BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i am so furious i checked my credit report and someone opened 3 auto loans and its reporting on my credit report i didnt authourize this please help me to get these accounts removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting act, XXXX accounts is violating my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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. Experian is reporting inaccurate, unverified, unvalidated XXXX accounts! Please see attached letter to add to my complaint.

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 2016-12-29
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Account # XXXX - XXXX Equifax is reporting my XXXX account as 30 days late for XXXX & XXXX of 2016. I have contacted XXXX and they confirmed that the account was NOT 30 days late XXXX & XXXX of 2016. They advised it was the credit bureau reporting it in this manner. This delinquency needs to be removed. Equifax refuses to correct the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Kimball, Tirey & St. John LLP
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:
The credit Bureaus never did a proper ''investigation '' according to the FCRA . 


Th term ''investigation consumer report '' means a consumer report or potion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others 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 bureaus stated my account was properly investigation, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal.

They also violated the law because according 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 a account without my written instructions I did not give nobody written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Experian Information Solutions Inc.
State: LA
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:
The last letters I sent to the Credit Bureaus was XX/XX/XXXX, but no response was ever received from them. Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : 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 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 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 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 2016-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have previously disputed this account with Trans-Union. I have documents to porvce that information reported by XXXX should be removed immediately. 
I have enclosed a letter from XXXX stating this should be removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: The CMI Group, Inc.
State: TX
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 have been disputing this account for some time now with CREDIT MANAGEMENT. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account and they have not responded. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX XXXX  XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I submitted a dispute on my debit card. XXXX XXXX due to a flight they cancelled at the last minute. They refused to refund my debit card. So I filed a dispute with USAA. I called the CS Rep who initiated a temporary credit. I received a Dispute Letter asking for documents. This is what I told USAA : I submitted 4 documents. One was the narrative and the other document proof of my ticket after payment. Flight information and all that. 
This information was submitted on XX/XX/2020 the same date received. I received a email back that the documents were received. Fast forward last night received a letter that my credit will be reversed that they could not read a document. USAA would not give the courtesy of informing me that they could not read a document. They waited two weeks until the time was up for me to resubmit to send this letter out. I called spoke to two reps and a executive person who stated their DISPUTE department do not take calls and there is nothing they can do to rectify. Due to the coronavirus and what is going on in our world to expect USAA to be there for their members is too much to ask. I have stopped all direct deposits and removed my money to XXXX XXXX. This back in absurd and they poor bank practices leave much to be desired. I would like for this complaint to be posted to your website. I can't totally close my accounts with them until my stimulus check hit. But rest assured I will not be doing business with this amoral company ever again. USAA conveniently states they can't read a document or they say they never received a document. They are liars and I know {$270.00} is not a lot of money. Karma is a XXXX and I plan on getting as many people I know to leave USAA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my XXXX id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit 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 explanation
Consumer complaint received 2022-04-16
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The ExperianXXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$7500.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I received my TransUnion dispute results ( File no. XXXX ), and the credit bureau claims it 'verified ' a trade line identified as XXXX # XXXX '. There are a few problems that need to be rectified : 1 ) Method of Verification letter sent to TransUnion - received on XX/XX/2016. 
2 ) Dispute results issued did not address HOW the credit bureau 'investigated ' the items disputed. 
3 ) XXXX account disputed via CFPB Complaint No. XXXX and FACTA request received by XXXX XXXX ( XXXX ) on XX/XX/2016. 
XXXX ) XXXX XXXX ( XXXX ) HAS NOT responded to the FACTA request. Demand was made for the production of the contract for debt I, as consumer, allegedly signed. As XXXX XXXX FAILED TO PRODUCE a contract for debt per the time frame allowed, FCRA mandates deletion of this line item.

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 2016-04-29
Company: CASHCALL, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Last year ( 2015 ) phone calls were constantly terminated to my work phone from XXXX XXXX calling from the Law Offices of XXXX XXXX XXXX XXXX. I contacted the FTC, filed a report on the DO NOT CALL REGISTRY and shortly after the calls stopped. The caller, XXXX XXXX gives no other information and calls from blocked/unavailable phone numbers. Not sure why there is a reason to block the number the call originates from. It 's quite unprofessional and does not lend credence for me to respond to the call. In addition, these same annoying calls have started terminating to my personal cell phone as well. 
I am requesting these calls to stop as NO authorization was ever given by me for the calls to commence in the first place.

