BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-09
Company: Asset Management Outsourcing, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a letter disputing this to the nation wide recovery I did not get a response it was like I did not send them anything however I did and I faxed a letter also nothing I submitted a dispute with the Credit agencies and they said that nationwide recovery gets anther 30days I read the law it says they gat 15days I am sick and tired of being abused by this system the so called creditor and the Overly powerful credit agencies do as they please. I am requesting that Nation wide recovery PROVIDE WRITEN PROOF of debt WRITTEN PROOF of the right to collect it their surety bond number. IF they don not provide written proof the credit agencies will take it as you do n't have this information and remove it from my credit THE LAW DOES NOT ALLOW FOR I SAID YOU OWE IT SO YOU MUST PAY IT if it did I could simply say nationwide recovery owes me a XXXX XXXX and put it on your XXXX XXXX XXXX and your XXXX and XXXX Credit report XXXX that does not seem like a bad idea given that is exactly what you did to me there is fines involved for breaking the law and I added it up we are working on a little over {$4000.00} dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: EQUIFAX, INC.
State: CT
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 each bureau by certified mail and they have not corrected the unverified accounts. Here there are : XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 have tried to dispute some of my student loan accounts with TransUnion several times and they have refused to take action. I 've contacted the  Creditor several times and they have confirmed verbally and in writing that my accounts are not delinquent. The Creditor has also contacted TransUnion to inform them th at their information is inaccurate. This has been done electronically, by phone, and in writing and still TransUnion has failed to act.

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 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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 noticed two hard inquiries that do not belong to me. I contacted all three credit bureaus and put an investigation, which resolved nothing. 

The hard inquiries in question are : XXXX XXXXXXXX XXXX XXXX I also tried to get it removed by contacting the actual companies who did this inquiries and was told to dispute it with my credit reporting bureaus.

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 2021-05-17
Company: OneMain Finance Corporation
State: NY
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 was approved for loan online when I called they denied my request mean while my credit took a hard hit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I feel that discover card does not want me to pay my total balance off now that I can afford to do so . Two months in a row (    XX/XX/XXXX  and  XX/XX/XXXX  ) th ey did not draft the statement balance. They also did not notify me at all. Because I am fixing my financial situation, I am watching everything closely. That said, I caught it both times and called them my self to fix. After confirming with  Discover that my checking account number and my routing number we 're correct more than once, they now tell me there was fraud reported- in  XXXX . The y continue to jerk me around when all I want to do is pay them off. Please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In my last communication with TRANSUNION, they responded that they verified that the accounts that I disputed were accurate. I would like to know what method of investigation was used to verify these accounts and inquiries. 

According to 15 USC 1681b any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Was a court order issued or was my written permission given? This is defamation of character and aggravated identity theft. I have attached dispute letters with the accounts, inquiries and late payments that I want removed and updated along with an affidavit of truth. My next step will be a civil suit.

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 2022-08-04
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:
In accordance with the Fair Credit Reporting act 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 2022-09-14
Company: EQUIFAX, INC.
State: MS
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 XXXX XXXX XXXX XXXX # XXXX I disputed the referenced accounts above XX/XX/2022 and on XX/XX/2022. The credit report of XX/XX/2022 shows these items were deleted from my credit file. Now these items have been reinserted on my credit report. 
In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material. 
*Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
*If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 
( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 
I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: EQUIFAX, INC.
State: MA
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:
Monday, XX/XX/2021 RE : INCOMPLETE, MISLEADING & UNVERIFIABLE FOR XXXX XXXX # XXXX DEAR XXXX XXXX XXXXXXXX XXXX ; I was going through my motorcycle XXXX XXXX XXXX and noticed that there are multiple inaccuracies on the way this account is reporting. I been trying to get to the bottom of this for the last 3-5 months, but it continues to report wrong, incomplete, misleading, inaccurate information. How come each credit bureaus are reporting 3 different dates that I was late ; for example one is saying that I was late one month but the others saying that I was OK how? This is erroneousness and inaccurate, and incomplete data.

