BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XX/XX/2020 Send a letter directly to the creditor send a letter directly to the creditor XX/XX/2020 Sent a letter to the credit bureaus I also sent a demand to comply letter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: EQUIFAX, INC.
State: OK
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:
I AM XXXX AND HAVE DIFFICULTY NAVIGATING WEBSITES AND COMMUNICATING VERBALLY OVER THE TELEPHONE. THIS DEBT WAS INCURRED WHEN I WAS IN AN XXXX XXXX AND ESCAPED. I DID NOT REALIZE HE HAD NOT PAID THE BILLS THAT WERE IN MY NAME. AFTER I LEFT, I CONTRACTED XXXX AND LOST MY JOB. AS SOON AS I WAS ABLE TO WORK AGAIN, I IMMEDIATELY PAID MY PAST DUE AMOUNT IN FULL TO XXXX XXXX XXXX, ONCE I LEARNED IT WAS UNPAID. I CAN FURNISH THE REDEEMED CHECK FOR THE FULL AMOUNT DUE. WHEN I CONTACTED XXXX XXXX XXXX, THEY TOLD ME THE RECORD WOULD BE DELETED ENTIRELY ONCE I PAID MY BALANCE IN FULL, WHICH I DID. NOW, EVEN THOUGH I HAVE PAID THE BALANCE IN FULL, THEY REFUSE TO MARK TO DELETE IT AS PROMISED, AND EVEN REFUSE TO MARK THE ACCOUNT AS PAID, KEEPING IT OPEN FAR BEYOND REPAYMENT. THEY LIED ABOUT DELETING AND THEY ARE LYING ABOUT THE PAYMENT STATUS. I APPEALED TO EQUIFAX AND WAS DENIED. I DEMAND EXPLANATION HOW I CAN HAVE PAID EVERYTHING OFF ENTIRELY AND STILL BE IN UNPAID STATUS. I AM WILLING TO PROVIDE COPIES OF A CURRENT PROTECTIVE ORDER AND MEDICAL RECORDS AFFIRMING MY DIAGNOSES OF XXXX AND XXXX. IF YOU HAVE ANY QUESTIONS OR WOULD LIKE THE MENTIONED DOCUMENTS, YOU MAY MAKE CONTACT BY ANY METHOD YOU WOULD LIKE AND LEAVE A DETAILED MESSAGE, AND MY COUSIN WILL HELP ME RESPOND TO YOU APPROPRIATELY. THANK YOU FOR YOUR TIME AND KINDNESS. I HAVE ALREADY CONTACTED THE COLLECTIONS AGENCY, XXXX XXXX WITHOUT ANY RESPONSE WHATSOEVER. EVERY OTHER UTILITY INVOLVED HAS SO FAR DELETED THEIR RECORD, AND I BEGGED THEM TO DO THE SAME. THANK YOU AGAIN FOR YOUR KINDNESS AND MERCY IN ADVANCE. WHILE I CAN NOT PROVIDE PROOF THEY PROMISED DELETION, I DEMAND THEY PROVIDE A REASON WHY THIS SHOULD STILL BE LISTED AS UNPAID WITH A {$0.00} BALANCE. I VIEW THIS AS AN ATTEMPT TO EXPLOIT MY XXXX AND I WOULD LIKE TO KNOW HOW I CAN ATTAIN JUSTICE FOR THIS. WHEN I TALKED TO THEM ON THE PHONE THEY SAID THEY RECORDED IT, SO THEY SHOULD BE ABLE TO PRODUCE THE RECORDING AND PROVE THEY DIDN'T PROMISE TO DELETE THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have sent  XXXX  several certified letters concerning the false, bogus info they are sending to  the   XXXX    credit bure aus. They 're re-aging this account to keep this negative info on my credit file longer which is hurting me mentally, physically and financially.  XXXX  has violated laws under FCRP/FDCPA. If this account is not remove ASAP I will sue them for defamation and financial injury  (   XXXX  vs.  XXXX   XXXX  ) which carries a fine of $  XXXX  /per vio lation.   I never received any type of paperwork from  XXXX . I spoke to  XXXX   ( Customer Service )  ext.  XXXX  on  XX/XX/XXXX      XXXX   XXXX   he told me the address they had on file was a  XXXX   XXXX , Georgia address and on  XX/XX/XXXX     XXXX  I spoke to a   XXXX   ( Customer Service  ) t old me the same the same thing. I have NEVER lived in Georgia!!! I updated my address with  XXXX .    XXXX  told me the balance was {$12000.00} and the date the contract was sign was  XXXX . After speaking with  XXXX  she told me the balance was {$5900.00} and contract was signed  XXXX  She als o told me my last payment was  XXXX .  XXXX  is reporting false info which against the law. This is the reason they not replying to my certified letters!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: HYUNDAI CAPITAL AMERICA
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
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:
I got a buy out quote around XXXX & paid off my lease XX/XX/22. Kia requested an odometer form which I submitted. A week after they requested a tax form that they would mail. I signed it & submitted it XX/XX/22. I called & they said everything was received around XX/XX/22 & in their system. I called again in XXXX & they said they didn't have the odometer statement, I said I submitted it online, & then they found it. I called early XXXX and they told me their title department is short staffed & I'm one of many waiting for my title. They offered to escalate the situation. I called again in XXXX & they told me the system showed everything was received & it waiting to be reviewed/processed. I was told the same again the next time I called. After this every time I called I asked to speak with a supervisor. They would say they can't find my tax form but in the system it says it was received, being reviewed & their title department is short staffed. Online it states once you send in your buyout quote, complete odometer & tax form it takes 20 business days. By XXXX I was frustrated and seeking answers, no one could give them. I asked about compensation for the delay as my husband died in XXXX, I'm a single mom of XXXX kids and need to sell the car they are holding the title hostage. By XXXX I am only speaking to supervisors which take my number & say they call with an update in a week & never do. Finally XXXX one supervisor asked if I had a copy of the tax form I had submitted & I did. She asked that I email it to them. On XX/XX/22 someone calls saying i put the wrong VIN # on the tax document. I told them I did not fill out the tax document, Kia finance completed & mailed to me, & said a supervisor would call me. No one did so I called & when they issued a corrected form it had the wrong VIN again so they submitted to a department to fix. I have received no call back, no compensation, & no title. All delays and errors have been made by Kia & I've lost thousands of dollars.