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 2016-09-27
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
My husband and I are trying to purchase a home through he VA program. I noticed a collection from a company called AD Astra on my credit report. To my knowledge, I am not familiar with the amount they are saying we owe and what it could be from and when. We watch are mail closely and do not recall receiving anything from this company stating what this is about. We did some research and decided to dispute the account and request validation. We disputed this in XXXX and re-disputed in XXXX. We have yet to receive any correspondence back from them. This is really frustrating and concerning and next year we plan to purchase a home and need to make sure the credit is in top form. I decided to file a complaint as a last resort since sending them a formal validation letter in affidavit format obviously is not working.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: ALLY FINANCIAL INC.
State: TX
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Just yesterday, I had seven calls during the day from Ally Auto. Yes, I understand I owe a payment. You have left me a voicemail message. I will respond to it if I stop getting six other calls throughout the day. They change the phone number they are calling from, but it is the same company. Today, I have had five already. On Sunday, they started calling at XXXX On a Sunday. Call one time per day, leave a message. That is how fair collection is supposed to work. Not harassing someone with more than 15 calls in less than 72 hours.

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 2022-05-05
Company: EQUIFAX, INC.
State: MD
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: NJ
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:
My main problem is Equifax this company is hitting my credit every month with negative reporting for no reason. Im paying my credit cards in full every month on time. I have on loan that is paid on time every month yet I'm constantly getting points taken off my credit score every month. When this started a few months ago my score was XXXX, now its XXXX and dropping every month. I will never be able to obtain any credit at this point, and I don't have a serious credit problem. 

I need a clear explanation why Im constantly getting these negative points every month sometimes more that three times a month while making consistent payments on time. 

Also I have inquired about a XXXX Account a vehicle that I own, paid off early yet they have negative remarks on my credit, not even showing that the vehicle was paid early in full. 

As a minority I will never be able at this point to get an apartment, house, or a new car ever. 

Please assist me in this ongoing problem,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: Conduent Incorporated
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
XX/XX/2020- XX/XX/2020 way2go has taken and charged me multiple times for the same transactions. I have emailed and called and have been on hold for over 3 hours no one will answer. I have read they have done this to other people. everyone has a long wait to talk to them no matter what time you call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
XXXX/XXXX/2016 XXXX XXXX CST A voice message was left for me on a ref contact number asking for location information for me by a XXXX XXXX XXXX XXXX ext XXXX. I returned the call and spoke with her and asked why they were contacting a reference after I asked for a cease and desist. She reviewed the account and could see the request and advised me she needed to have me speak with a supervisor. I ask why would I need to speak with a supervisor, she replied to verify the cease and desist. I did not get the mgrs. name but when he came on the line he asked what he could help me with I asked did the rep not fill him in and he stated he wanted to know from me. I explained that I have requested a cease and desist and wanted to know why they were calling a ref. He stated he did not see that request and I asked how if the rep stated she did? He said he only seen where I asked for no calls and so I asked then why are you calling a reference number? He stated he would place the account in a cease and desist status. The manager was slightly rude and I could tell he was eating which was gross and very unprofessional

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have tried numerous time disputing hard inquiries with Transunion. I did not apply for a job nor was I granted credit with these people and I want them removed. I have sent certified letters to both creditors and Transunion with no response. Some were Return To Sender. If it 's not a real company than how can they pull my report? Transunion refuses to delete them from my 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 2017-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Hello, I disputed an adverse account listed on my TransUnion Credit report. Of the XXXX credit reports only trans Union shows this. I disputed it as it should not be on my credit report. I enrolled in a free trail membership ant a martial arts Gym and cancelled well within the free trail cancellation window. The Gym gave me a very hard sell but I refused to join. They continued to send me bills even after I had spoken with the head instructor and he agreed to not bill me. TransUnion did not provide any further details about their investigation or why this martial art gym shows up on my credit report as an adverse account. I work very hard to ensure my debts are paid in a timely fashion and this is the only ding on my credit report and it is false. 

Any assistance would be greatly appreciated. 

Thank you for your time.

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