BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 Bankruptcy XXXX  XXXX Reference number : XXXX has violated my rights 15 U.S.C 1881 section 602 A. States I have the right to privacy 15 U.S. C 1681 Section 604 A Section2 : 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 2022-08-02
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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00}, and XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$17000.00}. 

If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

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 2022-12-13
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This Collection agency credit control corporation have been doing illegal activities before any legal matters get involved I would like to resolve this matter by them being removed from my consumer report. Credit control Corporation XXXX # XXXX Has been removed from 2/3 Credit Reporting Agencies due to its inaccuracies.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Below will be attached an FTC Report

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Informed Nissan of issues with used car purchase. Prior attempted to obtain financing with Nissan for a new vehicle. Credit denied ; although, I have a satisfactory payment history with another vehicle lender, XXXX XXXX for a period of 3+ years. The XXXX I owned started misfiring ( check engine light was on ) around the 3 year mark when lease ended. Contact XXXX to determine if this was something that was covered as XXXX XXXX XXXX covered the engine for life ; however, now XXXX XXXX XXXX is no longer known by that name. Name has since changed to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: JPMORGAN CHASE & CO.
State: VA
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: Received unsolicited financial product or insurance offers after opting out

Complaint:
JP Morgan Chase has abused its digital relationship & misused my credit report by repeatedly misusing my informations

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Experian Information Solutions Inc.
State: OH
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 forwarded a letter to the 3 Credit Bureaus dated XX/XX/2022 to erase this suspicious information. I think you have not validated this account in agreement with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # 's XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXX Balance : {$0.00}

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 2022-10-21
Company: Revco Management, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Fraud complaint for XXXXXXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX From XX/XX/XXXX until XX/XX/XXXX I was XXXX in XXXX XXXX. I own an XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX Ohio XXXX and prior to my XXXX I had some guy living in XXXX XXXX XXXX at XXXX XXXX XXXXTo my understanding aroun
d XX/XX/XXXX he moved for none payment of rent. 

Then im not for certain because i was XXXX since XX/XX/XXXX and i didnt have any contacts with anyone on the outside. So i don't know if this unit was occupied or not but i have a bill from XXXXXXXX XXXX stating i owe them {$550.00} for XXXX XXXX XXXX at XXXX XXXX XXXX ohio XXXX for services from XXXX. 

I didn't authorization anybody to turn on any any utilities new utilities in my name. Therefore, I don't feel I'm entitle to owe this bill. 

XXXXXXXX XXXX has told me that I called them with my personally information. That's totally not true. In XXXX you can't make three way calls because the phone will automatically hang up and you have to have people on your call list approved to even talk to them. 
Along with this complaint I'm sending a copy of both my XXXX papers, my release papers to the XXXX XXXX XXXX and a copy of my police. 

I will also send a copy of the fraud report that XXXXXXXX XXXX  sent me. It States if the property is commercial or if I'm the owner they can't investigate it. When I called XXXXXXXX XXXX they knew they property was commercial and they knew I owned the unit. So i take that as if they're saying they're not going to look into this fraud account against me. 

I'm also at the point of believing cause I've told these companies I was XXXX they're holding that against me and prejudice in a different way

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-13
Company: CarMax, Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I currently have a car loan with XXXX XXXX and my payments are on time. Since I got this loan and was a day late on payments, I continue to receive phone calls, every single day at all times of the day. It is harassment at this point. I have already asked them to stop and it continues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: SYNCHRONY FINANCIAL
State: VA
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:
We are not able to have our payment applied so that we can continue to use our card for food and gas. I cant understand why the payment is considered large when its less than {$4000.00}

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 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 forwarded a letter to the 3 Credit Bureaus dated XX/XX/2022 to erase this suspicious information. I think you have not validated this account in agreement with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # 's XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXX XXXX : {$0.00}

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 2022-12-13
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
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:
Your company is in clear violation of the law. Under 15 USC 1681b permissible purpose of the consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Updated and new information : Subject to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FIAR CREDIT REPORTINGACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681is-3 of this title any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the late payments from my consumer report this agency is in violation of 15 USC 1681 see attachments

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 2018-11-14
Company: TRANSUNION INTERMEDIATE 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: Personal information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2022-10-21
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have requested an proper investigation to XXXX, XXXX AND EXPERIAN regarding an account for 5 months since XXXX XXXX after XXXX followups XX/XX/2022 XX/XX/2022 XXXX XXXX and also XX/XX/2022 and XX/XX/2022 i still havent received the requested information. Also, i have pointed out numerous errors [ ie. billing dates, balances and etc ] regarding the charge off account showing on my credit report requesting them to be removed this has caused detrimental effect on my health and welfare [ ie. billing dates, balances and etc ].

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 2022-12-14
Company: Credit Karma, LLC
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My account was closed XXXX XXXX & when I try to access it in the app it says they are having trouble verifying my identity so Ive had no access to it since then! I had a direct deposit of my Michigan state taxes into that account on XXXX XXXX in the amount of {$1500.00} they decided to keep it & say it was due to my account being closed & me owing them {$2100.00} this is the first Ive heard of this & they are unauthorized charges I did not authorize at all! They told me that my deposit would be reflected & sent back to the insurer & it was not it was deposited into a closed account & they refuse to send it back or give me my money. I have no access to this account at all to see anything & I looked it up there is fraud protection here & it is not being honored they refuse to show me the policy stating they can do this or any info stating where my money is they are foreign as well & are hard to understand

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: PORTFOLIO RECOVERY ASSOCIATES 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 a victim of identity theft. Please see the attached documents relating to this case and completed identity theft affidavit. Also, please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within XXXX business days of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
THESE COMPANIES FRAUDULENTLY OBTAINED COPIES OF MY CREDIT FILE WITHOUT MY PERMISSION OR KNOWLEDGE. MY XXXX  EX-HUSBAND USING MY IDENTITY TO OBTAIN LINES OF CREDIT AND THESE INQUIRIES NEED TO BE REMOVED IMMEDIATELY FROM ALL THREE CREDIT BUREAUS AND CONSUMER REPORTING AGENCIES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 reported the XXXX  account for {$57.00} and a XXXX XXXX XXXX account for {$1500.00} on my Transunion account as a violation of code 15 USC 1681B Permissible Purpose. These accounts are fraudulent and violates this code. It has passed 30 days and this issue has not been answered. I have received a response from Transunion on another issue but not this one and XXXX and XXXX has already removed this account from their report. 

I attached a report from XXXX and I will be sending in this same report to the bureau.

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 2022-08-23
Company: Westlake Services, LLC
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:
THESE COMPANIES FRAUDULENTLY OBTAINED COPIES OF MY CREDIT FILE WITHOUT MY PERMISSION OR KNOWLEDGE. MY XXXX EX-HUSBAND USING MY IDENTITY TO OBTAIN LINES OF CREDIT AND THESE INQUIRIES NEED TO BE REMOVED IMMEDIATELY FROM ALL THREE CREDIT BUREAUS AND CONSUMER REPORTING 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 2022-10-21
Company: Nelnet, Inc.
State: WV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/2022, I called Great Lakes Borrower ( XXXX  ) and requested a refund for the payments I made during the COVID deferment period. This amount totaled {$5200.00}. I was advised by the male representative that I would receive my refund back in XXXX days. After seeing concerning posts online about how XXXX changed the return dates have been extended to XXXX days, I followed up on XX/XX/2022. I was advised that it would now take XXXX days to receive the amount. I was told I didn't need to do anything further. At this point the amount I owe had not updated. I have seen online in places such as XXXX, where people who requested for refunds in XXXX ( this is well after my request date ) have already received their payments. On XX/XX/2022, I called and spoke with a female customer service representative who was less than helpful. She told me she wasn't sure why other people would receive a refund before me. She explained that some people get their refunds in the XXXX day window, and others it takes longer. She then said I was still in the XXXX day window ( I was well out of it. ) She told me I should see my balance update within the next week or so. Here I am over a week later, still no updated balance, still no refund. I have concerns that I will not have an updated balance before my loan is forgiven. This has been a very disheartening experience, and I feel awful for anyone who uses this service for future student loans. Please be aware of who you are using being signing into debt because you are at their mercy. If I owed this company over XXXX, they'd be coming for my throat with XXXX time to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: NAVY FEDERAL CREDIT UNION
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: Investigation took more than 30 days

Complaint:
It's been over XXXX days and the creditor has not updated the information nor provide proof or documentation in regard to a late payment. 
They have not supplied this information and they must delete the alleged late payment on my credit report. Under federal law, they had XXXX days to complete the investigation and by failing to do so, the items must be deleted from the report as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: EQUIFAX, INC.
State: FL
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've contacted the accounts listed below & they told me I've never missed a payment, yet XXXX, Equifax and XXXX refuses to fix the accounts from being listed late. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do XXXX, Equifax and XXXX 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to correct these damaging negatives from my profile. 
DEPTEDXXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$19000.00} XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$790.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022, I received a digital letter from Synchrony Bank stating that my account with them through Guitar Center had been closed -- even though I had perfect payment history with them, and I still owe a balance. This is after they already reduced my credit limit earlier in the year -- again, I have perfect payment history with them. Both of these instances adversely affected my credit score. The letter and account closing date was dated for XX/XX/2022, and the credit score they were utilizing to determine this decision was from XX/XX/2022 -- more than 60 days old. There are two issues here : 1 ) XXXX shared my credit with them without my knowledge on XX/XX/2022, 2 ) Synchrony Bank/Guitar Center made the decision to close the account based on outdated/incorrect information. I called immediately and the customer service rep said her manager said it was XXXXXXXX XXXX  fault for giving them the credit score in XXXX -- however, I find much more issue with Synchrony using outdated credit information to make a decision more than once this year, given I have perfect payment history with them. Now I will continue to make payments to them, without any of the benefit of " on time '' payments on an open account. They have impacted my credit score negatively twice this year. This is the second account I have had with them where they have done this. XXXX sharing my credit score when I have my credit report locked is something else that needs to be apprehended as well.

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