BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Ive sent letters off and receipt confirmation on XX/XX/2022 From Transunion. Here is my United State Postal article # XXXX and received confirmation, confirming that Transunion did receive copy of my Driver 's license, utility bill, valid documents that shows your name, current address and letter requesting that according to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA The Credit Bureaus never did a proper investigation according to the FCRA The term investigative consumer report means a consumer report or portion thereof in which information on the consumers character, general reputation, person characteristics, or mode of living is obtained through person interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information They did NOT do this!! 
Also, they have violated my rights even more In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report The Credit Bureau stated my account was properly investigated but how is that possible of the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. These are grounds for removal. 
They also violated the law because to 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 an account without my written instructions AND I did not give anyone 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 2022-09-28
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Experian Information Solutions 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:
XXXX XXXX  Credit Card closed one of my credit cards that I havent been using in the last XXXX years which affected my credit score. I have over 14 years of credit history, NEVER late on any payments, no NSFs.Maintained perfect XXXX cs for 14 year. Now all of a sudden it drops to fair. Due to the fact that the bank decided to close my Credit card due to an inactivity and my XXXX XXXX dropped by XXXX points due to that. XXXX points because XXXX bank auto-closed my account ( not me ). 
Please help to restore my excellent XXXX XXXX XXXX as this is unfair. Thank you!

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 2022-09-28
Company: HYUNDAI CAPITAL AMERICA
State: VA
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 had a newly leased vehicle with HCA Exchange ( KIA/Hyundai Motor Finance ) . The vehicle was totaled. My insurance company XXXX XXXX ) attained the pay off for the vehicle which was {$20000.00}. This was exactly what I owed and matched my pay off on the KIA finance website under my account. XXXX sent them a check on XX/XX/XXXX. Subsequently, I received a bill for an additional {$3300.00}. The HCA Exchange company stated the vehicle was valued at {$23000.00}. They have asked for me to pay the difference. My insurance company contacted them and got the payoff for the car. I don't believe I should have to pay for what they VALUED the vehicle to be, I paid what I borrowed and ultimately owed after making the monthly payments for a few months. They have put it on my credit report as past due on XXXX, XXXX and XXXX. I have a letter from my insurance agency to HCA, it reads " Contact was made with HCA Exchange INC on XX/XX/XXXX, requesting the payoff amount for XXXX XXXX leased XXXX XXXX XXXX. During this contact, a Lease Payoff of {$20000.00} was quoted. The telephone representative advised once the lease payoff was received the lease would be closed and title issued too XXXX  '' I have notified the credit agencies.

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 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
XXXX XXXX fail to provide FORM 1099-C for a Charge-off// The lender must file form1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union, federal government agency, or other applicable entity as discussed earlier in chapter XXXX. 

The above paragraph is taken directly from the IRS 2021 publication.

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: Experian Information Solutions Inc.
State: NC
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 Actual Statements : The uploaded documents I received from XXXX Shows XXXX is intentionally and maliciously reporting wrong data to the credit bureaus. 

This may because I have ask for validation of this account via original signed contract, origned agreement, or signed application for credit bearing my signature and they have failed to do so after several disputes. 

As I stated, I have requested : proof by means of signed agreement, or signed contract, or signed application for credit showing I applied to this account in a joint status. i could not of signed for joint status my credit was too poor, I was an authorized user on this account and they have reported irregularities on one credit bureau its a individual account and another its joint. They do not have supporting documents required by law abd that is a second reason to remove this account! This account is over 8years old! 

I demand this malicious creditor and/or the credit bureaus remove this from my account immediately! This is damaging me And have been for years until recently noticed! 

Attached you will see where XXXX has repeatedly reported innaccurate information such as the late months and charge off. The last sheet shows one thing and these show another! Im going to sue you all if you dont remove this account immediately! 

You both are breaking federal law!

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: EQUIFAX, INC.
State: NC
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 Actual Statements : The uploaded documents I received from XXXX Shows XXXX is intentionally and maliciously reporting wrong data to the credit bureaus. 

This may because I have ask for validation of this account via original signed contract, origned agreement, or signed application for credit bearing my signature and they have failed to do so after several disputes. 

As I stated, I have requested : proof by means of signed agreement, or signed contract, or signed application for credit showing I applied to this account in a joint status. i could not of signed for joint status my credit was too poor, I was an authorized user on this account and they have reported irregularities on one credit bureau its a individual account and another its joint. They do not have supporting documents required by law abd that is a second reason to remove this account! This account is over 8years old! 

I demand this malicious creditor and/or the credit bureaus remove this from my account immediately! This is damaging me And have been for years until recently noticed! 

Attached you will see where XXXX has repeatedly reported innaccurate information such as the late months and charge off. The last sheet shows one thing and these show another! Im going to sue you all if you dont remove this account immediately! 

You both are breaking federal law!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have submitted XXXX legitimate disputes over the past year, both have been denied without proper investigation and rationale. 

XXXX ) : The charge for {$860.00} from XXXX car rental on or about XX/XX/2022 This rental was for a XXXX passenger SUV during busy Spring Break. We received a XXXX passenger SUV. We required rental of another vehicle to accommodate our party. XXXX would not settle this matter to my satisfaction. All documents were submitted to Synchrony Bank showing the additional rental, contract for a XXXX passenger SUV and pictures proving a XXXX-passenger vehicle was provided. This claim was denied by providing non material paperwork from the merchant. 

