BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 multiple items that are being reported on my credit report inaccurately. XXXX continues to report past due payment history information that is older than 7 years. I have sent in many disputes regarding this including the fair credit reporting act which states information more than 7 years old must be removed from my credit report. There are several student loans on my credit report that fall under this dispute.

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 2023-06-16
Company: EQUIFAX, INC.
State: AR
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:
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. 

Account name : XXXX XXXX Account XXXX has violated my rights. Or list of inquiries 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
Consumer complaint received 2021-12-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Subject : Request to increase the approval credit limit I have been using credit cards of Capital One Bank for a bit of time, I have 3 credit cards open in good standing and one credit card closed in good standing, thats currently 5 years old. I have always had a good solid record of paying all my credit cards bills on time with your company. Due to my current situation. Based on my complaint, I would like to request you to increase my approval credit line to at least {$1000.00} or {$1500.00} for account ending in XXXX which is my XXXX credit card for good credit. Please note that this isnt a credit line increase that I am requesting, it is based upon my approval notice. 

My job requires me to travel more than usual. I know that my company will sponsor my travel expenses but there are so many such expenses that I will have to bear from my pocket. I apprehend that I would fall short of money if I used a credit card for this purpose. Therefore, I am in dire need to get an approval in my credit line of {$1000.00} - {$1500.00} but if not Im cool with my {$500.00} credit limit. I am attaching a list of all my job title and current income as an attachment. Thanks again for your consideration and God bless us all and stay safe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I'm XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
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 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my NUMEROUS 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 accounts 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 inquiries and personal information : PAVE RIGHT Date Updated : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 2021-12-25
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: Yamaha Motor Finance Corporation USA
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2018 XXXX XXXX contacted my husband about an ATV loan. In the beginning of the call the 1st representative asked personal questions but refused to tell him the nature of the call. She wanted specific detailed info about our son who cosigned the loan. After getting frustrated with the woman my husband gave the phone to me. She finally said who she was calling for an why. She said the amount due given to them from Yamaha was over {$9000.00}. I explained that that couldnt be correct because we put a significant down payment on the atv and financed around {$10000.00}. They were showing only a few payments made when in fact we have paid over {$3500.00} this year to a different collection agency. They accused me of lying because I couldnt provide the exact details over the phone. She then put her supervisor on the phone and his name was XXXX. He explained to me that this was the correct amount and nothing I said to him made him willing to open a dispute. He refused to send us any documents they have showing the balance and payments and wanted me to provide proof right then and there that we had paid more on the account. He also threatened us with legal action if we didnt pay {$5000.00} today. We arent in a position to do that and offered to pay {$200.00} over the next few months until XXXX when we could pay the loan off. He refused to entertain that notion and instructed me that I could not call the orig ial creditor for this account anymore. He was verbally abusive and threatening and tried collecting an incorrect amount under duress. We have bank statements showing what we have paid and the account should be around {$6500.00}. They have called my sons hundreds of times and threatened him to be arrested if he didnt pay and they have called my husbands phone 100s of times while he is at work. No amount of telling them to stop will work and when you do they threaten you with arrest or legal action.

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 2023-05-01
Company: EQUIFAX, INC.
State: AL
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 reached out the the credit bureaus in regards to a violation of section 623 ( a ) ( 3 ) for failure to enter notice of dispute for XXXX XXXX  XXXX. I sent a letter to XXXX, Equifax, and XXXX on the XXXX of XXXX. I've disputed this account numerous times in the past 120 days and to my shocking disbelief all parties in this matter have failed to update my credit profile and stated bye law. I would like for all inaccuracies and violations to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX is reporting inaccurate information about an account with XXXX XXXX XXXX. The account was reporting correctly as " INCLUDED IN XXXX XXXX XXXXISCHARGE ''. 

Now reporting " SERIOUSLY IS DUE with a balance ''. 

This collection accountvwas discharged in my XXXX XXXX discharge and transition knows it. See enclosed documents proving the changed 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 non-monetary relief
Consumer complaint received 2022-06-11
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:
The loan was established in XXXX a Charge card and the charge off is dated for the year of XXXX, which is not true and has been reported to all credit bureaus to remain on my credit report. In addition, payments towards this amount to have been made by me in XXXX, which I did not make. All these dates and information regarding this charge off is inaccurate, thus to not acknowledge the statue of limitation and to have it removed from my credit report according to FDCPA, which should have been years ago. I believe these dates are fabricated in order to prolong for my credit to remain in a low standing and to avoid the statue of limitation not to take effect. I have endured many years of unemployment due to sickness/injuries and other unforeseen circumstances to include the Pandemic as we all faced, which caused a financial hardship over the years and had hope to pay this debt but could not. Thereby, I did not receiving any information regarding a Charge-off ( 1099A ) or letters or knowledge of payments made by me when I was unemployed, all to continue to have this negative charge on my credit report. I ask for help to please rectify this deliberate error, for this is causing my name to be tarnished unfairly.

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 2018-08-28
Company: Security National Automotive Acceptance
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Starting on or around XX/XX/2013 I started receiving harassing and threating phone calls and texts on XXXX from XXXX XXXX who works for XXXX XXXX XXXX. Prior to I never had a missed payment but I had traded in my XXXX XXXX XXXX which had been paid off by XXXX XXXX XXXX XXXX. I receieved email confirmation that XXXX  again had paid off the XXXX but someone XXXX XXXX after recovering payments on the vehicle still requested payments for the XXXX. Was told by XXXX XXXX XXXX XXXX backed out on the loan and wanted their check back. XXXX not only found me on social media but was stalking me on XXXX and everything else for 1 payment. All due to a trade in mishap. I eventually blocked XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2023, I was notified by USAA that there was a fraud attempt on my checking account that included a XXXX transaction for the amount of {$5000.00}. I communicated to USAA that I had no knowledge of that transaction and it was flagged and stopped. On XX/XX/2023, I was again notified that there was an attempt to purchase over {$500.00} with XXXX XXXX and again it was not me so the charged was not processed. The fraud department prompted me to change my password. They also informed me that there XXXX other IP addresses signed into my account out of XXXX XXXX and the name XXXX XXXX was associated. I have no contacts in XXXX XXXX nor have I ever been there and I explained that. 
On XX/XX/2023, I checked my checking account to discover {$5000.00} transferred out of my checking account at approximately XXXX XXXX. I immediately contacted USAA and was assured that the fraud department would be notified immediately. 
On XX/XX/2023, I contacted USAA to get a status update on the fraud and I was told that the only resolution offered was discontinuing my banking services. I was informed at this time that the transfer was to another USAA account. I have no knowledge of this account, it was not created by me and neither was the transfer. I would assume that USAA can see whos account it is as an individual can not open an account without social security number, birthday, etc. 
I would like to add that I am a XXXX XXXX  on a fixed income and that was my only income for the month. My banking credentials were NOT given to anyone on my end. I would like to add that I have banked with USAA for 18 years without incident. 
Another detail I will include is that USAA security was compromised in XX/XX/2023 by a XXXX in which XXXX peoples information was unsecure. I cant say if this is directly related but I do know that I did NOT approve this transfer and it was fraudulent. 
I just want my money returned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: Colony Brands, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
my credit report indicates this account was open on or around  XXXX   XXXX  ,2011 at an  address I never resided at. I 've disputed this account with the  XXXX  credit bureaus on several occasions as a fraudulent account. They 're stating the response from this compan y (   XXXX   ) i s verified as mine. How are they verifiying this account? I do n't have or nor have I been sent any thing verifying this fraudulent debt as mine. I do believe my ex husband 's girlfriend may have gotten this account

Company response to consumer: Untimely response
Consumer complaint received 2023-10-06
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I've emailed on XX/XX/XXXX because I had a surplus on my loan. I wanted XXXX XXXX to send the surplus back so I was not charged interest for that portion of the loan. I got a strange email back on XXXX that had nothing to do with my question. I emailed again on XXXX to let them know that was not my question and asked again. I received an automated " thank you for your email but we are receiving an unprecedented amount of emails ... '' email back. On XXXX, they sent me another strange email about forbearance which had nothing to do with my question and I am not in forbearance. On XX/XX/XXXX, I emailed again after trying to chat with their " live chat '' which is an automated bot that is not helpful. I got the automated emailed. Today, on XXXX, I tried to call them, currently, I have been on hold for 2 hours and 24 minutes with no human being anywhere in sight. I tried to email again but the email is a no reply email address. There should be laws to protect borrowers from this type of treatment. It should not be this hard to get information on my loan. This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: WELLS FARGO & COMPANY
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I made payments of XXXX dollars for four months in a row on our vehicle starting XX/XX/2021. On month 5 I paid the XXXX dollar payment only For it to be rejected and returned by Wells Fargo. When we called to attempt to find out why, they stated they no longer are banking with us and there was nothing we could do aside from either do a will full repossession or sell our car. We were not at fault and have all the payment history to prove it. We never received an electronic disclosure or letter stating why they stopped banking with us and never once received a letter. The bank stated that they could decide to not continue with the car loan at any time during the 7 year loan. They have not repossessed the vehicle and they wont agree to pick up the vehicle but wont accept a payment for the vehicle. I can not trade it in, as I was charged triple the value of the vehicle.

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 2021-04-12
Company: JPMORGAN CHASE & CO.
State: IL
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: Card was charged for something you did not purchase with the card

Complaint:
I did not recognzied this chase collection account until XXXX 2020. Account opened without my permission, I have no knowledge of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17
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: 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 : {$11000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17
Company: EQUIFAX, INC.
State: CT
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've been getting denied for housing and employment. I decided to finally decided to sign up with a credit report and monitoring service. Thats when i seen a bunch of addresses, a name, accounts, collections, inquiries and many other inaccurate items on my reports.I then received a fraud alert to that my personal information has been compromised and has been found on the dark web. Its been found in a EQUIFAX DATA BREACH and other data breaches. I didnt understand what that is so I went on a few consumer law attorneys websites and they said that the law says that its credit reporting agencies duty to report only 100 % accurate information, or they can be held accountable. I sent one a copy of my report and they said WOW this is horrible. My report is filled with inaccuracies and accounts that are not mine. They then pointed me to this website because this is a bad situation for me and my kids. We can not find housing and I am running out of time and this is holding me back from moving and getting my family into a better life.Ive also filed a report with FTC I dont understand how this is happening My reports are very inaccurate The only name that should be on my report is XXXX XXXX XXXX The only address should be XXXX XXXX XXXX XXXX, CT XXXX. Also I didnt give any of these companies permission to pull my credit report. I didn't make the inquiries thats shown. XXXX XXXXXXXX XXXX XXXX XXXX US DEPARTMENT OF EDU, XXXX XXXX XXXX XXXX These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX There are also accounts in collections that i dont recognize. I've never had an account with any of these companies and they are reporting false information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief