BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-24
Company: Pacific Credit Exchange Corporation
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This debt is unverifiable and incorrect and needs to be deleted immediately!

A letter request was sent on XX/XX/2020 to Pacific Credit Exchange to verify the information when there's obviously no proof this account was actually verify for validation the itemswas not received.

I contacted Pacific Credit Exchange and I was told from XXXX XXXX I do not have the right to request or receive this information. Not only have they ignored my prior requests for validation of debt { proof enclosed } Send copies Of previous letter or certified mail receipts with letter } but pacific credit exchange continue to report this debt.

Unverifiable Items -Proof of your right to/collect this alleged debt -Date of repo and location, -A comlpete detailed history of all transactions { including payments, credits, NFnf checks, returns -contract bearing my personal signature

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 2020-09-10
Company: Professional Finance Company, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XX/XX/2020 XXXX XXXX I received a call from XXXX. 
The lady calling asked to speak with " XXXX '', but she asked in a form of a question, like just expecting for me to answer " yes '' ( sounded like she just wanted me to say " yes '' like a scam ). 
I didn't say " yes '' but I did let her know I was XXXX and asked her let me know what the collection was about. She would not say, but she still wanted me to say " yes ''. Her question and wording sounded tricky really insisting that I said " yes ''. 
I do not have any pending debt collectors so this is probably a scam. I told her not to call again and she just said ok.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 items 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 items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

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

XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$63.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$110.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX Balance : {$50.00} 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 2021-07-08
Company: General Motors Financial Company, Inc.
State: MD
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:
To Whom It May Concern, I made my car payment on XX/XX/2021 from my mobile app but got no confirmation. The GM Financial mobile app would not allow me to take a screenshot stating " can't take screenshot due to privacy policy ''. The morning of XX/XX/2021 I tried calling GM numerous times but was unable to get through to anyone due to high call volume. 

I then received an email on XX/XX/XXXX that my account was 30 days late. This email told me that my mobile app payment clearly did not go through. I immediately ran to my office and logged into my GM account from my computer as I did not trust the app and paid it ( again ) as it clearly did not go through from the mobile app on XX/XX/XXXX. ( I made my XXXX payment as well at this time. ) I then called GM as well on XX/XX/2021 after making the payment from my computer and spoke with a representative who assured me that it would not be recorded as a 30 day late payment. 

Today, XX/XX/2021 I was notified by logging into my XXXX  account that my credit score dropped by over 50 points and that GM did in fact record XX/XX/2021 as a 30 day late payment. 
I would like this late payment taken off of my credit report for these reasons : 1 ) I made the payment on XX/XX/XXXX on the mobile app which clearly has issues and does not allow the consumer to take screenshots as proof of payment. 
2 ) I made the payment again on my computer on XX/XX/XXXX and was assured that GM does not report until the XXXX day and since the computer payment registered on XX/XX/XXXX it would not count as 30 days late. 
3 ) I was given misleading information as I spoke to GM again today on XX/XX/XXXX and was told that they record on the XXXX day and not the XXXX. If I am given bad information on what days will actually affect my credit it makes it impossible to maintain the credit score I have worked so hard to achieve.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
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:
I am requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these inquiries and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXXXXXX XX/XX/2021

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 2020-10-20
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2020, I contacted all 3 credit reporting agencies in writing, via USPS Certified Mail, and informed them that I have recently become aware that I have been a victim of IDENTITY THEFT and provided them with a copy of my Police Report, Identity Theft Affidavit, driver 's license and a recent utility bill and requested that they comply with the FCRA Section 605B, by blocking the information that I have detailed to them that was fraudulent on my credit file. To date, neither of the 3 credit reporting agencies have taken my situation seriously and have treated it as a routine dispute.

FCRA Section 605B states : Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 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.

According to USPS Certified Mail Tracking Information, XXXX  received their package containing all of the above required information on XX/XX/2020 ; XXXX  received theirs on XX/XX/2020 ; and Experian received theirs on XX/XX/2020. Each one of the Credit Bureaus are in receipt of the required information, yet they have not acted in accordance with FCRA Section 605B. The bureaus are treating my Identity Theft as a routine account dispute and have not blocked the fraudulent information within the 4 days, as required by FCRA Section 605B.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
having issues getting my credit report sent XXXX  information they have not responded

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 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure 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 non-monetary relief
Consumer complaint received 2020-06-17
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: Account information incorrect

Complaint:
reporting inaccurate 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 2018-11-16
Company: Bread Financial Holdings, Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On Thursday, XX/XX/2018 I received an alert from my credit monitoring service that my XXXX XXXX XXXX credit card was closed. No explanation was provided. I contacted XXXX XXXX on Friday, XX/XX/2018 requesting an explanation and was told by customer service and a supervisor that my credit card was closed due to inactivity. 

XXXX XXXX did not provide me with a letter or email informing me that my account would be closed if I did not use the card. Due to this long standing account being closed my credit score has dropped. The supervisor told me that I would have to re-apply that they could not re-open my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-07
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Vehicle was traded in and the dealership paid off the loan. Finance company posted payment to wrong account and has sent to collection stating Im behind payments. They are aware of the problem and have not corrected for over 3 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 2020-06-02
Company: EQUIFAX, INC.
State: TN
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:
This complaint involves XXXX accounts : XXXX ; XXXX ; XXXX ; and XXXX. These accounts are found on XXXX XXXX Credit Report XXXX. I am disputing the accuracy and legitimacy of these accounts and charges. When they initially surfaced, I contacted XXXX and advised them that I had never opened these accounts and I had never used or possessed these cards. subsequently, I provided XXXX all local Police Reports, Federal Identity Theft Task Force reports of the identity theft and fraudulent acquisition of the cards. I provided USAA the report from the U.S. Department of State as well as the Office of Personnel Management advising both me and my husband that we had been victim of a breach and that our information had been identified in use on the dark web. As a direct result, XXXX refused to conduct a comprehensive, reliable investigation in a timely manner that would have allowed the individuals responsible to be brought to justice. Instead, I was repeatedly told " our investigation does not indicate fraud. '' When asked to provide strict proof of their investigation and findings, I was met with hostility. I have been pursuing this matter now for over five years, to no avail. CREDIT CARD and CREDIT REPORTING AGENCIES have an affirmative obligation to Investigate Consumer Credit Report Disputes in a timely fashion and to provide the results of those investigations. XXXX and XXXX XXXX have failed to do either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX Account name : # XXXX XXXX, Account name : XXXX XXXX XXXX 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 15 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 2021-07-08
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, 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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 explanation
Consumer complaint received 2020-09-11
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: Investigation took more than 30 days

Complaint:
I submitted a dispute letter regarding inaccuracies on my report on XX/XX/2020. I then followed up with another letter XX/XX/2020 because I didn't receive a response. To my knowledge the company has 30 to 45 days to respond to my dispute. They are in violation of the fair credit reporting act. These inaccuracies are drastically effecting my credit score. 
I understand we are in difficult times but these inaccuracies must be corrected. Thank you and 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 2020-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
This complaint involves XXXX accounts : XXXX ; XXXX ; XXXX ; and XXXX. These accounts are found on Trans Union Credit Report XXXX. I am disputing the accuracy and legitimacy of these accounts and charges. When they initially surfaced, I contacted XXXX and advised them that I had never opened these accounts and I had never used or possessed these cards. subsequently, I provided XXXX all local Police Reports, Federal Identity Theft Task Force reports of the identity theft and fraudulent acquisition of the cards. I provided XXXX the report from the U.S. Department of State as well as the Office of Personnel Management advising both me and my husband that we had been victim of a breach and that our information had been identified in use on the dark web. As a direct result, XXXX refused to conduct a comprehensive, reliable investigation in a timely manner that would have allowed the individuals responsible to be brought to justice. Instead, I was repeatedly told " our investigation does not indicate fraud. '' When asked to provide strict proof of their investigation and findings, I was met with hostility. I have been pursuing this matter now for over five years, to no avail. CREDIT CARD and CREDIT REPORTING  AGENCIES have an affirmative obligation to Investigate Consumer Credit Report Disputes in a timely fashion and to provide the results of those investigations. XXXX and Trans Union have failed to do either.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
I'm glad to see that my report has been improved in numerous ways, including the deletion of certain accounts that I had previously disputed. However, there are a few accounts on my report that are fraudulent and the result of identity theft. I'd like to ask for your assistance in getting rid of the remaining few items on my report. According to FCRA section 605b, credit bureaus are required to remove or block any accounts that have been listed on an identity theft report. To prevent fraudulent information from being submitted in my report, I've included a few papers. 
XXXX ACCT XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX Balance Owed : {$2400.00} XXXX  XXXX Balance Owed : {$5000.00} XXXX XXXX XXXXXXXX Balance Owed : {$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 2020-09-23
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: Account information incorrect

Complaint:
On XX/XX/XXXX, XXXX  XXXX XXXX filed suit against me in XXXX XXXX, OH XXXX XXXX ( Case No. XXXX ) seeking {$4500.00} for allegedly delinquent credit card debt. I filed an Answer denying all claims and raised affirmative defenses. Attorney XXXX XXXX represented XXXX who failed to produce the required documentation to prove its case. With its Complaint, XXXX filed a false affidavit of its North Carolina employee, XXXX XXXX, who was caught giving false affidavit testimony in prior XXXX   collections lawsuits. I requested a jury trial which was scheduled for XX/XX/XXXX. But, on XX/XX/XXXX, XXXX dismissed all claims with prejudice. Because XXXX  never proved its claims before it dismissed the entire action forever, it should have removed the matter from my credit report but it refuses to do so. I filed multiple disputes with credit reporting agencies. XXXX 's attorney, Ms. XXXX, has not acknowledged or responded to my email requests. There is no basis in fact or law for this alleged, completely unsubstantiated debt to remain on my credit reports for 2 years after we litigated this for over 1 year before XXXX dismissed its lawsuit before the scheduled trial.

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 2020-10-24
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX I took my court order to change my name from XXXX XXXX to XXXX XXXX to a Chase branch in XXXX, XXXX Everything was changed a new signature card was signed. I called the credit card branch where they said they would send me a new credit card. The card arrived with my old name. I called again today and now they are saying my name has not been changed and there is nothing they can do.

Company response to consumer: Closed with explanation