BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-11
Company: Experian Information Solutions Inc.
State: GA
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 Account # XXXX U S DEPT OF EDXXXX Account XXXX XXXX U S DEPT OF EDXXXX Account # XXXX XXXX XXXX  XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  XXXX XXXX Account # XXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX US DEPARTMENT OF EDU Account # XXXX US DEPARTMENT OF EDU Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2019-07-27
Company: LOBEL FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Ive paid roughly {$4000.00} of car notes on my {$10000.00} XXXX loan. My payoff amount is still over {$10000.00}. Ive read similar complaints of this company falsely reporting and stealing money from consumers. They need to be investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
The estimated month and year that this account will be removed is different on my credit reports. The open date of the account is incorrect. The last payment date was after the closed date which is incorrect because no payment was made after the account was closed. And my credit report is showing on time payments after the closed date, which is obviously incorrect. I asked the credit bureaus to remove the inaccurate information, however they have failed to do so.

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 2022-06-11
Company: MoneyLion Inc.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX Money Lion INC Money Lion INC XXXX XXXX XXXX XXXX, UT XXXX XXXX Dear Money Lion INC, Thank you for taking a couple of minutes out of your busy day to read this letter. Ive enjoyed my relationship with Money Lion since XXXX. Im writing because I noticed your company reported a charge off on my credit report. I am requesting a goodwill adjustment to remove this charge off from my XXXX, XXXX and XXXX credit reports. 

Upon Review of my records, I realize that I did was negligent with this account. Unfortunately, I was in several mental health hospitals and I was not in the right frame of mind. I take full responsibility for the mistake and have made sure it wont happen again. May you please make the goodwill adjustment requested. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX, XXXX and Experian are not responding to any of my requests to investigate, verify and remove fraudulent/unauthorized inquiries from my credit report/file.

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 2017-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Transunion is reporting a Credit Collections account on my credit report that is not mine. I have never done business with this company and I have never been sent any bills, notices or paperwork telling me that this is my debt. The account number on my credit is " XXXX '' and the amount on my report is {$240.00}. I need Transunion to delete this account because it does not belong to me. I have a common name and this is not the only time Transunion has reported someone else 's information on my report. I have disputed this with Transunion on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. To this date, nothing has been done to properly process my dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
n accordance with the fair credit reporting act XXXX Account # XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A.states i have the rights 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 2022-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-10-18
Company: ID Analytics, 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: Personal information incorrect

Complaint:
Received personal credit report produced by XXXX  with the XXXX logo on the report that was sent to me. The following phone numbers and addresses were never associated with me and should be removed from the report. They are as follows : XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXXXXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX The following phone numbers were never associated with me : 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 explanation
Consumer complaint received 2021-07-24
Company: Alliance Collection Agencies, Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To whom it may concern, The company Alliance Collect has attempted to collect a debt from me. This company has sent me documents trying to validate the debt and didnt send me my Hipaa release form, instead sent me a detailed description of what happened at the visit. This company should not have access to my PHI without my authorization. 

I spoke to a gentleman named XXXX before sending them a validation letter. I was confused about our conversation and only took away owing {$480.00}. On XX/XX/2021, XXXX  flagged my account giving this debt a new open date and late payment. Im more this frustrated with this company Alliance collect because I sent them a violation of my Hipaa rights letter demanding them to seize any action to collect this debt and to not report to the credit bureaus. They took it upon themselves to report this debt and not respond to my letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
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: Credit inquiries on your report that you don't recognize

Complaint:
I noticed some unusually high number credit inquiries on my credit profile on XX/XX/XXXX. I called all 3 credit bureaus ( XXXX, Transunion, and XXXX ) to ask for them to be removed from my profile because I did n't apply for credit or loans. I also wanted to add an extended fraud alert. I was given the option to add the fraud alert but any unknown inquiries that I wanted to have removed would have to be done by the lenders directly. This was extremely frustrating to me since I had no clue of where these came from. I then contacted the lenders onXX/XX/XXXX and have noticed no change and contacted the bureaus ( XXXX, Transunion, and XXXX ) again on XX/XX/XXXX but to no avail. Also, there are more inquiries as of XX/XX/XXXX on my profile. I will put the extended fraud alert on my account 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 explanation
Consumer complaint received 2017-10-18
Company: TENET HEALTHCARE CORPORATION
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/X/2017, XXXX XXXX XXXX responded to my HIPAA debt validation letter without proof that I was initially notified that the debt would be reported to all three credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: Upstart Holdings, 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: Information belongs to someone else

Complaint:
So on XX/XX/XXXX I submitted to Upstart my identity theft report police report and sent them a valid copy of my ID. On XX/XX/2022, they sent me an email saying they completed their investigation on Loan ID : XXXX which is not the loan I asked them to investigate or file a report on. The results said that it was a valid debt which I am well aware of as that is my actual account with them. The account they were supposed to investigate was Loan ID : XXXX, they sent a follow-up email the next day saying they did investigate but that's not what was said or sent to me. I would also like to state that during a fraud investigation the account is supposed to not be reported on my consumer report during the investigation but it continued to do so. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: CITIBANK, N.A.
State: NJ
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:
I discovered a hard credit inquiry on my XXXX  credit report on XX/XX/2020 during a routine check with my credit consultant. On XX/XX/XXXX there was a request for my personal credit profile. I then called the headquarters of CBNA to speak to a agent to discuss the matter, it was stated to me that there was no information to provide me with that proves a application request for credit.

