BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or list of inquiries 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 2022-07-18
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i discovered on my XXXX report i have the following collection -Collection Agency XXXX XXXX Balance Date XX/XX/2022 Original Creditor Name XXXX XXXX amount {$140.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXX

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 2022-07-18
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I have inquiries for a mortgage loan from some random source i have never heard of, from a XXXX XXXX. I have never applied for a mortgage loan in my life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14
Company: Exeter Finance Corp.
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
My complaint is with Exeter Finance. Ive been paying {$560.00} since XX/XX/XXXX for a XXXX XXXX XXXX. Its a 60 month loan and to date I have made 56 payments. My maturity date is in XXXX of XXXX. This company is now telling me that I still owe them {$7000.00} dollars and that on XX/XX/XXXX the entire amount would have to be paid or they are going to repossess the vehicle. I have already paid this company a total of {$32000.00}. 

CONTRACT Contract Date. XX/XX/XXXX Mileage 60,000 Maturity Date. XX/XX/XXXX APR ( % ) 20.00 Org. Amt. Financed. {$21000.00} Monthly Payment. {$560.00} Amount Remaining. {$7000.00} Payments XXXX XXXX This amount {$39000.00} or higher will be the amount I pay for this used XXXX vehicle. Please look into this matter. This APR rate is unfair and abusive. I have tried to reason with this company regarding my health due to late payments and they dont care. This company is heartless and only want to gouge the consumer financially. Please HELP! 

VEHICLE Model Year XXXX Make XXXX XXXX Last 6 Digits of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XXXX original debtor XXXX has received a check and cashed agreeing that the debt has been paid in full and will remove the debt from the credit report if cashed. The check was cashed on XX/XX/2023 and I received a call on XX/XX/2023 advising me they have a balance left and they do not have anything to do with the updating of my credit report. 

Please have this debt removed as a negative remark on my credit report as the debt has been paid in full and the agreement must be honored. 

Attached is the cashed check with the agreement of being cashed debt will be PIF and removed from my credit 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 2023-08-29
Company: Nelnet, Inc.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Title : Debt Validation Letter Date : XXXX  Your full name : XXXX XXXX Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is not a request for verification or proof of my mailing address, but a request for Validation made pursuant to above-named Title and Section. On XX/XX/2023 XXXX XXXX. ( Nelnet servicer ) responded back with no evidence of the alleged debt showing 10 accounts on my credit report. Also letting me know that it did not come from the Department of Education but it come from the Department of Education, that does not make no sense at all. I have never received letters of any kind of the alleged debt. I respectfully request your offices provide me with proof of the alleged debt, all originals not copies. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State laws. Due to this fact if any negative mark is found on any of my credit reports by company or the company that you represent, I will not hesitate in bringing legal action against you and your following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. I request that you provide original evidence of the alleged debt as I have already stated on the previous report filed. During which time all collection activity must cease and desist of reporting on my report, Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all referenced to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
15 U.S.C. 1681 ( a ) ( 4 ) states I have a right to privacy. 15 U.S.C. 1681b ( a ) ( 2 ) States a consumer reporting agency can not furnish an account without my written instructions. My rights to privacy is being violated by TransUnion.

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 2016-02-29
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
Those number have been calling since XXXX 2015 7 days a week more than 25 calls a day including holiday when I pick up the calls no one says anything. I called back its macys/citibank. I have been calling, emailing macys personally since XXXX 2015 regarding charges on my account. They promesed they will fix it ; they never did. I paid them over the money that was owe on the account the account never fixed until XXXX. I spoke to several managers regarding the issue, my account has been compromised no one cares. I stop paying last 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 2022-07-18
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2019-04-14
Company: TOYOTA MOTOR CREDIT CORPORATION
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 status incorrect

Complaint:
Toyota financial services has reported my payments are late to credit bearus. I had a few extension agreements due to XXXX. I was assured that it would mark my payment as current. That was 2018. Now toyota is just not reporting correctly. Now it says my payments are late. I have a 30 day late on all credit bearus that was paid on time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Factor Trust
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I, XXXX XXXX, a federally protected consumer, am submitting this complaint against Factor Trust , INC. Factor Trust has my personal information inaccurate and incorrect on my consumer report which is causing great stress. MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX. I do not have any other addresses and I Do not wish to disclose any other addresses. Unless Factor Trust can produce or present to me legally authorized evidence to retain, much less report, these addresses, I DEMAND THAT FACTOR TRUST DELETE THEM FROM MY CONSUMER REPORT. Otherwise, Factor Trust is infringing on my federally protected consumer rights. " XXXX XXXX XXXX XXXX, LA XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, LA XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX, AND XXXX XXXX XXXXXXXX XXXX XXXXXXXX, LA XXXX '' NEED TO BE DELETED. Factor Trust has no legal authority to retain these inaccurate addresses on my report, especially without my consent. ALL OF THE PHONE NUMBERS LISTED ARE INACCURATE AND I DO NOT WISH TO PROVIDE ANY TELEPHONE NUMBERS. I do NOT wish to disclose ANY EMPLOYERS, unless you can produce or present to me legally authorized and verifiable evidence to retain mush less report these employers. I DEMAND THAT THEY ARE DELETED FROM MY CONSUMER REPORT. THE FOLLOWING BANK ACCOUNT IN ATTACHED LETTER SHOULD ALSO BE REMOVED. THERE IS NO REASON MY NONPUBLIC PERSONAL INFORMATION SHOULD BE SHARED WITH ANY THIRD PARTIES. I DEMAND THESE INACCURACIES BE CORRECTED IMMEDIATELY BECAUSE THIS IS CAUSING ME PROBLEMS OBTAINING HOUSEHOLD GOODS, A PLACE OF RESIDENCE, TRANSPORTATION, AND STABILITY. Factor Trust is now liable for damages of {$1000.00} per violation for civil liability for willful noncompliance. this also includes any actual damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14
Company: Millco Management
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Amerifinancial Solutions I have a a unverified account from your office. I had previously disputed this account. I have never done business with Amerifinancial Solutions. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. 
I request that Amerifinancial Solutions Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. )  Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Amerifinancial Solutions Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX, XXXX, and Equifax continue to report inaccurate information. The reporting agencies must maintain accuracy. The account listed XXXX XXXX Account # XXXX is not reporting accurately. 

Equifax is not reporting the account, XXXX has 4 payments listed and XXXX has one. This means this account is not accurate and has not been properly validated under FCRA. This is causing damage to my consumer report and scores. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 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.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Other problem getting your report or credit score

Complaint:
I have used XXXX as my credit monitoring service for several years and in XX/XX/2022 I notice that XXXX, TransUnion, and XXXX had stop reporting my credit score through the XXXX Credit application even when I was paying the premium charge to XXXX every month. So, since they couldn't seem to fix the problem I down grade to the free XXXX app where I was not paying {$24.00} a month anymore. I decided to try and get all three of my scores again because I am getting ready to purchase another home. I opened the XXXX app on XXXX and paid the {$24.00} out of my bank account and still I can't get my credit scores from TransUnion or XXXX. I reached out to TransUnion and XXXX and they tried to get me to open a monitoring service with them but I don't want to pay separate services. Then today I get a letter from XXXX  Escalation service stating that they believe that my information does not add up to what TransUnion or XXXX may have. I have on several occasion reported that XXXX put the correct address and TransUnion as well. I don't need to pay for a credit monitoring system and the credit reporting agencies are playing with my livelihood.

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 2017-07-25
Company: EQUIFAX, INC.
State: MD
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:
I noticed on my XXXX report that there are multiple inquiries that were not authorized by me. Here are the inquiries. 1 : XXXX XXXX XXXX XXXX/XXXX/XXXX 2 : XXXX XXXX XXXX XXXX/XXXX/XXXX 3 : XXXX XXXX XXXX/XXXX/XXXX 4 : XXXX XXXX XXXX/XXXX/XXXX 5 : XXXX XXXX XXXX/XXXX/XXXX 6 : XXXX XXXX XXXX/XXXX/XXXX 7 : XXXX XXXX XXXX/XXXX/XXXX 8 : XXXX XXXX XXXX/XXXX/XXXX I think their is someone apply for things with my information and I would like these removed and an investigation be started if that 's possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 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 2018-05-17
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Problem with customer service

Complaint:
Tried XXXX XXXX, would work. Tried money gram. They require uploading a picture of the state ID. What does one do without a camera? 

It's galling Moneygram collects all this personal information, including credit card CCV and date of birth, and doesn't tell us that the process is for nought, other than getting personal information. 
At the very least, at the onset Moneygram should let all know what the requirements are, before requiring personal information. I also don't have a phone, so what does one do? 

Date : XX/XX/2018 Authorization # : XXXX ( used for tracking only )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Experian Information Solutions Inc.
State: SC
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:
After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were erroneous items on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/XXXX. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included am hoping that these items will be corrected. 


XXXX XXXXXXXX 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 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