BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-29
Company: Bridgecrest Acceptance Corporation
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

BRIDGECREST XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 credit inquires on my credit from, XXXX XXXX XXXX XXXX XXXX XXXX I have reached out to the bureaus they were no help had me on the line waiting and still 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 explanation
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-23
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: Reporting company used your report improperly

Complaint:
In accordance with the fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # xxxxxx XXXX, has violated my rights by reporting the following inaccuracies that are Un-Verified without my consent. 
XXXX XXXX  30 days past due XXXX XXXX 30 days past due XXXX XXXX 60 days past due XXXX XXXX  30 past due XX/XX/XXXX - 30 days past due XX/XX/XXXX - 30 days past due I demand that this account be updated to paid as agreed and never late. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: T.S. Holdings
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: Information belongs to someone else

Complaint:
XXXX. XXXX XXXX is reporting a charged off rent balance for an address I never lived in the amount of {$3500.00} it's reporting the date opened XX/XX/2017 with an original balance of {$2600.00} I've been going back and forth with this collection agency for years with no sign of solutions. 

The company only offer a settlement which is adding insult to injury for a debt that's not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
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:
In accordance with the fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights by reporting the following inaccuracies that are Un-Verified without my consent. 
XXXX XXXX 30 days past due XXXX XXXX 30 days past due XXXX XXXX  60 days past due XXXX XXXX 30 past due XX/XX/XXXX - 30 days past due XX/XX/XXXX - 30 days past due I demand that this account be updated to paid as agreed and never late. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604A 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 2022-06-08
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 had disputed the following XXXX accounts XXXX times with this agency asking for validation to these accounts. Instead they simply respond verified which is violating my rights to see how they validated. These are reporting incorrectly on my report besides that being they are said to be charge offs but yet show 100 % payment history. Its well past the XXXX In NY and these companies no longer own the debt nor do I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I sent navy federal a remittance coupon with my beneficiary signature with the amount due on both of my credit cards ; my green go rewards visa and blue more rewards XXXX XXXX. they wrote me back saying the debt was valid and closed my account. also with the remittance coupon i sent a cover letter notarized stating their fraud when double dipping at n cest que vie trust. the definition of a bond and coupon and etc... they wrote me back saying the debt was valid. the obligations of the united states 18 usc 8 ; obligations of the united states includes, all bonds, certificate of indebtedness, national bank currency , federal reserve notes, FRN bank notes, coupons, united states notes, treasury notes, gold certifications, silver certificates, fractional notes, certificate of deposits, bills, checks, drafts for money, drawn by or upon authorized officers of the unites states, stamps and other representative of value or whatever denomination issued under the act of congress and cancelled united states. In lament terms I am a creditor cant owe debt only the united states. credit card defined under the truth in lending act 15 usc 1601. A credit card is any card card, plate, coupon book, or other credit devices existing for the purposes of obtaining money, property, labor services on credit. Navy federal is the original debt collector and credit bureaus are 3rd party collectors. congress said under 15 usc 1692 there is an abundant evidence of the use of abusive deceptive, and unfair debt collection practices by many debt collectors, abusive debt collection practices contribute to the number of personal bankruptcies, martial instability, loss of jobs, and invasion of privacy. 
IN ADDITION I DEPOSITED A CHECK INTO MY SAVINGS. NAVY FEDERAL STOLE MY MONEY FROM MY SAVINGS TO PAY THE CREDIT CARD AFTER THE LETTER WAS SENT. THIS HAPPENED ON XX/XX/2022. I called to have them reverse it they refused. the supervisor was nasty and I informed her that it was unlawful but she was adamant about it. She said it was legal. i explained to her that lawful and legal was not the same. she then proceed to send me the terms and agreement which does not apply here. I am not an employee. No policy overrides law. This grounds for a lawsuit. i also sent them another letter that was delivered express mail and received on XX/XX/XXXX stating I am the original creditor and they are the debtor. they should credit my account for 3 business days from the postmark. they have not done so. i sent them a notice of liability and the terms of conditions if they refused what will be the monetary consequences.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
The complaint is in reference of the account XXXX  Balance reported as of XX/XX/2020 - {$4800.00} : I could not keep that account open during COVD and could not make any payments. I call XXXX to try to work something out, but after not having a job for a few months, per the government, but their only solutions after the first month were for me to pay money that i did not have. I asked them to please not call me anymore or send letters if there was not a solution. ( I am a XXXX XXXX ) I also did not get unemployment approved until 2 weeks before i went back to work and didn't get that til i went to work. 

According to the law, my credit is supposed to be private I did not give this company permission to put this information on my credit and eventually had to have a credit dispute agency send a letter accordingly. This account was removed from my credit reports, but has now re-appeared on my TransUnion and XXXX reports. It is not being reported again on my XXXX. 

[ 15 U.S.C. 1681 ] Section 602 A states I have the right to privacy.

It aslo states : 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.

My information is again not being reported accurately on the 3 consumer reports.

15 U.S. Code 1692c - Communication in connection with debt collection c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except XXXX did not honor this and continually called me and sent letters for over 1.5 years Again, I did not give XXXX permission verbal or written to share my information. 
Last year i hired a credit disputing company. All of my information and the letters of communication XXXX sent is with XXXX XXXX XXXX I forwarded it all to them, but they only work on things for XXXX. and I can not afford to pay for another year. 
I can have all of these letters sent to you if needed, I can also pull my XXXX accounts from the last 2 years if needed.

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 2022-07-04
Company: Consumer Adjustment Company Incorporated
State: PA
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 Consumer ADJ CO Acct # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
There are fraudulent accounts being reported on my credit report that must be deleted now. I did not give consent to any of these accounts. Please fully investigate and remove inaccurate items from the report.

Company response to consumer: In progress
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: DE
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 writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: IL
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-23
Company: Midwest Loan Services, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The mortgage company escrow dep. was supposed to pay our new insurance carrier for our home owners policy, they claim to have done so 4 times, each time the insurance company indicates they have not received the funds. We found the first 2 checks were sent with incorrect policy numbers despite me confirming the correct policy number the second time. Now the mortgage company keeps telling us they paid and when asked for calls back, and copies of checks front and back they claim they called and sent emails but we never received anything. The only time I received anything was when I had them send an email while I was on the phone with them. I have requested a copy of the back of the check they allege now was cashed on 3 sperate occasions and they said they would email the back of the check. I still do not have the evidence the insurance carrier is asking for so they can track the payment and match it to my account. 
I have spent hours on the phone making attempts to resolve the matter with out success and am disgusted that they keep telling me they call when they didn't and that they emailed us when we check our junk and spam and yet when we are on the phone it works fine. 
My Mortgage company is Midwest Loan Services on behalf of XXXX XXXX XXXX The missing check is for {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 report act XXXX XXXX XXXX account number 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 2022-06-08
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2022 Comenity Bank stated that I authorized them to electronically debit my bank account to pay the {$280.00} bill I owed to my XXXX 's Credit Card Account. I do not have a XXXX 's Credit Card Account, in fact I do not have any account for Anyone to debit any funds from!!! I contacted Comenity Bank by Email concerning these two fraudulent accounts involved here and explained that I have not opened any of these accounts and told them to freeze these accounts and investigate them because these accounts are an act of identity theft and/or fraud. 
The Email I got back from XXXX XXXX with Comenity Bank pretty much stated that they are not freezing these accounts or closing them or investigating anything even after they have been reported!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-23
Company: Experian Information Solutions Inc.
State: NC
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 credit inquires on my credit from, XXXX XXXX XXXX XXXX XXXX XXXX I have reached out to the bureaus they were no help had me on the line waiting and still 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 2022-07-04
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: Information belongs to someone else

Complaint:
I did not open/authorize these accounts.

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 2022-09-23
Company: EQUIFAX, INC.
State: LA
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:
In XX/XX/XXXX I contacted all ( 3 ) Three Credit Bureaus, over the phone and also online submitted dispute ( s ) pertains to all of the incorrect information on my file. ( It was brought to my attention that my identity had been breached. ) See Below ; ( None of the addresses on file are correct ) My only address is XXXX XXXX XXXX XXXX XXXX La. XXXX Need to be Removed ( See Below ) XXXX XXXX XXXX XXXX XXXX, LA XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX LA XXXX XXXX Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX, LA XXXX XXXX Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX Other XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX My Only XXXX # has been XXXX Please Remove Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Account that were Never Mine : XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX NOTE : According to Code U.S.C 1681 Sec. 602A States that I have the Right to privacy.

U.S.C 1681 Section 604 A Sec. 2 My Privacy should be furnish without my written consent.

Company response to consumer: Closed with explanation