BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
After carefully reviewing my credit report. I noticed XXXX and Experian are still illegally reporting an inaccurate/alleged account after being notified of this on numerous occasions. Under the laws and UCC 9.506 as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : XXXX. - EFFECT OF ERRORS OR OMISSIONS. 
XXXX. - NOTIFICATION BEFORE DISPOSITION OF COLLATERAL XXXX. - TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 

XXXX. - CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL In addition, if Experian and XXXX singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to XXXX XXXX remedies. 

Furthermore, the bureaus are hereby notified that at no point in time and under no circumstances is the company ; an employee of Experian and XXXX company ; a representative for Experian and transunion company or affiliates are to contact me or any family members by any means other than the XXXX mail system and responses through the cfpb.

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 2022-05-04
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
An 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.

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 2015-12-01
Company: Centric Asset Management Inc
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Company called my home phone number XXXX, asking to speak to XXXX XXXX XXXX about his father XXXX XXXX. I returned call to called named XXXX who identified himself as an employer of XXXX XXXX on ansering machine. I told him that my husband 's name is XXXX XXXX XXXX and we do not have a relationship with XXXX XXXX and to remove our contact information and direct any communications to XXXX XXXX 's mailing addressXXXX then began to get belligerent on the phone and call myself a liar and describe the house that belongs to XXXX XXXX. I attempted to inform him again that we would like to not be contacted again and asked for company name and address. He said he worked for XXXX XXXX and hung up. I then called him back several times on my cell phone XXXX attempting to once again obtain mailing address to send notification to not contact us in regards to this issue with XXXX XXXX. He then began telling my husband and myself at this time he would press charges and have us arrested for harassing his business and how we are liars we always see and speak to XXXX XXXX. Threatened my husband that he would call everyday until we told XXXX XXXX to contact them or they would come after us for the debt. The debt he then told us was because of a bank fraud and that we would be responsible for the money. I, nor my husband, are XXXX XXXX and this information should not have been disclosed to us and he would not use our home phone number as a reference because we only make calls with our cell phones. I contacted the Attorney XXXX XXXX in Louisiana and they informed me to contact FTC with complaint. I still do not have any contact information for the company. The called from phone number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: EQUIFAX, INC.
State: IA
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:
Students loan was relieved by government. I should no longer have a balance. Student loan forgiveness was in effect as I an a 100 % XXXX XXXX.its affects my credit score greatl.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
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 .the following accounts have violated my rights. 

! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) portfolio recov assoc account # XXXX 15 U.S.C 1681 section 602 A. STATES I HAVE THE RIGHT FOR 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 MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
After carefully reviewing my credit report. I noticed transunion and XXXX are still illegally reporting an inaccurate/alleged account after being notified of this on numerous occasions. Under the laws and UCC 9.506 as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : XXXX. - EFFECT OF ERRORS OR OMISSIONS. 
XXXX. - NOTIFICATION BEFORE DISPOSITION OF COLLATERAL XXXX. - TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 

XXXX. - CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL In addition, if XXXX and transunion singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to XXXX XXXX remedies. 

