BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-27
Company: Resurgent Capital Services L.P.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am so displeased with the way my information was used by XXXX XXXX. I am very distressed and emotionally distraught because I was trying to buy a home for my family, and I got denied due to damaging, inaccurate and incomplete information being reported on my Consumer Credit Report. This is a defamation of my character, and its hindering my success. I take my livelihood very seriously, and I expected you to do the same. 
According to 15 U.S. Code 1681, you are supposed to promote fairness and accuracy on my Credit Report. But all I see are Fraudulent, Unauthorized, and Unvalidated Accounts. I was a victim of the data breaches with XXXX and XXXX, so at this point, you really should be protecting my privacy. This is detrimental to my emotional and psychological health and well-being, to the point that I had to have my pastor pray for me several times. 
I dont have access to safe, affordable housing now, because you are violating my rights and privacy with this inaccurate reporting. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, no Data Furnisher should be reporting any inaccurate, incomplete or unverifiable information, because this is negligent and willful non-compliance. I need help now so I can proceed with buying me and my family a house, as this is negatively effecting my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 have two accounts on my credit report for XXXX XXXX . Neither of the accounts belong to me. I have contacted the company and provided identity information. It has been over 6 months and I haven't received an response. Account numbers and details are listed below. 

Account # XXXX Balance : {$0.00} Account # XXXX Balance : {$3000.00}

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 2023-03-27
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: Information belongs to someone else

Complaint:
My birth certificate was stolen from my car and I need these unauthorized accounts off my credit report.

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 2023-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/XXXX Someone went to Bank of America and withdrew funds from my checking account with fraudulent checks for {$22000.00} XX/XX/XXXX Check # XXXX Pay to XXXX XXXX XXXX {$8500.00} XX/XX/XXXX Check # XXXX Pay to XXXX XXXX XXXX XXXX {$2500.00} to XXXX XXXX  XXXX # XXXX XX/XX/XXXX Check # XXXX Pay to XXXX XXXX XXXX XXXX {$2500.00} to XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX  was paid on XX/XX/XXXX {$9200.00} ( XXXX XXXX ) XXXX  ID # XXXX The person who did this is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Lives in XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Police report # XXXX XXXX, IL I want all these people prosecuted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion keeps allowing a third party debt agency whom I don't know and have never had business with to post negative reports on my credit account repeatedly which lowers my score month after month. This despite disputing XXXX , XXXX XXXX XXXX , XXXX 's alleged claims agaist me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXXXXXX XXXX XXXX  my XXXX insurance policy was up for renewal. They wanted to double my insurance payment due to an accident my son was involved in. Before the renewal was due I shopped around and went with XXXX insurance. I contacted XXXX on a 3 way phone call with my new XXXX representative and closed my XXXX account. A little over a month later they kept sending me bills as though I was still a client. I called them and told them I dropped them they insisted I didnt and claimed I had to send a form to prove I went with XXXX and dropped them. XXXX did on my behalf and then in XXXXXXXX XXXX XXXX they got a collection agency after me. I called the XXXXollection agency credit control services told them the situation and they asked me to forward the information to them of how I had insurance with XXXX and dropped XXXX and I did I believe 2 times. I recently seen it got dropped from my XXXX XXXX report but not from the others so today XX/XX/XXXX I called again and explained it all over again and although they were very polite and helpful they want me to pay the debt of {$730.00} which I do not owe. They even offered to knock it down and offered me a payment plan. I told them I appreciate you offering me this but I do not owe XXXX a thing and Im not paying them at all. I asked if she could help me settled this with XXXX and she said all she can do is offer me payment options. I think this is absurd what XXXX is doing. i No longer use them I dropped them and did it before my renewal was due and they were notified more than once and still they continued to charge me. I hope this matter gets resolved with your help. Thank you

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Applied for Credit, received denial letter with information, that have been working with Experian correcting information on Consumer Credit Report, Experian Reporting information that I'm not seeing on credit report. 
Started correcting information with Experian why wasn't aware of these action. 
I'm aware of all XXXX Bureau, have been working with. 

So Experian reporting fault miss information on credit report. 
Received information from other Bureau about email Identify. Now Experience now correcting other Bureaus have. 

Need for Experian to Report correct information, also to correct my Credit Report.

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 2023-03-27
Company: OneMain Finance Corporation
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a loan with One Main Financial. If I am one day late, just one day, not 15 days or even 30 days, they start calling 2-3 times per day. I believe this is excessive. I dont answer. I will pay, just things are tight so we always have to string things out a bit and are sometimes a week or 2 late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I lived in the apartments XXXX XXXX and one day someone was visiting my apartment and they hit her gate coming in or out. The apartment have video of the person who hit the gate and know that it was not me and also that they were not a resident of my apartment just someone stopping by. I have disputed this debt as well as provided the person who did hit the gate name which is XXXX XXXX she should be responsible for this debt as I explained to the apartments. They have a clear video of this lady hitting the gate and have continued to be a nuisance on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: AMERICAN EXPRESS COMPANY
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I had purchased an item from XXXX XXXX XXXX XXXX Through their on-line store using my American Express card and never received my merchandise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Contacted bank on XX/XX/XXXX Your customer service only goes to XXXX XXXX Eastern. Im sitting on hold forever to get an agent. I need to place an ACH stop payment for {$1900.00} from the Internal Revenue Service ( IRS ). I setup through XXXX on XX/XX/XXXX with anticipating withdrawal of XX/XX/XXXX. Per my bankruptcy attorney Im not supposed to directly pay it as my bankruptcy is. The IRS said they couldnt help when I called today to cancel the payment. Please assist. 