XXXX ) : Charge for {$68.00} from XXXX  XXXX XXXX AZ. This was for an outdoor bench that was never delivered. I contacted the merchant for a tracking number and delivery date and no response was ever received. XXXX searches show this site is likely a scam, see the link below. 
XXXX XXXX XXXX Unbelievably, this claim was also denied and I have yet to receive paperwork indicating why. I called the dispute department and spoke with a supervisor named XXXX. She told me that the merchant provided a shipping label to prove shipment and the item doesnt have to be delivered. I asked for a tracking number, she stated the merchant could not provide XXXX and that I have to prove I didnt get the item. Not sure how to prove something DIDNT happen. This makes XXXX sense and when I tried reasoning with her, she hung up on me.

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 monetary relief
Consumer complaint received 2022-12-12
Company: Experian Information Solutions 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:
I am writing due to the Non-compliance of Experian and XXXX credit Bureaus. 

They failed to remove information affiliated with personal information hat were previously challenged and deleted. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold to the law

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: Nationwide Recovery Systems, Ltd
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Nationwide Recovery System is inaccurately Reporting medical bill information on my credit reports my medical information has illigally been shared with this third party debt collectors I never gave any consent for my health information to be shared with a third party debt collection agency and when received care all my documents I signed stated that my information in no way will be share with a third party this is a Violation of the Fair Credit Reporting Act and also a Violation of HIPPA. the medical bill that is being reported on XXXX reports was paid my medicare insurance and also I had no agreement no signed contract or nor I received any service from a Nationwide Recovery System this company is operating illegally and this account is involved in litigation for negligence and a lawsuit for punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: M&T BANK CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an account with M & T bank. The account has been active and in good standing. M & T has placed a freeze/hold on my account claiming they need to validate my identity by visiting a branch. They don't have any branches near me and refuse to resolve the matter any other way. 

At this point they do not allow me access to my funds and refuse to close the account. They're blocking any transactions to my account as well. The account was originally opened online and they never requested me to visit a branch during the account opening process.

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 2022-06-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance With The Fair Credit Reporting Act XXXX  Account # XXXX 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 2022-12-12
Company: MONEY SOURCE, INC., THE
State: OR
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a VA loan and I was given a loan modification verbally over the phone. I never received the paperwork that I was supposed to sign in the mail. Again, I was only verbally advised. By the time I did receive the paperwork to sign and send back it was too late to make the payment. Every time I called in it was a different person providing me different information. This was very confusing to me every single time I spoke to a person it would be a different story. XXXX was very well aware I did not receive my modification paperwork. At this point I retired military as well as XXXX XXXX Ive been in the military for over XXXX years and the way my VA loan was handled is unacceptable. Im going to lose my property due to the fact that the money source did not properly handle my file. 
I want nothing more than to be given a fair chance at making my payment. The amount if times I spoke to the Money Source should be documented and should extinguish any attempted excuses from them. 
I did not fight for my country, risk my life, in order to lose my home because the Money Source hired incompetent employees who neglected my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: NAVY FEDERAL CREDIT UNION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Navy Federal Credit Union violated my rights Per the Fair Credit Reporting Act, Section 609 ( a ) ( XXXX ) ( a ), it is mandatory by federal law to verify through physical verification of the original documents, contracts, arrangement, obligation, pledge or promises written or, sign by the consumer all accounts you post on a credit report. Otherwise, any and everyone paying for your reporting services, business or work that could fax, mail or e-Per the Fair Credit Reporting Act, Section 609 ( a ) ( XXXX ) ( a ), it is mandatory by federal law to verify through physical verification of the original documents, contracts, arrangement, obligation, pledge or promises written or, sign by the consumer all accounts you post on a credit report. Otherwise, any and everyone paying for your reporting services, business or work that could fax, mail or e-mail in a fraudulent or deceitful account or report. 

I demand to see verifiable and valid proof of documents an original, authentic, genuine Consumer contract, evidence, obligation, pledge, promise, record with my Signature on it you have on file, record of the accounts listed below. Your failure or, nonperformance to verify or, authenticate these accounts has damaged my ability to obtain or, secure credit. Under the FCRA, unverified, or unproven accounts must be removed, expunged and if you are unable to provide me a copy of verifiable, valid proof, you must remove, the accounts listed below. I demand the accounts be verified, documented, and substantiated or removed, expunged immediately. 

RE : Navy Federal Credit Union XXXX XXXX Credit Card XXXX - Acct : # XXXX. Amount {$8900.00} In Pursuant to Title 15, Section 1666 of United States Code. This debt must be validated. Per FTC, CFPB, FCRA, and the Attorney General mail in a fraudulent or deceitful account or report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Experian Information Solutions 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:
I a a Victim of Identity Theft. I was notified that my info was breached in the XXXX XXXX and XXXX XXXX XXXX. I was given an settlement claim number along free credit reports for 7 years. I have sent letters, called and disputed online the erroneous accounts but have been unable to receive anyhelp or received free reports for the system is always down. 
In accordance with FRCA evrything must be accurate. 
My rights have been violated under U.S.C 1681 ( a ) ( B ) ( G ) ( i ). 
How can these been accurate if my SSN is not even on my report, along with 10 different names, 9 diffrent employers and 4 diffrent dates of open, XXXX  XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX XXXXXXXX {$3400.00} I am requesting these accounts to be deleted for they are not mine!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-29
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

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

US BANK XX/XX/2019

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