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 2022-03-31
Company: Atlanticus Services Corporation
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: Old information reappears or never goes away

Complaint:
XXXX atls aspire shows that XXXX has reported this again after it was removed from other bureaus police report was submitted and its past the 30 days they can not put back this disputed I'd theft iteam

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: Volvo Car Financial Services U.S., LLC
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Volvo car financial services sent my previous loan balance ( which I thought I paid off ) to collections. They were calling the wrong number to contact me. I paid the loan off in full once I was made aware there was a balance. They refused to work with me. It dropped my score by 100 points. They refused to work with me to rectify the situation. I have had four volvos and will never do business with them again. Shameful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: SECURITY FINANCE CORP
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Sunbelt Credit in XXXX XXXX, Texas keeps calling me for a debt owed by a person I do n't know. They keep calling me to see if they can reach him and I have told them repeatedly that I do not know who they are talking about or why they even have my phone number. The calls have been coming for about a year now and each time they tell me they will remove me from the system. I 'm at my wit 's end here. They need to stop. Their phone number : XXXX The last time they called me was today, XXXX XXXX, 2017, at 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 2022-09-11
Company: Experian Information Solutions 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 XXXX XXXX XXXX. 
XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX. XXXX XXXX XXXXXXXX. 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 2021-05-12
Company: CL Holdings LLC
State: MT
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2021 I called Jefferson Capital because they were calling my personal cellphone repeatedly and I did not know who they were at first. When I found out and called them they asked me if my phone number is ( XXXX ) XXXX and I said " no that is my work number and you guys are not allowed to call that number. '' I then gave them my personal cellphone number and told them that is the only number they are allowed to contact me at. Today, XX/XX/2021 they called my work office and spoke with my boss. They told her they are a debt collector and are trying to collect a debt from me and needed to get ahold of me and that the work number was the one they had. This was not true and I told them specifically they were not to call me at work prior to this. I called them back on my personal cellphone after my boss told me this happened and I told them that is not a number for them to call me at as it is my work and I told them before they were not allowed to call it. They said " we will note the account '' but then proceeded to call shortly after I had ended that call with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: DISCOVER BANK
State: CA
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:
Discover Card sent a promo email saying that they would issue a {$45.00} credit for purchasing a XXXX XXXX XXXX membership, and that the credit would be issued within three billing cycles. However, after 4-5 billing cycles, the credit has not been issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-11
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:
I have contacted Transunion on several times telling them that someone has taken my personal information and has been attempting to open accounts for the following companies 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. They keep transferring me and hanging up the phone this is so hard to attempt to get my credit report to show the correct information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I submitted a dispute with Experian, and with all three credit bureaus for inaccurate and unverifiable information with a charge off the is being reported on my credit report. There is a charge showing with Experian in the amount of {$9100.00}, E, and XXXX is reporting {$8800.00}. There are multiple inaccurate with this report. 

