BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX* XX/XX/XXXX RE : 2nd Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed unauthorized inquiries have been made. 
I contacted the sources of each of these inquiries who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into these inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

XXXX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Automotive ( XXXX ) XXXX XXXX , XXXX Inquiry : XX/XX/XXXX + Miscellaneous ( XXXX ) XXXX XXXX/XXXX  Inquiry : XX/XX/XXXX + Travel/Entertainment ( XXXX ) XXXX XXXX/XXXX XXXX Inquiry : XX/XX/XXXX + XXXX XXXX ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX  XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX   Inquiry : XX/XX/XXXX + Miscellaneous ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Miscellaneous ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX + Utilities and Fuel ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Automotive XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX Thank you for your assistance in this matter, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX*

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
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: Account information incorrect

Complaint:
I have recently obtained a copy of my credit file and there are many mistakes in my rep XXXX/ XXXX XXXX XXXX - XXXX : Unverified account XXXX/ XXXX XXXX XXXX XXXX XXXX : I have never paid late XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Unverified account

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 2017-07-24
Company: EQUIFAX, INC.
State: PA
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 have recently obtained a copy of my credit file and there are many mistakes in my report. XXXX - XXXX : Unverified account XXXX XXXX XXXX - XXXX : Unverified account XXXX/XXXX - XXXX : Unverified account XXXX XXXX XXXX - XXXX : Unverified account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: MoneyLion Inc.
State: GA
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 is not a duplicate complaint, it is involving a different company. I, XXXX XXXX, am a living woman and I am submitting this complaint on my own and there is no third-party working on my behalf. My issue with MoneyLion is that they have breached their own contract and have provided false and misleading information. I have been in dispute with MoneyLion for several months about their fraudulent activity and have not received any resolution to my dispute. Instead they have CHARGED-OFF my account and have reported this negative account to the consumer reporting agencies. This is a clear breach of contract. Within their Dispute Agreement, it states that all claims arising from or relating to this Agreement and the Loan must be resolved by binding arbitration. MoneyLion did not do this, they only charged-off my account and did not provide notice of such changes to my account. Pursuant 15 USC 1681a ( 2 ( b ) ), a charge-off account should be excluded from a consumer report and reporting a charge-off is a fraudulent reporting of an account. Reporting a charge-off is illegal because it is income and income is not reported to a consumer report. Before this account was furnished to my consumer report, an investigation should have been done which wouldve shown that this charge-off account should have never been reflected to my consumer report, which is identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2017-12-04
Company: Optimum Outcomes, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a medical collection that was supposedly owed through service at XXXX XXXX in XXXX, NC on XXXX/XXXX/XXXX. The bill was received initially from XXXX XXXX XXXX, in the amount of {$670.00}, who I contacted to find out what the charges were for. The hospital had no record of the bill, my insurance had no record of the bill and the company provided nothing more than the date of service and the amount due despite several requests on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. The bill was then sold to Optimum Outcomes IncXXXX who I have again tried to validate with on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX by both fax and mail. Again, despite my requests to validate what was owed and for what service, I was once again given only a date and an amount. I have repeatedly requested this either validated or removed from my credit reports with no assistance from the company or the bureau who just keeps stating the company validated it. I would pay this, but I can not find any proof that I owe it and the insurance has no record that I should owe it. I have tried numerous times to correct this with both companies and the bureaus with no luck. Please assist. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Santander Consumer USA Holdings Inc.
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Today, XX/XX/2022, I received an email from Chrysler Capital. In the subject line, it states " You're pre-approved on your recent online application ''. Except I never applied for a auto loan through this company, or have I submitted any applications for an auto loan. 

When I contacted them at XXXX, they won't allow me to speak with a customer service rep. Seems they sort of force you to 'login to your account '. I never created an account. I think it feels awfully scammy. 

I checked my credit reports and there is no info about a loan request or any recent inquiries. I can send CFPB the email I received. 

At the bottom of the email it states - " This message was sent to you as a customer of Chrysler Capital ''. Again, nobody answers the phone line they give. 
Here 's a copy and past at the bottom of the email- This message was sent to you as a Chrysler Capital customer at XXXX for transactional purposes. If you are not the intended recipient, please notify us immediately. 

" 2022 XXXX XXXX XXXX XXXX XXXX rights reserved. 
Chrysler Capital is a registered trademark of XXXX XXXX XXXX and licensed to XXXX XXXX XXXX XXXX. 
XXXX, XXXX, XXXX and XXXX are registered trademarks of XXXX XXXX XXXX. 
XXXX is a registered trademark of XXXX XXXX XXXX XXXX, used with permission. 
All other trademarks are the property of their respective owners. 
XXXX '' I don't know what can be done. Unless someone is using my email, I don't show any inquiries on my credit report. 

Just sending this to CFPB as it appears to be a scam. 
Thank you, XXXX XXXX and my email is " XXXX '. I attached a copy of the email. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 have recently obtained a copy of my credit file and there are many mistakes in my report. XXXX - XXXX : Unverified account XXXX XXXX XXXX - XXXX : Unverified account XXXX/XXXX - XXXX : Unverified account XXXX XXXX XXXX - XXXX : Unverified account

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 2021-04-22
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: Information belongs to someone else

Complaint:
I, XXXX XXXX sent Equifax an Identity thief report XX/XX/21 ( Check attachment ) sharing with them the exact accounts that were effected by fraud and letting them know these accounts are involved in litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CareCredit Account opened without my knowledge. My XXXX XXXX Account shows a derogatory balance due of {$5200.00}.

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 2022-06-11
Company: EQUIFAX, INC.
State: OH
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 Account # 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. 
XXXX  # XXXX OPEN XX/XX/XXXX XX/XX/XXXX CLOSED BALANCE {$420.00} CHARGE OFF. DISPUTE DATES XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX  # XXXX open date XX/XX/XXXX close XX/XX/XXXX XXXX  # XXXX {$740.00} Charge off {$1900.00} dispute 6 times open XX/XX/XXXX close XX/XX/XXXX Disputed 6 times XXXX XXXX {$800.00} # XXXX open date XX/XX/XXXX close XX/XX/XXXX XXXX XXXX XXXX {$240.00} open date XX/XX/XXXX still open Dispute 6 times # XXXX XXXX XXXX {$1300.00} # XXXX open XX/XX/XXXX dispute 4 times XXXX XXXX {$970.00} # XXXX Open XX/XX/XXXX XXXX XXXX {$470.00} # XXXX open XX/XX/XXXX disputed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 contacted Synchrony Bank numerous times and they refuse to delete the charge off from my account. They agreed to remove the charge off over the phone from my credit report. I paid this account in full and I want the charge off deleted from my credit report. I contacted them several times through email and phone. Synchrony Bank refused to work with me and I sent them several good will deletion letters. I could not pay the bill, because I was in the hospital. Out of common courtesy, I paid my bill in full and they still refuse to delete the charge off. Even though, they agreed to do so over the phone. They refuse to send me a letter stating that they will delete the charge off. They are also several mistakes on my credit report such as when the account turned into a charge off, because I was making payments to them until I became sick. I loved being a Synchrony Bank customer, but I will greatly appreciate it if they can remove this charge off. I paid my bill in full and I was XXXX XXXX  at the time. The account ends in 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 2022-06-11
Company: Convergent Resources, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
On XXXX I received a notification from XXXX XXXX that I had {$210.00} of debt sent to the collection agency by XXXX XXXX I had close my account and open my XXXX XXXX XXXX account XX/XX/XXXX. When I logged into my XXXX, now XXXX account, It says I have 0 devices with this company and I do not have any open accounts with this company. I took screenshots for proof but this is my first and only derogatory mark on my credit and I have nothing to do with XXXX. This has affected my credit and my hopes to move into a new apartment with the little credit I have. I have contacted XXXX and they have not offered me any help other than debt collectors number. The debt collector, convergent outsourcing, has been harassing me with calls everyday multiple times a day and I cant get any help. I am a fresh graduate of XXXX  XXXX and I really need help with getting this debt off of my account. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: CNG FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There was a recent collection added to my credit report that is not mine. I have been harassed over and over again about this account with Allied Cash Advanced that I absolutely do not owe or have any recollection of. I have never taken out a loan with them and I have disputed this once with Allied Cash Advance with another collection agency named XXXX and XXXX. This dispute was on Complaint ID XXXX The Company Check'n Go also known as Allied Cash Advance Responded saying : " To Whom It May Concern : We want to thank XXXX XXXX XXXX for contacting Check n Go regarding the calls she has been receiving. We understand that there is some confusion with the the calls she has been receiving from XXXX and XXXX in an attempt to collect on a loan with Allied Cash Advance. We completed an investigation into the matter and advise we can confirm that there are no accounts matching XXXX XXXX 's information in our system Thank you. Customer Advocacy Department, Check n Go. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
1. In the attached documents, I provided a clip in which TransUnion has denied me access to my online accounts ( this is in leu of an active investigation which inhibits delays this ), 2. XXXX XXXX and TransUnion reporting I have a high balance of {$1600.00} between XX/XX/2022 and XX/XX/2022. That is fraudulent information. This card has a 9.9 % utilization at {$140.00}. 

3. Lastly, I have documentation that this item was deleted from my credit report.

The item is still being reported.

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 2021-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 CONTACTED XXXX XXXX XXXX ABOUT AN ACCOUNT ON MY CREDIT REPORT THAT I DIDNT AUTHORIZE. I SPOKE TO XXXX XXXX AND EXPLAINED THAT I DIDNT AUTHORIZE ANYONE TO OPEN AN ACCOUNT IN MY NAME FOR SECURITY SYSTEM. WE SPOKE ON SEVERAL OCCASIONS ABOUT THE ACCOUNT AND I ASKED FOR ANY PAPERWORK THAT VALIDATES THE ACCOUNT OR ORIGINAL PAPERWORK ALLOWING THEM TO COLLECT A DEBT FROM ME. MR XXXX WAS SUPPOSE TO EMAIL ME THE DOCUMENTS ON 2 OCCASIONS BUT I STILL HAVENT RECEIVED THEM AS OF NOW. SO I AM FILING THIS COMPLAINT IN ORDER TO GET MY CREDIT IN ORDER. I AM ATTACHING THE ACTUAL LETTER THAT I SENT TO XXXX XXXX XXXX AND THE DOCUMENTATION THAT I ASKED FOR. I EXPLAINED TO MR. XXXX THAT IF HE COULD PROVIDE THOSE DOCUMENTS THAT I COULD HANDLE THE MATTER DIRECTLY WITH PROTECT AMERICA. I AM FILING THIS REPORT ID THEFT BECAUSE HE SAID THAT THERE WAS OVER A YEAR OF PAYMENTS MADE TO THIS ACCOUNT. I HAVE NEVER SENT ANY MONEY TO XXXX XXXX  OR XXXX XXXX XXXX. ANY TRANSACTIONS ARE A RESULT OF IDENITY THEFT.

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 2017-10-15
Company: Rocket Mortgage, LLC
State: MN
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have my account set up on automatic payment through my bank since I took this loan out inXX/XX/XXXX at Quicken Loans. Since then, I have made every single payment on or around the XXXX of the month before the month due. In XXXX, I was informed that my payment was going to change because of an increase in escrow needed for the account. I am XXXX years old and I do not use online banking very often. Apparently it was not scheduled automatically anymore after I went in to adjust the amount on my bill pay, and the payment did not go through as desired. I was not, in any way, notified about this problem until I received notice in the mail onXX/XX/XXXX ( Mail was postmarked XX/XX/XXXX ). I contacted Quicken Loans on or around XX/XX/XXXX and asked them about the problem. They informed me of the issue as well over the phone and I received help from my bank to both correct the bill pay problem but also to make a double payment to offset the error. I am filing this complaint because there no notification at all from Quicken Loans to me about this error until well after 30 days had passed. Had they attempted to contact me before it was too late, I would have made an immediate payment to correct the issue before I was 30 days late. There were also no phone calls or any other efforts made to me outside of standard USPS mail. I feel that, as a 5 year customer that has never missed a payment, Quicken Loans could have and should have made a more prompt effort to notify me that there was a problem. By not doing so, not only have they put me in a situation that lowered my credit score by  about 100 points, but, of course, they also were able to collect a fee on me. I feel I am a victim of this non-communicative effort and feel this is a violation of the Unfair, Deceptive, and Abusive Acts Practices Regulation set forth by the CFPB. I want the 30-day late payment removed from the account immediately and I want the fee removed as well. In my effort to contact Quicken Loans about this on the 10th, the customer service rep there was ignorant to the situation and simply stated I would need to file a dispute with the credit bureaus. When I went to do so, there is no option to file a dispute based on the UDAAP Regulation, as there should be. So I am filing this complaint appropriately here. I look forward to a prompt response to this issue so I can straighten out my credit score accordingly and receive the fairness I deserve as a consumer and long-standing mortgage customer of Quicken Loans. 

Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-26
Company: CCS Financial Services, Inc.
State: PA
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:
Hello, I have recently noticed fraudulent activity on my credit report. I believe I am a victim of identity theft. There are accounts on my report that I did not authorize. I have a security freeze and should have been notified before my information was ran. These fraudulent items are reporting inaccuracies to my which are affecting my relationship with creditors. Please investigate these matters and remove the disputed items.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation