BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have disputed the items that are not mine and there some items that is still remaining that needs to be 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 2021-03-15
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:
of XX/XX/XXXX i submitted account verification and the source of the information for the second time. 
XXXX never answered me the first time, XXXX and Equifax answered " The company that reported the information has certified to XXXX that the information is accurate '', but never inclosed where did they get their information or who is the source of their information. 
it is a public record from the BK court, the court never chairs my information with any credit report as well as XXXX XXXX has taken this information of their record.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I the consumer and natural person was denied credit by Huntington Bank when I applied for a XXXX XXXX XXXX XXXX XXXX. My application number is XXXX. I would first like to address Adverse action against a consumer is against the law according to the Equal Credit Opportunity Act which codified in the 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k, also in violation of 15 U.S.C 1642, U.S.C 1681m and 12 CFR 1002, furthermore 12 CFR 1002.4 ( a ), along with 15 U.S.C 1681a. XXXX and XXXX XXXX is reporting this inquiry on my consumer Report. The documents that will be attached show that someone is lying to me. I got a notice stating I was not approved, nor denied. I was told there were no hard inquiries on my credit, but they are still reflecting. I also spoke on a recorded line with a manager of their bank as well as a supervisor. I was told they denied me credit and they did an adverse action, which is against consumer rights according to the US cod of justice. I also did a second application, but I made sure to reserve all my rights on the new one and they are still not approving me while continuing to violate my rights. On the second application, I verbally expressed to the banker XXXX, that I wanted to tender this to make sure he got it completed and it was not specifically for just one vehicle. It was to be able to be taken to a dealership for the vehicle of my choosing and I had chosen the XXXX XXXX XXXX XXXX. I also sent a hand written letter in the mail certified mail. Please do a deep investigation!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/22, I applied for an Amazon credit card on their website. I was immediately denied a credit card. I know that they have 30 days to respond under the FCRA rule 640.4 ( c ) ( 3 ) but this is the second time I applied for a credit card and no notice of adverse action was ever sent to me. The last time I applied was over 2 months ago and no reason for denial was ever sent to me. The last time I applied I had credit score of over 700.

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 2019-10-22
Company: Innovative Collections, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a debt complaint from Innovative Collections on a rental car that I turned in on the day of the supposed violation. I returned the car early AM and did not have any ticket whenever I used the car, and I don't own the car, and I don't know if I was the one driving the car if/when any violation occurred. To verify the debt / incident, I disputed the debt by following the exact procedure written out on their mailing ( attached ) within 30 days, and then I received a mail reply signature receipt ( attached also ) from a person who received it. That person 's name is XXXX XXXX and they received it last week. Yet, when I call, they say they never received anything and make up that I would be late for an appeal. I corrected the phone rep who seemed to be in error that I meant I disputed and I was within the time frame, and she was talking about an appeal w the city. I never saw anything from the city. I asked to speak to supervisor and she said there are none on staff and someone would return my call. Then later in the call, she said nobody would be calling me. The whole thing sounds illegitimate and beyond inappropriate.

Company response to consumer: Untimely response
Consumer complaint received 2023-10-06
Company: ProCollect, Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My personal information was utilized without my explicit consent and subsequently incorporated into my credit report. The following includes the name of the inquiry, dates, and amounts. ( XXXX XXXX XXXX XX/XX/XXXX {$160XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Automobile XXXXealers ran my credit ) ( XXXX Communications {$140.00} XX/XX/XXXX XXXX XXXX Capital XXXX {$250.00} XX/XX/XXXX ) I did not authorize these institutes house my information.

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 2023-02-22
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing this letter to dispute some of the negative items that are being reported on my credit report by your company. I have recently obtained a copy of my credit report and noticed that there are some inaccuracies and discrepancies that need to be addressed. 

Firstly, I would like to address the charge-off account reported by XXXX, account number XXXX. I have never had an account with XXXX and I believe this account has been mistakenly added to my credit report. I request that you investigate and remove this account from my credit report immediately. 

Secondly, I would like to dispute the charge-off accounts reported by XXXX XXXX XXXX XXXX account numbers XXXX and XXXX. I have never had an account with XXXX XXXX XXXX and I believe these accounts have been mistakenly added to my credit report. I request that you investigate and remove these accounts from my credit report immediately. 

Thirdly, I would like to dispute the charge-off account reported by XXXX, account number XXXX. I have never had an account with XXXX and I believe this account has been mistakenly added to my credit report. I request that you investigate and remove this account from my credit report immediately. 

Fourthly, I would like to dispute the collection account reported by XXXX XXXX XXXX XXXX, account number XXXX. I have never had any dealings with XXXX XXXX XXXX XXXX and I believe this account has been mistakenly added to my credit report. I request that you investigate and remove this account from my credit report immediately. 

Lastly, I would like to dispute the charge-off account reported by XXXX, account number XXXX. While I did have an account with XXXX in the past, I believe that this account was settled and paid off in full. I request that you investigate and update the status of this account accordingly. 

I request that you investigate these disputes and make the necessary corrections to my credit report as soon as possible. Please send me a written confirmation of the outcome of your investigation and the actions you have taken. 

Thank you for your attention to this matter. 

Sincerely, 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 2021-03-15
Company: Aspen National Financial, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I purchased & owned a timeshare. Payments were made & I still have not received my deeded weeks ( 5 weeks ). with XXXX XXXXXXXX XXXX XXXX XXXX. I received a collection notification from Aspen National Collections from XXXX XXXX, Collections Manager with XXXX XXXX XXXX  XXXX XXXX. I received a collection notification from Aspen National Collections from XXXX XXXX, Collections with additional fee for {$430.00} ( Association Interest : {$86.00} ; Late Fees : {$25.00} ; Collection Fees {$280.00} & Interest ( 5.5 % ) - {$36.00} more than the bill of & XXXX ( XXXX Maintenance Fee- {$820.00} & Taxes {$190.00} ). 

