BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-23
Company: EQUIFAX, INC.
State: VA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 explanation
Consumer complaint received 2017-05-17
Company: Advanced Collection Bureau, 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:
Account has not been verified after I asked  Collection Agency to  give me the information about this account  XXXX / XXXX /  XXXX   Asked company to send validation of amount owed they have yet to respond

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: Penn Credit Corporation
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Penn Credit Phishing f or physical address & s.s.n.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a monthly credit card payment plan through T.D. Bank in New Jersey. I received a notice my monthly payment was due on XXXX/2022/. I scheduled a payment for XXXX/XXXX/2022. The company did not process it and failed to notify me there was an issue. The online payment showed it was still pending. This company charged me a XXXX late fee. I have been unable to get through the phone line to speak to anyone. The online account does not even list an account number. I am only required to pay {$27.00} a month per the purchase agreement I made for the product through XXXX. I made another payment today and it only shows as pending. Their website is highly problematic when making payments. It doesn't show the agreed payment amounts at the time of purchase and seems to have problems posting payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX 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 reports no consent is fraud.

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 2022-04-28
Company: BANK OF THE WEST
State: ND
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid of this loan a long time ago and did not receive my title, due to an address issue. I have called numerous times to request the pay of documentation so that I can request a new title and am consistently told that this is an issue they often have and that the rep 'will try ' to get me what I need, but I never get any documentation or follow up! I am so frustrated! I just need proper documentation showing this loan is paid off so I can get a copy of my vehicle title. This is ridiculous that it has literally been over a year and I can not get what I need.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
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: Was not notified of investigation status or results

Complaint:
My information was compromised, someone applied for multiple credit but none of the application were approved as I had an alert on my SS #. Although they were unable to open any accounts the inquiries still show up on my credit reports. I have attempted several times within the last year and a half to dispute and have an investigation done but I have never gotten a response. The latest dispute was submitted  XX/XX/2017    and still I have no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Florida XXXX Wells Fargo XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Account number : XXXX To Whom It May Concern, This letter is a formal dispute and request to remove late payments from my credit report. The information is incorrect, untrue, and the laws pertaining to furnishers reporting late payments is quite clear. I have outlined it below : Section 623 ( a ) ( 7 ) requires a financial institution that regularly reports negative information to nationwide CRAs to provide one clear and conspicuous written notice of that practice to consumers, no later than 30 days after first reporting such information. My research has found this notice is typically found on monthly statements, however : 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( 7 ) Negative information ( E ) Use of notice without submitting negative information No provision of this paragraph shall be construed as requiring a financial institution that has provided a customer with a notice described in subparagraph ( A ) to furnish negative information about the customer to a consumer reporting agency.

Additionally, FTC Advisory Opinion to Harris ( 03-22-99 ) states : " Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. This opinion goes on to address the reporting of late payments stating this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct.As you can see the law and FTC opinion state that you, the furnisher, are NOT legally bound to report negative information. Please refrain from continuing to report the late payments on my credit reports. The account is current, and thus, you have a duty to correct and update the negative reporting of late payments. 
Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida 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 2017-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
My information was compromised, someone applied for multiple credit but none of the application were approved as I had an alert on my SS #. Although they were unable to open any accounts the inquiries still show up on my credit reports. I have attempted several times within the last year and a half to dispute and have an investigation done but I have never gotten a response. The latest dispute was submitted  XX/XX/2017    and still I have no response.

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 2022-04-28
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021, I mailed a letter to XXXX in regard to an inaccurate collection account, company is CREDIT COLLECTION SERVICE XXXX. {$330.00}. This account was found to be inaccurate and removed. now the company has relisted the account without any form of mailed communication. They did not provide me with debt validation of a copy of the ORIGINAL CONTRACT WITH MY SIGNATURE FOR THE DEBT. They did not provide me with the FULL PAYMENT HISTORY FROM THE ORIGINAL CREDITOR. They did not provide me with the ADDRESS of the ORIGINAL CREDITOR. The collection company did NOT SHOW PROOF THAT THEY OWN or HAVE BEEN ASSIGNED THE DEBT TO COLLECT.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.

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 2017-05-17
Company: EQUIFAX, INC.
State: DE
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 understand that the law is civil judgments and liens can stay on credit fo r seven years. Seven  years is entirely too long for consumers to be able to regain credit acceptance. Although the law will change  XXXX   XXXX  this is for new debt. What about past debt? Working for a mortgage company you can even buy a house 3 years after you file bankruptcy! Why is the negative impact of judgments allowed 7 years to ruin your life? 7 years is absolutely asinine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : 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 2019-01-25
Company: Experian Information Solutions Inc.
State: CT
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 reaching out to you because there are many hard inquiries on my account that should not be there and or I did not consent to. For instance there are 4 or 5 pertaining to my buying a house. I was told that there was a grace period where the hard inquiries would be waved. In any case, I was unaware that shopping for better rates with different banks would affect my credit score in such a bad way. I was actually told that my wife and I could shop for mortgage lenders without penalty. Being that this was our first time ever buying a home, we feel like we were taken advantage of. Both of our credit reports reflect several inquiries that seem to resulted it lower our scores by what we consider a substantial amount. The following are reflected on both, my XXXX and XXXX ; and I'm assuming my Experian  as well : XXXX XXXX XXXX XX/XX/2018 XXXX XXXX- XX/XX/2018 XXXX XXXX XXXX XXXX- XX/XX/2018, XX/XX/2018 XXXX XXXX- XX/XX/102018 . We eventually went with XXXX XXXX XXXX XXXX but as I stated above, through the entire process, my credit was pulled 4 or more times. I never gave XXXX   permission to run my credit the way they did. They were given permission for a pre-approval and the did 2 hard inquiries. All of these inquiries are disheartening. I was told I would not be penalized while house shopping ; and, I was Also, I went to XXXX dealer ship in XXXX CT, on the XX/XX/XXXX. I gave them permission to run my credit once, as a co-signer and they ran it themselves and through XXXX XXXX. Some of the inquiries on my credit report are nearly a year or so old. Before I bought my house in XX/XX/XXXX, my credit score was averaged at a XXXX. Now I'm being told it is at a XXXX ; all I did was by a house in that time, and my mortgage is always current. I don't understand I it went down over 100 points.

If, you can help with getting a number of these inquiries removed I'd greatly appreciate it.

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 2023-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
XX/XX/2023 I request my credit report to find out that this was reporting wrong I've disputed this item 2 time. First delinquent day is reporting wrong, the month of XXXX do not show any data but still reporting late in the status history. The account is charged off with a balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-17
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:
1 ) I have several pages of inquiries in which NONE of them belong to me. I also had my identity stolen about a year ago so that could have played aboard.
2 ) addresses are in correct. Only  one that    should be on file is  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ca  XXXX .    3 ) employers are incorrect onl y one t hat should be on their is     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 2021-07-07
Company: FIRST NATIONAL BANK OF OMAHA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received the XXXX rewards Mastercard in XX/XX/XXXX with a limit of {$9000.00}. I used the card and paid monthly on time, then in XXXX of XXXX I received a notice that my credit limit was drastically lowered to {$2600.00} and my balance at that time was {$2400.00}. I then called First Bankcard to inquire why my balance was so drastically lowered and they stated that XXXX  reported to them that my score was XXXX. I then proceeded to state that was not true due to that I have an account with XXXX  and my score was at a XXXX, I also called XXXX  and they stated that a score of XXXX was not reported to First bankcard. I was also advised to send a copy of my credit report from XXXX  to their credit dept. and I did but no response by mail or a phone call after the review. So, at this point I did not use the card anymore and just started to pay the card down drastically so I can pay it off. Then in XXXX of XXXX First Bankcard then proceeded to lower my limit again to {$2200.00} and I called again to get an explanation which was useless because everyone just says we sent you a letter to explain. At this time, I was searching for a mortgage loan to purchase a second home and I did have more inquiries, but none of my other credit cards have either lowered my limit or closed my account. I have all my other cards for years and none have treated me the way First Bankcard have. Now today XX/XX/XXXX First Bankcard closed my account with a balance of {$2000.00}. This will be very harmful to my credit profile. This is not fair that they are allowed to do this to people especially during a time of a pandemic and the way it is affecting people losing their jobs and homes. I have been extremely fortunate to be able to pay my bills on time even through all this and maintain my credit and now to find out that First Bankcard is the only company not helping people currently. All my other credit cards and my mortgage company have been extremely helpful during all of this. I would like an investigation into this company business practices against consumers.

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 2017-05-17
Company: EQUIFAX, 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:
1 ) I have several pages of inquiries in which NONE of them belong to me. I also had my identity stolen about a year ago so that could have played aboard.
2 )   addresses are in correct. Onl y  XXXX  that sho uld be on file is  XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX  ca  XXXX .    3 ) employers are incorrect only   XXXX   that should be on their is   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
1 ) I have several pages of inquiries in which NONE of them belong to me. I also had my identity stolen about a year ago so that could have played aboard.
2 )   addresses are in correct. Only one that should be on file is  XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX  ca  XXXX .    3 ) employers are incorrect only one  that should be on their is   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 2017-06-28
Company: OPORTUN FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
The company Progreso also known as Oportun has been very unprofessional and negative about the resolution of my loan. Every time I call for information about pay off amounts, it 's a different story and bad costumer service as well having to describe to a several agents your situation. I have also been sued by this company for less than {$3000.00} dollars and keep adding costs to my pay off balance. This company is so bad that they continue the law suit even after I paid the fees they demanded I paid the latest {$2000.00} on X/XX/2017 after trying to pay off the entire amount since X/XX/2017 and a couple of times before that in XX/XX/XXXX, but every time I called a different agent had a different amount to pay. Overall it 's been a nightmare dealing with this company, I do n't recommend it to anybody. They have denied to deal with my Financial Mediator to step in in my favor. Above all, what upset me the most, was oportun, sending one of they 're employees to my house, Aggressively knocking my door, and handing me court papers, instead of mailing these forms, Oportun took Extreme Measures by sending someone to my house. This is a very corrupt Company, I will never deal with these individuals again.

Company response to consumer: Closed with non-monetary relief