1. The balances don't match.

2.The reported dates don't match.

3.The past due dates do not match. 
4.Experian has not provided me with proof of debt. 

I would like this account to be deleted immediately due to being inaccurate, unverifiable, and unduly.

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 2022-09-11
Company: EQUIFAX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Mountain Run Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Mountain run Solution is reporting on my credit report an account that is not mine, saying that this account was being paid from XXXX to XXXX, I contacted them and asked them more than once for an account verification, as well as proof that those payments were made by me, they have never provided me with account verification and they refuse to speak just saying that the account is mine and that I must pay it, I have been disputing this account for over a year, and XXXX only says that the mountain run solution says the account is correct, without asking or verifying if the account is correct, mountain run solution must provide correct account verification to XXXX and the other credit bureaus, and only report false information and the XXXX only accepts what they say, unverified, I have had an excellent payment history in the last 6 years, and Mountain Run 's solution is damaging my credit with false information, XXXX is part of the game of Mountain Run solution, they just believe what collection agency says, XXXX asked me verified the account like not mine, but there is no way i can proof sometime is not mine

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been checking my credit reports and noticed negative accounts being reported. I have written letters via certified mail to the company asking for the company to please verify the account they are reporting is actually mine since I have no knowledge of these accounts. Per Fair Credit Reporting act the company has 30 calendar days from the time the letters are received to verify the account and send me proof. They did not do this. They also must report to the bureaus they are reporting to that the accounts in question have been disputed. They also did not do this. That is a major infringement on my rights and they have broken federal laws. I have time stamped documents of all communication with this company. I have informed these companies of the laws they have broken and asked them to remove the negative accounts they are reporting and they have refused to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: EQUIFAX, 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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
As of XX/XX/2022 without prior notice in writing to me, consumer ; I am not 100 % percent sure if this account belongs to me. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Equifax and XXXX XXXX XXXX are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, account # # # XXXX alleging {$13000.00} is owed, the account must be deleted. I want this account deleted if it not 100 percent right, verified, validated and correct. By law you have 30 days to complete this investigation. Said investigation must have proof of contract, with my wet ink signature to include proof showing a power of attorney that I granted XXXX XXXX XXXX consent to share my personal information to third party debt collectors and XXXX XXXX XXXX. 

Account Name : INDIVIDUAL ACCOUNT Account Number : # # # XXXX Please investigate every piece of information for this account. If it's not accurate, please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
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:
This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining my CREDIT BUREAU consumer report between XX/XX/XXXX through XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). I have not initiated any transaction with these companies : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with these companies for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a onsumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to : XXXX XXXX, XXXX XXXX XXXX, XXXX, NC 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 2020-04-22
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: Information belongs to someone else

Complaint:
I have been a Victim of identity theft. 
I did not give Consent to open any accounts using My personal information. this is fraud I'm upset about the situation.

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