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 2022-06-11
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I paid off the loan in XX/XX/2022 the company has not updated this on my credit since and has continually reported that I am currently late with an outstanding balance of {$33.00} I confirmed with the company that my balance is XXXX this still did not update on my credit, at one point different information was reported to different credit bureaus. I disputed the account information as incorrect through Equifax and XXXX. XXXX response was that the information is correct. I confirmed after reviewing this response from XXXX that my balance was XXXX and XXXX once again confirmed this with me despite telling the credit bureaus during the dispute that I still had an outstanding balance and was late. They are clearly willfully providing false information during disputes or simply refusing to investigate disputes at all. I have included the chat transcript where an agent confirms I owe XXXX the disputes results which show XXXX provided false information to the bureaus and screenshots of my account showing no outstanding payments or orders and a balance of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27
Company: ENCORE CAPITAL GROUP INC.
State: ID
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I repeatedly asked them to stop calling me between XXXX as I am at work. They called multiple times a week during my work hours. When I repeatedly said I can not talk during work, they said that would result in being turned over to an attorney for legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-17
Company: EQUIFAX, INC.
State: IL
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 dispute was never with the charges on the bill. My dispute was with the validation of the charges being sold to the company XXXX and their right to collect. I have a {$0.00} balance with XXXX and this account is listed as A tax write off account with XXXX. What I asked for was the proper documentation and bill of sale of this debt to XXXX and their right to collect and also the write off documentation. I have received neither. No proof that the company legitimately sold this debt and no proof that XXXX has a legal right to collect. I also do not owe XXXX and have a {$0.00} balance letter from them stating that this account is in fact fully paid off which is why I wanted the removal of the account from my credit report and late payments removed. I did not ask for any payment arrangements because I am not in need of any, also I did n't ask for any changes to the account. I asked for the requested documents and it to be removed from me credit report in the certain requested documents were not provided. I believe all you sent me was the bill. I also asked for my signed contractual agreement with XXXX. I was not sent that either. I want to be sent MY ORIGINAL signed agreement tying me with XXXX along with the bill of sale for the account from XXXX to XXXX. If this account was n't sold properly then it would also be illegal collection on both parties and an improper write off.

It is within my rights under the FCRA to request the said  documents from above and also an obligation to provide that documentation if requestion. Final bills do not substitute as a bill of sale when requesting validation and/or verification. 

If I do not receive these documents, nor have this removed from my credit report Proper litigation will follow for not following the corporate write off procedures in place, along with billing me for an account without the proper contractual agreement and documented. 

Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Summary of your complaint Complaint number : XXXX Date submitted to CFPB : XX/XX/2017 Date sent to company : XX/XX/2017 Product : Debt collection Issue : Took or threatened to take negative or legal action The delay in resolving this matter is costing me money {$550.00} to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: Experian Information Solutions Inc.
State: GA
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 Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CIS 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 explanation
Consumer complaint received 2017-10-17
Company: Credit Technologies, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
this was not a conseted credit inquiry. 


XXXX XXXX XXXX from XXXX XXXX, XXXX - XXXX. 
This inquiry could stay on your report untilNov XXXX. 
See an error? 

Find out how to dispute a hard inquiry XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have called the company on and spoke with representatives there XXXX times about this issue about my balance. I have been to the balance will update by the middle of the month. This has not happened and the old balance is still reflected and now their is a new balance required that I do not intend to pay before contacting legal counsel. This company appears to disregarding my last payment XXXX entirely. The showing balance of XXXX was my last statement balance and I have the records to prove this. Notwithstanding I stay updated on my account with this company at all times. I have had trouble with this company and I have another complaint for which is being addressed also. Nevertheless, my balance is improper and is XXXX plus accrued interest but not XXXX. Essentially I am paying principal now. I believe this is part of a harassment attempt by this company as your records ( at cfpb ) shows past complaint ( s ) against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
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: Information belongs to someone else

Complaint:
Back in XXXX, I came to discover that my identity was stole and used to open several accounts under my name and SSN. That is when I checked my credit report and found that a XXXX 's XXXX account was opened using my name/SSN, on XX/XX/XXXX. I have since disputed this account to be take off several times with XXXX, Equifax XXXX XXXX. I even sent a letter ( XXXX ), along with the police report, identity theft report and my driver 's license as proof of my identity. The reponse I received via XXXX was that the account is mine therefore it will not be removed. This reporting is severely messing up my credit. The other accounts that my name/SSN were used to open, those companies responded right away ( XXXX XXXX XXXX XXXX XXXX XXXX and promptly removed those accounts from my report. XXXX 's refuses to take notice of the evidence I provided and remove these fraudulent charges off my report.

Company response to consumer: Closed with explanation