Paid XXXX, XXXX, XXXX fees were paid but I never received my deeded week. Highway robbery!!!! 

The documents showed XXXX & not XXXX!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The Heroes Act Section XXXX protects consumers like me by preventing adverse information being added to consumer credit reports and prohibiting credit score furnishers from creating and/or implementing new credit scoring models that would lower existing consumer credit scores during the XXXX pandemic, meaning if they are reporting late payments during the pandemic, my scores would drop. I wrote TransUnion to make them aware of this and to have all negative remarks removed from the following accounts, XXXX  XXXXXXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, and XXXX  XXXX XXXX Account Number : XXXX however they refuse to remove the late payments that are incorrectly reporting on my credit report and damaging my scores. What is the point in the XXXX implementing a law such as this when no one actually follows this? At this point, I DO NOT give my permission, under " Permissible purposes of consumer reports '' [ 15 U.S.C. 1681b ] to TransUnion to report any negative remarks on those accounts under my credit file with them.

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 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. Transunion must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 2023-10-18
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I am writing to request your assistance in addressing critical issues I have encountered regarding the verification, validation, and accurate reporting of information on my credit reports as per the guidelines of the Fair Credit Reporting Act ( FCRA ) found in 15 U.S.C. 1681. I have been diligently disputing the following inaccuracies with XXXX, XXXX, and Equifax since XX/XX/2023, yet they have failed to properly investigate the reported discrepancies :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have and account that is showing 2 late payments in XX/XX/XXXX, XX/XX/XXXX that i was not late for. I received no bill for these months but was on auto payment anyway so have no idea how it is showing as two late pays on my account, I have not gotten a good breakdown as to how i was late both of these months. I've tried challenging the reporting with the bureaus but have had no success in getting information of the items removed. Please assist me in getting some answers here. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: AmeriHome Mortgage Company, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have two properties that were sold from one mortgage lender to another. In XXXX of XXXX XXXX XXXX sold our loan to AmeriHome Mortgage Lending. Unfortunately, this transfer was not communicated to us in a timely fashion. We continued to be invoiced by Planet after the " sale '' date, so we continued to make payments on both properties ( additional {$5000.00} for one ). We made XX/XX/XXXX payments to Planet not knowing that the loan was sold to AmeriHome. Planet Mortgage readily agrees that the payments were made and we have documentation that they received these payments. AmeriHome continues to state that they have no record of these payments that were made. We paid ( AGAIN ) XXXX payments to AmeriHome so that our credit would not be affected. In summary, there were TWO additional XXXX payments made on these properties and no one can tell us where those payments are. We certainly have not received credit for them. I have another account number for the other property that I can submit later.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Credit reporting shows a past due balance on a charged off account. How can there be a past due balance when the account has been written off? I have requested several times for this inaccurate information to be deleted yet it has not.

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 2023-10-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Before I was the victim of identity theft with XXXX 's appliances. I had, maintained, and successfully paid off an account without incurring any late charges. 

XXXX and Equifax are reporting to other XXXX 's accounts that bear the same account information as the initial account that I was responsible for financially. Except the accounts that they are reporting have {$4700.00} balances associated with them. 

I disputed the validity and accuracy of the two derogatory XXXX 's accounts and instead of XXXX deleting the derogatory entries, it elected to delete the account that was in good standing and positively impacts the credit report that XXXX has compiled and paired with the social security number that was assigned to me. 

XXXX has also chosen to retaliate against me by deleting other positive entries that was listed in the consumer report that it compiled causing the score that I diligently work hard to maintain to drop from XXXX to XXXX. This retaliatory tactic of deleting information that I am not disputing or information that I requested be reversed and not deleted is being deleted without just cause. 

I called several times and sent XXXX and Equifax several letters explaining to them what my name is, what my address is, and who my employer is, but the two entities insist on listing inaccurate and erroneous information without divulging who their respective sources are. 

I am not being allowed to communicate with a representative at XXXX or Equifax over the phone because it has been relayed to me that my actual information doesn't match the information that they received from their respective customers or creditors. 

I am being denied access to dispute any information online as well. 

XXXX has not responded to my dispute letters which validates my name and address. The only changes that it has chosen to make are deletions of positive account information which threatens my economic stability, is defamation of my character, and places me in a state of economic duress and undue financial hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent certified mail to equifax, XXXX, and XXXX  disputing fraudulent charges on my credit file. They were reporting wrong addresses, name spellings, and other personal information that was invalid, I disputed the companies on all three agencies by certified mail as well as the companies these charges were from, I included copies of state identification, passport, utility bills of correct address, police report of everything that was stolen, equifax breach letter with me being a claimant, and court case from one of the collections on my credit file they have not been removed its been over 30 days. XXXX gives you the run around saying there system is down and they can not transfer to a supervisor. It is almost near impossible for them to fix anything with my credit profile. I have been a victim of identity theft since XXXX  and have been dealing with these issues and till today still have not received a resolution. I want a valid answers according to the laws of the F C R A they have not done it and I am being affected daily. I sent all three bureaus 29 page documents with photo copies include proof sent by certified mail receipt no further information was provided from any of the credit repoting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
There was a hard inquiry on my credit report that was not made by myself. XXXX Company : ComenityCB/XXXX No phone number given. No company information to contact them given. 
I did place a fraudulent activity notice on my XXXX account for this inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting 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. The List of accounts below has violated 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief