BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
My name is XXXX 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 2022-09-29
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Maximus Education, LLC dba Aidvantage
State: NV
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:
Hello, my name is XXXX XXXX, and I need your help in contacting this company. I tried to contact them to find out why someone had registered an account in my name. This is a serious matter, and I'm unhappy that it's now affecting my credit score. I do not authorize anyone to use my name, date of birth, or any other information as it violates Data Privacy. They need to identify out who opened the account in my name and simply transfer the information to that person. Please assist me in resolving this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: CREDIT ACCEPTANCE CORPORATION
State: NV
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:
Hello, my name is XXXX XXXX, and I need your help in contacting this company. I tried to contact them to find out why someone had registered an account in my name. This is a serious matter, and I'm unhappy that it's now affecting my credit score. I do not authorize anyone to use my name, date of birth, or any other information as it violates Data Privacy. They need to identify out who opened the account in my name and simply transfer the information to that person. Please assist me in resolving this.

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 2022-12-12
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called Penn Credit and sent a letter in XXXX to let them know that this is not my bill. 
If I went to a hospital, surely, they would have my current address. They gave me an address where I lived 30 years ago. The letter I sent was : Penn Credit Corp. 
XXXX XXXX XXXX XXXX, XXXX, XXXX To whom it concerns, XX/XX/2022 The FCRA states that a consumer can make a legal claim against, and sue the credit reporting agencies, creditors and debt collectors who report information that is wrong. This is a Debt I DO NOT Owe. Since a collection agency can not sell a collection to another credit agency w/o notifying the debtor. I feel like they are acting illegally by violating the FDCPA. I have never been contacted by any collection agency about who or what I owe if anything. I do believe that this is a scam and will be reported to the CFPB and possibly sued. 
XXXX XXXX PENN CREDIT - XXXX Last updated XX/XX/2022 Current Balance {$770.00} Account Details DEROGATORY Account Type - Last Account Activity XX/XX/2022 Open Since XX/XX/2022 Ownership Individual Current Balance $ 770 Monthly Payment - Original Creditor XXXX XXXX XXXX XXXX Payment Details Payment status Collection/Chargeoff Remarks Dispute resolved ; customer disagrees

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: EQUIFAX, INC.
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 information incorrect

Complaint:
On XX/XX/2022 and XX/XX/2022 I alerted Equifax to incorrect information being published to my credit report regarding 3 accounts appearing with a balance when the balance should be XXXX. I asked for the information to be properly validated, pursuant to the XXXX, and that the information be correctly updated. Equifax has failed to validate the information it has published to my report, they have not sent me any information regarding their method of validation, and the incorrect information is still appearing on my report. It is having an adverse effect on my life, my credit, and my ability to meet my basic needs. 

On XX/XX/2022, Equifax gave a very general, non-specific, non-response to my complaint. I have provided specifics to Equifax on several occasions - there is no reason why my claims could not have been investigated and handled pursuant to my original CFPB complaint regarding this issue ( XXXX ). 

I am creating this second complaint and including more details here for the convenience of Equifax. All details regarding the incorrect accounts in need of correction, fraud affidavit, and other identifying information are included with the attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am victim of identity theft and fraud. I have notified alleged creditors on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX that the items on my credit report does not belong to me, and they have not validated any debts from alleged creditors with competent evidence of a valid contract according to the FCRA section 609 and best evidence rule that requires primary evidence meaning original version and other consumer laws i.e. title 15 U.S. Codes section 1681 and 1692. I have not in any way received goods, credits, money, loans, services, or any transactions. The alleged creditors have not provided proof of claim and my social security number has been used unauthorized, and without consent and written or verbal permission. I have not authorized any of these creditors listed to have access to my credit report, and/or score. My social security number information was breach and alleged creditors have used my social security number and are in violation of the privacy act of 1974 etc. unless they can prove a written contract exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: U.S. BANCORP
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:
This account is not mine. I never prove her concert for this account to be open.

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 2022-08-01
Company: EQUIFAX, 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 have attached a highlighted image of a XXXX XXXX account that is reporting inaccuracies to all three of my credit bureaus. Almost everything is different on all three bureaus. Everything reported in my name to the credit bureaus should be 100 % accurate and it is not and needs to be deleted ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 XXXX  account Bank of america Credit card, has violated my rights. 15 USC1681 Section 602 states i have the right to privacy.

15 USC 1681 SECTION 604 A SECTION 2 : Also states a consumer reporting agency can not furnish a account without my wrrriten Instructions.

15 USC 1666B : A credtior may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-08-23
Company: Radius Global Solutions LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom It May Concern, Several months ago I viewed my credit reports and noticed a collection from Radius Global Solution for a XXXX XXXX debt. Although I returned the equipment to XXXX XXXX at their request, they did not update my account to a {$0.00} balance and a collection hit my reports. I called Radius Global Solution and the agent advised me that it would be better to just pay the debt and the collection would be removed from my reports. So, that is what I did. Rather than continue to dispute it, I took their advice and paid it. But, to date, the collection has only been updated to a {$0.00} balance and has NOT been removed.

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 2022-08-01
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 have attached a highlighted image of a XXXX XXXX account that is reporting inaccuracies to all three of my credit bureaus. Almost everything is different on all three bureaus. Everything reported in my name to the credit bureaus should be 100 % accurate and it is not and needs to be deleted ASAP.

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 2022-12-12
Company: Synovus Bank
State: VT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
There has never been a missed payment on this card, but on 3 separate occasions First progress has dinged my credit for 30 day lates. Now I can not use my card even though there is available balance, and a recent payment. When I called the company they said its because of a missed payment, but even there online service shows the made payment and the customer service agent can't figure out why my card was being declined. My understanding is this is not a legitimate or legal procedure I asked to close the account and they stated it would take 14 weeks to do that, they will not let me talk to anyone else at the company, nor transfer me to a legal department.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: CORELOGIC 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:
This company has not provided credit report, yet sent correspondence requesting which items on the report are being disputed. This entity has been asked to remove all items on the credit report which have not been verified with contract signature, appropriate identification and/or social security card. This agency has been asked to remove all addresses not reflective of the current address and many alternate reporting agencies have inaccuracies related to addresses. This entity has allowed unauthorized inquiries on my report and unsoliciated credit and insurance offers.

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 2022-09-29
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:
I submitted a letter to the 3 Credit Bureaus to update this erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-23
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 status incorrect

Complaint:
CFPB + Experian + XXXX XXXX XXXX, Attached to this complaint are : drivers license social security card address complaint letter stating this collection has not been validated to be mine screen shots of where it shows on Experian Please look into this new complaint as soon as possible

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 2020-04-17
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto Loan Auto Loan Bureau Code : Joint Joint Joint  Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$7100.00} {$7100.00} {$7100.00} No. of Months ( terms ) : 73 73 73 High Credit : {$26000.00} {$26000.00} {$8700.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$7100.00} {$7100.00} {$7100.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Dispute resolved ; reported by grantor Account was in dispute - now resolved - reported by subscriber. Merchandise was taken back by credit grantor ; there may be a balance due. Unpaid balance reported as a loss by the credit grantor. 
Charged off account Auto Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/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 2022-08-23
Company: Lendmark Financial Services
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Received a loan you didn't apply for

Complaint:
XXXX and have XXXX XXXX XXXX and was forced to stay 2 hours away from home at the Lendmark office to sign the original merger of loans. I did not agree with it and attempted to leave and was followed and harassed and intimidated into coming back into the office after smoking a cigarette ( the loan officer never left me alone while I was outside ) and than upon being forced back inside I was bribed with " lendmark shwag '' ie, cups, pens, referral bonus cards, etc. by XXXX XXXX whom than continued to harass me about my identity and make remarks about me being XXXX. After leaving I had to seek additional XXXX and had an XXXX XXXX XXXX XXXX XXXX and I have lost all confidence in Lendmark being an honest lender. The other issue with the $ XXXX {$1100.00} cash funds were supposed to go towards a down payment on a new/new to me vehicle while trading the XXXX that was merged into the loan, however I was misled and once i recieved the funds I was repeatedly denied credit to get to the goal of the merging of loans. 
I refinanced again after the incident, because XXXX had informed me that a resolution would happen, but than a month went by and I made the first payment or two and refinanced to buy time for Lendmark and myself to comeup with whatever resolution XXXX was referring to. And to this day now I still have no resolution, I am denied credit everywhere ( due to this loan I was forced into signing and refinancing to buy time ). Also, as per the value of the vehicle, the vehicle was CLEARLY understood that it was in " ROUGH '' condition, however Lendmark failed to capture photos during the original loan merger and they only took a photo from more than 3 feet away ( which in auto industry is known as a method to hide dents/scratches/paint fade, etc. ), they also failed to look at the interior of the vehicle and never asked about mechanical ( there reason for not checking mechanical I was told by the loan officer was " as long as it drive to the office to be visibly sighted, it can be financed ''. While the actual XXXX XXXX XXXX value is {$1900.00} as of today XX/XX/XXXX and {$2900.00} at the time of the 1st refinance, and somewhere in between during the 2nd refinance that was done " to buy time to find a resolution '' So far the only offer from the Lendmark office is to pay {$2700.00} via the 10-day payoff letter the emailed and mailed on or around XX/XX/XXXX. 
This loan causes nothing but harm to myself and the issues meet many UDAAP violations on top of Virginia laws and statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 this creditor has violated my right under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit on a credit account under an open end consumer credit plan as late for any purpose.

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 2022-08-23
Company: Credit Corp 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 status incorrect

Complaint:
CFPB + XXXX + Credit Corp Solutions, Attached to this complaint are : drivers license social security card address complaint letter stating this collection has not been validated to be mine screen shots of where it shows on XXXX Please look into this new complaint as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: General Motors Financial Company, Inc.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
1. On XX/XX/2022, I granted, conveyed, transferred, pay, assign, deliver, my security interest my rights upon the debt instrument ( payoff quote ) in the form of a promissory note as cash payment dollar for dollar for full settlement and discharge of the total obligation due as a pre-payment. via Negotiable Instrument transaction. 
2. GM FINANCIAL after keeping all full payments I presented to them for discharge had hired XXXX XXXX XXXX to take my private personal property my vehicle while I was currently inside the automobile ( XXXX XXXX XXXX XXXX # XXXX on XX/XX/2022. I received a letter by GM FINANCIAL on XX/XX/202, of the sell of my property that was stolen from me.

Company response to consumer: Closed with explanation