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

Complaint:
I did an   XXXX   credit report review and I found an unauthorized credit inquiry  ( h ard inquiry ) from ccb/ppc on  XXXX   XXXX ,  2017 .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: EQUIFAX, 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:
XX/XX/2022 i wrote letters to the credit bureaus and they are giving me a hard time with removing incorrect information & unauthorized accounts and inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

Congress states 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


I have issued the laws and attached all needed documents to the Consumer Reporting agencies and they have resolved the issue with my identity theft that results in accounts being opened in my name. 

it is stopping from providing, for my family and it's not allowing me to properly shelter a home i want these accounts Deleted.

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 2017-06-23
Company: ORG GC GP Buyer, LLC
State: CO
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:
In XXXX XXXX, XXXX took out $ XXXX unauthorized out of my account. I have been attempting to rectify this and obtain a refund since and have been unable to recover my funds. In this time, XXXX has sent my account for collections and negatively affected my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-14
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: Credit inquiries on your report that you don't recognize

Complaint:
I went to the car dealership and I told them only run my credit with one bank and they ran it with so many different banks. I want these removed this was not approved by me and I told them multiple times dont run my credit with multiple banks. Here are all the unapproved companies they ran my credit with : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
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: Credit inquiries on your report that you don't recognize

Complaint:
I went to the car dealership and I told them only run my credit with one bank and they ran it with so many different banks. I want these removed this was not approved by me and I told them multiple times dont run my credit with multiple banks. Here are all the unapproved companies they ran my credit with : 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 2017-06-09
Company: National Credit Systems,Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have sent repeated disputes and request to verify information. They fail to do so. I sent another request on   XX/XX/XXXX  and  XX/XX/XXXX  and  have yet to hear anything This is a predatory collection agency who updates my credit report monthly with derogatory information. I never entered into any contract or agreement with this business. I never received any notification of any form of this alleged debt before it was attached to my credit reports. This has caused me severe financial hardship and has made it extremely difficult for me to obtain credit. There are several complaints of this company online with similar situations. I truly believe they have violated the FDCPA numerous times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: STERLING JEWELERS, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX   XXXX   is harassing me about a debt that I do not owe. I am a victim of ID Theft

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: TRANSWORLD SYSTEMS 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, has violated my rights. 

15 USC 1681 section 602 states i have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I never filed these bankruptcys please have them send or show proof that this is mine which is not but a mistaken identity. My name I think was used a mistaken identity my name is XXXX XXXX XXXX which is on my certificate of birth. 

Not ( XXXX ) Please have them remove this incorrect information that is causing me financial problems. There is already a inflation and this is not helping.

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 2021-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2021 I sent Transunion, XXXX and XXXX  a letter asking for them to verify the method of verification they used for my bankruptcy. They responded with a copy of my credit report and XXXX never responded to the the method of verification letter that I sent to them at all. I also sent letters to the companies to the third party agencies that held my bankruptcy info to find out what method they used to verify and also received little to no responses from them. Two of them just sent back verified and I should contact Transunion, but still not providing the method used to verify the information. XXXX never responded so I called them XX/XX/2021 and they stated they can not send out a method of verification by mail. They get the bankruptcy info from the courts and from the consumers. I told them consumers don't send in bankruptcy information and neither does the courthouse and they proceeded to tell me I should contact the courthouse, which I had already done so and they sent me back information stating they do not verify any information with the credit bureaus. 

The credit bureau sent back my credit report instead of methods of verification information that I originally had requested. If they could not reveal to me how they verified this item then it needs to be deleted according to FCRA. They once again refused to delete the item which is imploding on my ability to purchase a home and causing me to pay thousands more in interest every year This item needs to be deleted from my credit report if it can not be verified within 30 days.

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 2021-05-17
Company: CL Holdings LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Jefferson capital is from a XXXX bill that my daughter put in my name without permission. I told them this i sent the phone back in 14 days there is no way i have a bill

Company response to consumer: Closed with explanation