BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: LA
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:
I can not see my credit report or any updated information on myequifax. Believe my profile is split, and needs to be cleaned of soft inquires. Called and agent said tech support was to work on it, but have not recieved word that they have. Error code BLNK, is what is given on login to page. Need my credit profile to show accurate and up to date score, not from 2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
ON XX/XX/2023 There were 12 unauthorized Hard inquires reported on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please remove in accordance with 15 USC 1681.

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 2022-04-16
Company: Thaxton Investment Corporation
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This fraudulent / erroneous entry is defamatory and both willfully & negligently non-compliant pursuant to 15 U.S.C. 1681i ( a ), 1681o, 1681n, and XXXX v. XXXX XXXX, 987 F.2d 288 ( 5th Cir. XXXX  ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance Owed : {$3400.00} XXXX XXXX XXXX Balance Owed : {$3400.00} XXXX XXXX XXXXXXXX Balance Owed : {$870.00} XXXX XXXX XXXX Balance Owed : {$3200.00}

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 2021-12-17
Company: JPMORGAN CHASE & CO.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
I pre-purchased the car at XXXX XXXX XXXX on XX/XX/2021 and my signed my portion of the documents that day. My cosigner came to the dealership on XX/XX/2021 or XX/XX/2021 to complete their portion of the finance documents. My cosigner was first given someone else 's finance documents to sign then when realizing the issue, they notified the finance person working with them. The correct documents then were signed, and no copy of the finance documents were given to the cosigner. I went to pick-up the car around XX/XX/2021 when it was delivered to the dealership. I only received a one-page document for the registration for the car. I asked for my copy of the finance documents and was told they sent a copy with my cosigner. I left the dealership and contacted my cosigner who confirmed not receiving the documents. I've myself called requesting a copy when I started to get letters wanting to extend my warranty from the same company, I purchased warranty from when financing my car. My cosigner has also called requesting the documents and the person in the finance department was rude and pretty much told us we missed placed them. I made sure they had correct mailing address for cosigner and myself, and I still have not received a copy of my finance documents. I want a copy of my documents to confirm everything is correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This Collection Agency continues to report an account on my credit report even though it have not establish that I owe this debt.It have continued to ignore my compliance letters, For the record I have never had an account or a contract with this Agency, Therefore Im requesting that they remove any negative accounts they have in their offices from all of my credit reports,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
My name is XXXX XXXX and I have new and updated information regarding XXXX XXXX failure to comply with the FCRA. 

XX/XX/2021 I filed a cfpb complaint against XXXX XXXX as they alleged an inquiry appearing on my credit file came from myself the consumer. Ive explained it was not me and XXXX XXXX confirmed as well as stated they would have it removed over a year ago. This inquiry has still been reporting since then.

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 2021-07-23
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX and XX/XX/2021 two checks totaling {$100000.00} were cashed using my account information. On XX/XX/XXXX I noticed the XXXXwo cashed checks on my account and immediately called Wells Fargo to inform them that they were fraudulent. My home address and phone number was also changed on my online account. I informed Wells Fargo that I have never had checks with them and that the checks didn't have my address on them. On XX/XX/XXXX I receive a letter saying they found the transactions were authorized without any explanation. When I called they were unable to provide me with any details on how they made their decision. I have never ordered or possessed checks for my Wells Fargo checking account and did not authorize either of these checks to be cashed on my account. 

