BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-05
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20
Company: Viva Finance Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX, XXXX and XXXX has incorrectly reported a loan from Viva Finance as a XXXX off. My loan is in good standing and it was not charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: NC
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: Problem with personal statement of dispute

Complaint:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: TX
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:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: FL
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:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-30
Company: EQUIFAX, INC.
State: CA
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 XXXX XXXX, XXXX XXXX, CA XXXX CHILD SUPPORT XX/XX/2023 XXXX XXXX To Whom It May Concern : On XX/XX/2023, I received a copy of my credit history report from XXXX, Equifax, and XXXX XXXX. That Report contained incorrect information reported by you. 

I contacted the XXXX Equifax and XXXX XXXX to request deletion of this inaccurate data from my Credit History Report, but they have refused. They insist that your company claims this information to be accurately reported. This is not true, and here as follows is the correct information : Child Support - I never had child support in my life. Me and my wife still live together and have our kids under the same roof. These child support payments are reporting inaccurately on all XXXX credit bureaus, ( XXXX, Equifax, and XXXX XXXX ). 

This negative mark is damaging to my credit. Please contract XXXX, Equifax and XXXX , immediately to remove this information from my credit file. 

Please confirm to me within 20 days that you have contacted the credit bureaus to correct this information. 

Thank you for your time and assistance. 

Sincerely yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: ALLY FINANCIAL INC.
State: OK
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Ally Financial called my father and sister to tell them they were looking for me, after speaking to me on the phone and receiving a payment towards my debt. 

I spoke to Ally on Monday, XX/XX/XXXX, at XXXX. On Wednesday, XX/XX/XXXX, we made a payment toward the debt. Since then, theyve tried calling me two other times, and, because I was at work and couldnt answer the phone, Ally proceeded to call my father and sister, under the guise of looking for me. 

This blatant harassment will not be tolerated. Ally was not looking for me - these calls are a form of public embarrassment and slander, given that were still making payments.

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 2023-01-26
Company: Experian Information Solutions Inc.
State: DE
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. 

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 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 2023-03-06
Company: JPMORGAN CHASE & CO.
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
This is been going on with Chase 5 or 6 months. First, they sent me a credit card bill for a chase credit card I never owned or applied for. After about 5 months, I called again after contacting you, and they actually closed the account and sent me a written confirmation. 
In today 's mail, they sent me another credit card for which I did not apply. 
I want that card cancelled immediately. I cut the card into pieces upon receipt. Are these people at Chase criminals. What is going on. Please tell them I contacted you. 
XXXX XXXX XXXX XXXX, MS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: Contemporary Information Corp
State: DE
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: Public record information inaccurate

Complaint:
CIC has stolen my personal private information and shared it without my permission. Sold my personal rental records without my permission, obtained and published my private personal information without my knowledge or permission. Published false and misleading documents to potential landlords causing my denial of housing based on inaccurate information regarding XXXX XXXX XXXX Placed active judgements on my rental record when there are none. Will not allow for disputes to be levied on their website. I demand that all records be deleted immediately, and not report, or collect my information without express written consent or legal action will follow for aggravated identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
My mom sent 2 wires from her checking at HSBC to my checking account at XXXX XXXX twice, unsuccessfully, because she mistakenly used a retired/stale XXXX XXXX routing number ( XXXX ) notwithstanding the right account number. Rightfully, twice the amounts were bounced back to her HSBC account but each time {$50.00} was withheld ; in total a total of {$100.00} was docked, given 2 round trips. 
I would like to request courtesy waive and imbursement of the {$100.00} as it was an honest mistake and first time offense. However, neither sending bank ( HSBC ) nor receiving ( XXXX XXXX ) acknowledged that it charged the fee. Its a mystery case but {$100.00} is withheld by someone but neither is helpful in figuring out whom, simply directing me to the other. 
The two dates, out-going and bounced amounts were were ( statement also uploaded ) : 1st : XX/XX/2023, out-going wire = {$830.00} from HSBC ( returned XX/XX/2023 but only {$780.00}, {$50.00} lower ) 2nd : XX/XX/2023 out-going wire = {$780.00} from HSBC ( returned XX/XX/2023 but only {$730.00}, {$50.00} lower ) I called HSBC Customer Service and visited HSBC Branch ( at XXXX XXXX , even spoke to Branch Manager on XXXX ) and was told that the fees were not charged by HSBC, and directed me to XXXX XXXX. I called XXXX XXXX Customer Service and visited its branch ( at XXXX XXXX in XXXX XXXX on XX/XX/XXXX ) and was told XXXX XXXX did not charge any fee. In fact, the retired/stale routing number that my mom used wont accept any incoming wire ( or the amount would have been applied towards my account ) XXXX XXXX XXXX ( All other XXXX XXXX Offices XXXX XXXX XXXX XXXX ) From speaking with HSBC and looking at statements, these 2 wires were sent via XXXX  ( XXXX XXXX XXXX ) and the relevant sequence # on both wires, both outgoing and the bounced return were included in the statement attached I also tried calling XXXX  at its customer service number shown online but a representative told me they wont interact with retail customer ( XXXX XXXX XXXX at the Customer Service at Phone : XXXX ) At this point, I dont know where to turn to appeal for the reimbursement of {$100.00} fee

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still inquiries that need to be deleted. The 3 Credit Bureaus must verify these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed inquiries will be removed as soon as possible. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2022 XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XX/XX/2022

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 2023-10-05
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company Resurgent capital servicesXXXX LVNV Funding LLC is trying to Rip me off or Scam me with a debt that is not mine... 

I also requested the receipt of the bought of this account and they REFUSE and are hiding to show me this receipt .... Meanwhile XXXX Bank, Member FDIC send me a receipt that shows Resurgent capital services/ LVNV Funding LLC XXXX way less money for this account and are trying to rip me of or the owner person that owns this account with a higher amount... 

Also check the address on the statement they are providing to me person ( see Attachment ), I had never in my life lives in XXXX XXXX nor in XXXX XXXX ( NEBRASKA ).. They can not even provide a ZIP CODE .... 

BY NOW ITS SHOWS CLEARLY THEY HAVE MIX UP A DIFFERENT PERSON WITH MY NAME AND ARE NOT WILLING TO PROVIDE THE ACTUAL PROOF THATS SHOWS THAT INDEED THEY BOUGH AND THEY OWN THIS ACCOUNT... 

BTW WHERE IS THE SIGNED CONTRACT BETWEEN MY PERSON AND Resurgent capital services/ LVNV Funding LLC THAT SHOWS AND PROOF THAT I HAVE AGREED ANY BUSSINES WITH Resurgent capital services/ LVNV Funding LLC XXXX XXXX? 

BE AWARE PEOPLE THIS COMPANY UNDER THE NAME OF Resurgent capital services/ LVNV Funding LLC ARE SCAMMER THAT TRY TO RIP YOUR MONEY OF

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: AK
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 XXXX  % XXXX  and XXXX  veteran whose student loans were discharged but company is still refusing to cooperate and TOTALLY REMOVE ALL aspects of negative impact of my student loan I need immediate action and relief to take place concerning this by all credit bureaus they are failing to help me with company still negatively reporting loans even they should not even be listed. showing a charge off does not delete it of my credit report. one thing about college i did lean is DELETE means Delete!. still showing fragments of the debt is still taking action against me and after trying to resolve issue i wonder if there are other structural and institutional efforts at work to continuously suppress and negatively impact my score. enough is enough please have them delete items off my report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-14
Company: General Motors Financial Company, Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/XXXX, my vehicle was reposed from my home. The last payment made to GM Financial was on XX/XX/XXXX. GM Financial charged off my account as on XX/XX/XXXX and placed a note on my credit file that my vehicle was affected by a natural disaster ( XXXX ). I never received a letter for a right to cure, a phone call, nothing. I personally have been reaching out to GM Financial after I made my last payment to find an additional XXXX  months have been added. I started my loan on XX/XX/XXXX. During years there were XXXX deferments, which I'm being told is XXXX payments. My loan end date was changed from XX/XX/XXXX to XX/XX/XXXX which would include the XXXX payments. XXXX XXXX that is not correct. Even though my loan was extended by 8 months, I still have XXXX  months of deferment payments to complete after the loan has ended which is a total of 16 months. 
I have sent several certified letters to resolve this matter and XXXX verified today that the letters were received but no one called me or the attorney to discuss the matter. There are several payments made where it applied XXXX payments to XXXX month and on XXXX there was XXXX payments made but only counted as XXXX payment. Now today GM Financial reps, compliance reps, and managers refused to allow a payment to be made so I can retrieve my vehicle and handle this matter legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
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:
I sent a dispute to the credit bureaus on XXXX XXXX 2022 in regards to my account XXXX XXXX account number XXXX and its been

over 45days no respond. this is grounds for removal. The credit bureaus also violated theres rights under these laws : 15 U.S.C 1666B : A creditor may not tre at a payment on a credit card account under an open end consumer credit plan as late for any purpose 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 i attached the copy of the dispute

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 2023-07-30
Company: EQUIFAX, 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:
I can not see my updated credit report, only shows credit report as of XX/XX/23. Beleive my profile is split, and data needs to be removed in order for actual real time scores to be seen. Can not get approved for loans either as the company can not pull my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: LJ Ross Associates
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2023, LJ Ross and Associates contacted a family member of mine on their home phone after repeatedly calling them for the past couple of weeks. When calling my relative, they asked their name and proceeded to tell them it was an attempt to collect a debt. After she told them that she was not myself ( they stated my name and asked if she was me ), they proceeded to tell her the company the collection was for and the exact dollar amount of the collection. She told them that she was not the person whose name was on the debt nor has she ever lived in the city or state they are collecting for. 

LJ Ross and Associates has never contacted me via my phone number or address to validate the debt that they are collecting.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation