for such use, which is an unauthorized use under 15 usc 1602 ( p ).

SANTANDER CONSUMER USA willfully violates 15 usc 1601, 15 usc 1611 for willfully not disclosing material fact regarding the alleged debt. Causing me harm and mental anguish.

SANTANDER CONSUMER USA is harming my reputation, by reporting invalidated debt to the consumer reporting agencies which violates 15 usc 1692d ( 1 ).

False or Misleading Representation by SANTANDER CONSUMER USA pursuant to 15 USC 1692e ( 11 ) failed to disclose that they are attempting to collect a debt and that any information obtained will be used for that purpose.

SANTANDER CONSUMER USA failed to provide the Notice of debt with the name of the creditor pursuant to 15 usc 1692g ( a ).

Company response to consumer: Closed with explanation