They called XX/XX/XXXX from office of president and said stop was placed. Over the weekend XX/XX/XXXX I went to use debit card and it declined and its as a result of the payment hitting my account and putting me negative. I dont recall giving them permission to allow my account to go negative. I contacted the bank XX/XX/XXXX and XX/XX/XXXX via email and this is still not fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
5 weeks ago I refinanced my Jeep from TD auto to my local credit union TD received and signed for the check via XXXX XX/XX/XXXX. TD lost the check and advised I stop and reissue check payoff for XXXX. My local credit union doesnt stop checks for 90 days after issue. However they stated they would make an exception if TD signed an indemnification letter stating they lost the original check. That letter was faxed last XXXX and I was told today XX/XX/XXXX they would not sign the letter. So I have 2 open loans that I have to pay on so my credit doesnt get affected equaling almost XXXX which i can not afford 2 loan payments! I have 2 car loans on my credit report for the same car. Countless phone calls to TD auto and they are doing nothing to help me. Spoke to XXXX the manager today XX/XX/XXXX advising that something needs to be done to help me. He stated he will get me an answer and call me back in 2-3 business days. I literally have no where to go for help. My credit union who I refinanced with will not stop the lost check for another 2 months if TD auto finance does not sign that letter. I am filing a complaint on TD auto finance for not helping me as they are the ones who lost my check. No one is helping me at all. I will never finance through TD auto again

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28
Company: Experian Information Solutions 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:
XXXX accordance with the Fair Credit Reporting act XXXX Account name XXXX. XXXX, 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.

I've reported this this fraudulent ACCOUNT to the XXXX website. Here 's My FTC identity theft Report Number : 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 2023-03-28
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:
I have disputed inaccuracies on my credit report to Experian several times without a resolution. The following accounts are reporting accurate late payments and no data on my credit history which is destroying my credit report. XXXX XXXX XXXX # XXXX is reporting 30 days late in XX/XX/XXXX. I was never late in XX/XX/XXXX. In XX/XX/XXXX I paid on time and it's reporting no data with makes this account incomplete. 

I also disputed XXXX  XXXX # XXXX several times and Experian is still reporting XXXX  days late XX/XX/XXXX and XX/XX/XXXX which is inaccurate because I paid on time on those days. 

The last account is XXXX XXXX Bank # XXXX is reporting XXXX  days late XXXX XXXX, XXXX  days late XX/XX/XXXX XX/XX/XXXX, and XXXX  days late, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These late payments are inaccurate because I paid on time on all these days. 

I disputed these accounts on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Experian has failed to correct or delete these inaccurate accounts on my credit report

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 2023-03-28
Company: EQUIFAX, INC.
State: GA
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:
I have repeatedly informed Equifax, XXXX, and XXXX of inaccurate information that's being reported on my credit file. The first dispute was sent to all three bureaus on XX/XX/2022. I did not receive a response from my dispute. I also sent a dispute to the company furnishing inaccurate information to the credit bureaus, but still -- I did not receive a response. I repeated this dispute in XXXX of XXXX, and again in XX/XX/2022. Still no response. 
The inaccurate information has prevented me from being approved for a mortgage. I ask that CFPB investigate this matter on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: EQUIFAX, INC.
State: TX
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:
Dispute Letters ( XX/XX/XXXX ), a Follow-up Letter ( XX/XX/XXXX ), a third Follow-Up Letter ( XX/XX/XXXX ), and a Fourth Notice of Intent to File a Formal FTC Complaint ( XX/XX/XXXX ). In total, I have sent four letters asking for a correction to my credit report.

To date, I have had to dispute incorrect medical collections along with inquiries that are not mine four times. On different occasions, I have received responses from all three credit bureaus with resolutions being removed/deleted from my credit report. 

The inquiries XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-05-02
Company: Second Round Limited Partnership, Austin, TX Branch
State: NE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The contract was ended in 2016. The debt was written off by the company in 2016. This is no longer a valid debt. No valid contract exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX Balance : {$230000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$230000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$230000.00} This follow-up is to make sure that the listed accounts are validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: General Motors Financial Company, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXXXXXX Date opened : XX/XX/2018 Balance : {$0.00}. Please delete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28
Company: EQUIFAX, INC.
State: WA
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 my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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