My address is XXXX XXXX XXXX XXXX NC XXXX The address on the checks is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC 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 explanation
Consumer complaint received 2020-02-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Ive been dealing with Capital One for more than a few years and the situation that Im currently in has never happened to me before .I am a victim of a very foul play action from someone that acted as if they were a part of the company that I applied to. Searching for jobs on XXXX  I applied to a company named XXXX XXXX XXXX, for a XXXX XXXX position the person name is XXXX XXXX starting XX/XX/2020 we started talking about the job and certain requirements that I would need and interviewing me to see if I fit certain criterias two weeks straight talking to this company everything seemed fine and OK until I was send a check to my home address of {$5900.00} this fund was to purchase equipment and other materials for the job since I was working for XXXX XXXX I was highly convinced and in need of some type of employment that everything seems OK. Once I receive the check and was able to deposit it on XX/XX/2020 the false employer was acting very sketchy and I begin to get suspicious and did further investigations on my own that I regret that I hadnt done before I submitted this check on XX/XX/2020 I confirmed with the actual company called XXXX that this was my situation and XXXX ( president ) of the company verified that this person was not a part of their department it was nothing but a scam and wanted me to break all ties. The person that goes by XXXX XXXX has been pretending to be apart of the company and other companies. However I contacted Capital One I couldnt do anything over the weekend because they were closed so first thing Monday, XX/XX/2020 I contacted customer service to report this issue and to figure out if I can get rid of the funds and close and change my account. In result talking to different departments they came to the conclusion not to affiliate with me anymore I feel like this is very unjust and unfair for me because I am technically the victim I have never in my life experience anything like this I never intentionally wanted to mess up anything that interfered with my financial status I called different departments talk to supervisors and nothing but the same response Im trying to figure out if theres anything else that I can do to maintain my account ive tried doing everything I thought me reporting this to Capital one will reassure me however it didnt. Being a XXXX  and trying to make ends meet this was the least of my expectations and I dont know what to do capital one is the only bank I trust and location wise easiest to navigate to and manage nothing much to complain about their services just want them to understand my situation and help me understand how to move forward

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: Exeter Finance Corp.
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I XXXX XXXX, got a vehicle back in XXXX XXXX at a dealership in XXXX, Arkansas, at dealership named XXXX XXXX and XXXX, where I got a vehicle from they where a fraud. My credit was ran about three different times with out my consent, that was after the fact we come to conclusion I had to get a co signer. My credit was still ran, I then proceeded to get a loan on vehicle, sign paper work and still had to pay a XXXX down payment and that I should insurance before I could even leave the lot. ( 15 USC 1662b ). I leave with the vehicle and the weather had dropped down by the time I've made it home and it started snowing. Over the next few days I did not get too drive the vehicle which, I would crank the vehicle and let it sit, each day I would hear a winning sound, I then let the dealer know the problem I was having, Well the dealer inform me to bring the vehicle back. I took vehicle back and they looked at the car for 5 minutes and told me nothing was wrong, so i decided to take vehicle back, I told them I wanted to trade for a truck I seen, had to go back the same process as following, where my credit was ran again, don't know why, where they knew from the time before told me credit wasn't enough. My complaint is that they broke the laws, ( 15 us code 1635 ) ( 15 usc 1605 ) ( 15 usc 1662 ) ( usc 60802 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My wife fell sick in middle of  XXXX  this year. Doctors put her off work indefinitely to treat the cause of her sickness. Me and my wife are sole earners and we both contribute to pay for our mortgage. We contacted our mortgage company and informed them we will only be able to pay half of  XXXX  's payment.   We explained our hardship to the company and they suggested to apply for loan modification. We agreed and we were instructed to submit the paper work. It took whole month of  XXXX  to complete the required documentation. We were only able to pay half of  XXXX  month 's payment.   We were told it would take  30-45 days  to process the modification.   We got a letter from the mortgage company last week dated  XXXX   XXXX ,  2017 that  modification was declined because default not imminent / default status not eligible.   The reasons gi ven : 1 )  We are current on our mortgage ... .Where as we are {$5300.00} behind as  XXXX  statement.    2 )  Financial hardship not documented that reduced income ... .my wife gets paid less than half of regular wages from  XXXX  insurance.     3 ) We have sufficient net income to pay current mortgage ... ..We submitted our income and expenses report which showed our total expenses could not meet the income.
4 )   We have enough cash reserve ... ..We stated in the income report that we have less than {$500.00} cash in the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
I am writing to express my deep frustration and dissatisfaction with the manner in which your bureau has handled my identity theft disputes. Despite my repeated efforts to resolve this matter, I have encountered a frustrating lack of responsiveness and action on your part. As a victim of identity theft, I have faced numerous challenges, both financial and emotional, due to unauthorized accounts and transactions that have appeared on my credit report. I promptly reported these fraudulent activities to your bureau and submitted all the necessary documentation and detailed explanations to support my claims and establish my innocence. What compounds my frustration and disappointment is the apparent failure of the bureau to acknowledge the seriousness of my situation. Despite providing substantial evidence of identity theft, it appears that my case has either been overlooked or deemed insignificant. This has left me feeling disregarded and powerless in a matter that has profoundly impacted my life. PLEASE DELETE THE ACCOUNT BELOW : 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 2023-01-07
Company: LJ Ross Associates
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX I noticed an ATM withdrawl on my checking account that I did not make. I called PNC immediately to report it. They issued a " provisional refund '' for the amount of {$73.00}, {$70.00} for the withdrawl an {$3.00} for a service fee because it was not withdrawn from an ATM belonging to PNC. I gave them all the information that they requested. They determined, with no actual investigation, that the transaction was legitimate. It was not. 
They took the {$73.00} back out of my account. They admitted to not investigating thoroughly. I filed a police report a few days later. That is ongoing. The bank, after many phone calls to complain to them, agreed to file another dispute. Once again, they did not investigate. I received a letter on XXXX stating that they have concluded, with no actual investigation, that it is a legitimate transaction. They refuse to request the video from the ATM. They have succeeded in helping a criminal steal money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-09-12
Company: EQUIFAX, INC.
State: TX
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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
ATTENTION DISPUTE DEPARTMENT XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX IN RESPONSE TO CFPB : XXXX Dear XXXX : On XX/XX/XXXX, I have wrote several letter of dispute I have been ignoring and the proper protocol was not used to determine my dispute reason permitted by law I had not heard any specific actions taken to reverify the items I had identified as inaccurate or incomplete in my credit report. 
Items : XXXX XXXX  XXXX Closed : XX/XX/XXXX XXXX {$11000.00} Closed XXXX CARD Closed : XX/XX/XXXX {$0.00} Closed Since you have not given me names or persons you contacted for reverification of the information, nor have you complied within a reasonable time to my request for reverification, I assume that you have not been able to reverify the information I have disputed. Therefore, you must comply with the provision of the Fair Credit Reporting Act, Section 611, and drop the disputed items from my credit report. 
Now when someone identity is compromise a credit or data furnisher should do a property dispute to verify the account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  your company is required by Federal law to verify - through the physical verification of the original signed certified Consumer contract - of any and all accounts you request to be posted and or reported on a credit report I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from my credit reports. I demand the account be verified or removed immediately! 
If I do not receive an updated copy of my credit report, with the disputed items dropped, my attorney will pursue my legal rights under Section 616 of the Fair Credit Reporting Act, Civil liability for willful noncompliance. Your credit bureau may be liable for : 1 ) any actual damages I sustain by you failure to delete the item ; 2 ) punitive damages as the court may allow ; and 3 ) costs of  the court action, plus attorneys fees. 
I have forwarded a copy of this letter to the Federal Trade Commission.

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 2021-12-17
Company: I.C. System, 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:
On XX/XX/2021 I received an alert from XXXX that I.C. System has flagged my account as a Collection. I then sent a dispute to verify the accuracy of this account. On XX/XX/2021 I received an alert from XXXX that my dispute was submitted ( way after the 30 day mark ). I then received an update on XX/XX/2021 that my dispute was closed and that the account was verified. I then asked for a reinvestigation and a notice received that they will not reinvestigate with no explanation at all. I have sent several disputes including copies of the dispute letters that I sent the Collection Agency who has not to this day Validated this account. I am not sure how they verified the account when the creditor will not respond to me. I have sent 4 certified letters to I.C. Systems and even the last one was notarized. I still have not received validation of this account but they are still reporting on my 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 explanation