Furthermore, the bureaus are hereby notified that at no point in time and under no circumstances is the company ; an employee of XXXX and transunion company ; a representative for XXXX and transunion company or affiliates are to contact me or any family members by any means other than the XXXX mail system and responses through the cfpb.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My last 4 of my social is XXXX. I checked my personal credit report and I noticed unauthorized inquiries had been made. So I first contacted these furnishers of the inquiries, with a few giving me the runaround who conducted these inquiries and asked them to remove their credit inquiry from my credit profile and I have gotten nowhere and this is not right. By law per the FCRA you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below 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 inquiries and send me an updated copy of my credit report. XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX. If you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter. Also, I have attached a copy of my passport and social security card for your files. I am constantly having a hard time being able to have someone help me when I call. They asking me security questions from stuff I cant remember 2 years ago. Please put these documents in your files so it can be easy for me to talk to someone if I ever have to call again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
After carefully reviewing my credit report. I learned XXXX and XXXX were purposely continuing to report inaccurate inaccurate information on my credit profile. I have disputed the inaccuracies numerous of times and both credit reporting agencies lied and said that this world finance account met FCRA requirements. This is clearly untrue. I have attached a screenshot of my credit report to this complaint. I found XXXX inaccuracies on this world finance account. The FCRA requires the credit reporting agencies to report everything the same across the board on an account. I have proof that XXXX and XXXX is failing to comply with FCRA laws. Transunion is reporting date opened XX/XX/XXXX, balance {$630.00}, past due XXXX, payments Status collection/charge off, last reported XX/XX/XXXX, comments - collection account placed for collection, date last active XX/XX/XXXX. XXXX is reporting date opened XX/XX/XXXX, balance {$0.00}, past due {$0.00}, payment status- wage earner plan, last reported XX/XX/XXXX, comments- debt included in or discharged through bankruptcy chapter 13, and date last active XXXX, all this is verrrrryyyy different information which is inaccurate information and is not the same across the board. If this matter is not resolved I will seek legal counsel. I am also demanding XXXX and transunion to pay me XXXX for everyday that this inaccurate sits on credit profile. This account has caused me to get denied for credit on several occasion and the condescending account information between the bureaus are defaming my charter.

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 2022-05-04
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXXXXXX 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

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 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date opened XX/XX/2020 Balance : {$4600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-22
Company: Experian Information Solutions 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:
I sent a letter requesting that you reinvestigate the disputed Accounts from my credit report as well as remove or update these Accounts from my report during the investigation period. As of this date, you have failed to respond to my request. XXXX XXXX XXXX XXXX  XXXX XXXX Balance {$0.00}, XXXX XXXX Balance {$2.00}, XXXX  XXXX Balance {$400.00}, XXXX XXXX XXXX Balance {$0.00}, XXXX XXXXXXXX Balance {$1000.00}, XXXX XXXX XXXX XXXX Balance {$570.00}, XXXX XXXX XXXX XXXX Balance {$1100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 following companies/account ( s ) ; XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX : Account # XXXX -XXXX XXXX XXXX  : Account # XXXX XXXX XXXXE XXXX : Account # XXXX have violated my rights as a consumer. 

15 U.S.C 1681 section 602 ( A ). states I have the right to privacy 15 U.S.C 1681 section 604 ( A ) sec. 2 states a consumer reporting agency can not furnish an account without my written consent

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 2022-05-04
Company: TD BANK US HOLDING COMPANY
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: Account information incorrect

Complaint:
The reason why I am submitting this complaint is because there is a late payment reported on my account on XX/XX/2021 and I would like to explain what happened and let you know that this was not my fault, however, my financial life has been a mess since this late payment appeared on my account. 

There was a third-party company that was supposed to make the payments on my behalf. This payment of {$750.00} that was scheduled for XX/XX/2021, didnt get processed due to a glitch in this companys system. I couldnt login to my Nordstrom account to check the payment status. 

I was not aware that the payment didnt go through. In my mind, the payment was on time, as normal. I had the money to pay and I did all that was in my hands to pay on time, but this was something that I could not control. 

When I realized that I was reported late, I decided to contact this company. I am being very affected due to their error. When I contacted them, they apologized and sent me a letter explaining what had happened. By that time, I was already marked as late. 

Please see attached : Letter from third-party company as proof of their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My loan was sold to Navient from XXXX XXXX. I had a brief loss of income several years ago and the loan was sent to XXXX XXXX for collection. My payments are timely and have been for years. XXXX XXXX collects 0.010 % on the loan. They are telling me there are no other interest charges however Navient is still charging interest on my loans so I can not get ahead. I can not communicate with Navient because every time I call in the call is forwarded to XXXX XXXX. Most likely I am eligible for public service loan forgiveness but can not speak to anyone at Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: SYNCHRONY FINANCIAL
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have the care credit card and I am seeing a lot of other are getting targeted for the care credit XXXX and I would to include myself in that offer so I called customer service talk to all these worthless reps overseas that have no idea what I am talking and wait for a manager and there is no way these reps can transfer to a manager the call stays of hold for ever and they can never get a hold on the don't want kind of customer service synchonary is running but its the customer service in the world and something needs to be done about it. all I want to do is try to upgrade too the care credit XXXX I have my run ins with shynchnoary have used to be able to get hold of the cooperate offices but no more they changed all the phone numbers and you cant get a hold on anyone at all I left messages on XXXX XXXX voice mail and have no heard a thing back and I even XXXX XXXX and XXXX XXXX and have not heard back one single thing this is the only way to ever get a hold on anyone

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: WHEELS FINANCIAL GROUP, LLC.
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:
I AM VICTIM OF AN IDENTITY THEFT, AND I HAVE REACHED OUT TO THIS COMPANY FOR OVER A YEAR NOW. AND I EVEN HAVE ASKED THEM TO PROVIDE PROOF OF ME EVER GETTING ANY TYPE OF LOAN FROM THEM. THEY HAVE NO PROOF YET THEY WILL NOT REMOVE THIS FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I NEED SOMEONE TO EXPLAIN TO HOW I CANT PROOF THAT I AM VICTIM. I DON'T KNOW WHAT INFORMATION TO PROVIDE, I KEEP CALLING XXXX XXXX XXXX, THEY CANT PROVIDE INFORMATION, I KEEP CALLING XXXX  AND XXXX  THEY CANT SEEM TO GIVE ME CLEAR INFORMATION. I THINK THESE BIG CORPORATIONS ARE DING THESE ON PURPOSE TO LOWER PEOPLES XXXX SCORE OT THEY ARE THE ONESE WHO ARE SELLING CONSUMERS INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I received my discharge for my bankruptcy on XXXX/XXXX/2016. None of what was included in my bankruptcy, which was everything on my credit reports, were removed from my report. I understand they stay on there and are just marked as discharged, but there are roughly XXXX things left on there that are not marked discharged, that in fact were discharged. The only active thing on my credit report should be a paid off car loan that was obtained after the bankruptcy and is now paid off. i was givin this information by XXXX bank when trying to obtain a new loan to start rebuilding my credit. I need this taken care of immediately.

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 2022-01-23
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Back in XXXX of 2018. My husband filed for XXXX  XXXX bankruptcy protection. Because of this I had a credit card that was erroneously closed because my husband was an authorized user. The creditor, TD Bank/XXXX, at that time immediately closed my account and reported the account as charged off. 

Under standard bankruptcy law. Once a debt is under an automatic stay. All collection activity must be stopped. Reporting accounts as anything other than included in bankruptcy would be a form of collection activity. As the creditor is clearly trying to compel payment of said debt by reporting the information in a negative fashion. 

While Ill agree this is not my bankruptcy. The creditor chose to include themselves in this bankruptcy. My husband was an authorized user on this account and his information was never used in the determination for credit approval. This account up until this moment had always been paid in time with no negative reporting taking place. But XXXX upon learning of my husbands bankruptcy opted to show at the meeting of the creditors and opted to include this debt and in his bankruptcy. By doing so they subject themselves to the requirements of the bankruptcy. They are obligated under the bankruptcys automatic stay to cease all collection activity. 

I have tried on multiple occasions to dispute this item on my credit report. I have presented evidence to the credit bureaus that this item was included in a bankruptcy proceeding. However nothing is ever completed or updated accordingly. This item continues to report as an active charge off on my credit file. Even though XXXX clearly expects to be either be paid or discharged through this bankruptcy proceeding. 

This item should be removed as being wildly inaccurate concerning my payment history. As I have paid this account on time every month. It wasnt until they chose to subject themselves into a bankruptcy proceeding that they closed the account and reported as a charge off. They could have opted to remove the authorized user and keep the account open and continued receiving payments.

Company response to consumer: Closed with non-monetary relief