BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: NJ
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 investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 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 2022-11-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
An XXXX XXXX XXXX credit card with a {$12000.00} limit was opened with Bank of America in my name. I received an email from Bank of America confirming the application had been approved and the card would be received within XXXX business days.

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 2021-08-09
Company: Lending Club Corp
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I am having a very difficult time making payments online for this loan provider. They make it extremely difficult to turn off auto-pay to allow me to pay whenever I want, instead of a fixed day. This can only be done by calling in and it took me 3 times before they actually turned it off, I was even charged twice one month when I attempted to pay on my own over the phone a week before my due date. If I want to pay online, the same problem happened until the third time it finally stopped auto-deducting from my account. To pay extra each month, which is what I prefer to do, I have to first make my monthly payment and then navigate back through the flow again in order to chooce a principle amount and make a second payment for anything extra I want to pay. Just today, what prompted my rage to actually lookup how to file a complaint and file one, is when I got this message attempting to make this months online payment. It said " We're unable to schedule payments online between XXXX XXXX  and XXXX XXXX ( Pacific Time ) daily. Please come back later to make a payment ''. So I am now fed up with this lender as they are the most difficult lender I have dealt with to make payments. I am almost ready to take out a loan with another lender just to pay this one off and leave this company for good.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX, I sent out certified mail letters to each Credit Reporting Agencies regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and verified everything as accurate. 

1. The creditor never sent me a post-repossession notice which was supposed to provide me with the amount due, where to pay, and where to get my vehicle back. I was told that I have no right to reinstate which is a violation of state law. 
XXXX XXXXXXXX XXXX Account Number : XXXX If you can not prove that this account is being reported accurately, then delete it 2. I am disputing this account for inaccurate information because this account has been re-aged. 
You are reporting the date of last activity as XX/XX/XXXX while XXXX is reporting XX/XX/XXXX. 
This is a clear 2-year difference. This is a violation in reporting need I remind you this falsely manipulates the statutes of limitation on when this account is supposed to fall off. 
XXXX Account Number : XXXX Please Submit onto XXXX form and please Delete under section 1681s ( 2 ) ( b ) They have failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ).

I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). They have 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. Please delete these items from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Experian Information Solutions Inc.
State: NY
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:
On XX/XX/XXXX, a company XXXX made a hard pull on my credit. Their information was provided as such : XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Apparently someone was trying to rent housing in XXXX Using my information. I have never contacted this company in regards to obtaining financing. When I attempted to contact them, I was not able to speak with a rep. 

Two other previous dates, there were hard inquires for Renting. Iv owned my own home since XX/XX/XXXX. 

One was a resident verifiy XX/XX/XXXX, the other was XX/XX/XXXX by the same company.

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 2021-08-08
Company: Genesis FS Card Services, Inc.
State: PA
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 PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 TransUnion credit bureaus must validate these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following inquiries need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX Inquired on XX/XX/XXXXXXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on 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 explanation
Consumer complaint received 2023-07-05
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: Personal information incorrect

Complaint:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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 2023-11-01
Company: WELLS FARGO & COMPANY
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Wells Fargo Bank NA sent me a application for arbitration I filled it out and set it in. 
They have failed to contact me and I need them to do that. The CPI charges and repossision of my Truck was In violation of the Cobb law in my state MN. They have been most unfair in settling with me and I am about ready to head to legal aid and have them deal with this.

One last chance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: LEXISNEXIS
State: IL
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:
My information is being traffic! YOUR FAILURE TO SEND MY CONSUMER REPORT AND ADD A SECURITY FREEZE has caused companies to now take my likeness, my personal, non-public information and assembling a consumer report that is supposed to reflect who I am all without my consent, all without my authority so now present I am unable to get credit cards, home loans, and suitable employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
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: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2023-05-05
Company: Experian Information Solutions Inc.
State: NJ
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:
I received a alert from XXXX XXXX that these to account XXXX XXXX XXXXXXXX & also XXXX XXXX XXXX was added to my report when I did not give authorization for them to do so nor is the debt mines! And they won't remove it an I would like for these to items be removed asap nor is the debt reporting the same major discrepancy!!

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 2023-01-25
Company: Kelsting Group, 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: Account information incorrect

Complaint:
Pacific Credit Collection is claiming that I owe {$3900.00} for a disputed bill with a veterinarian located in XXXX, CA. This is unfairly affecting my credit score. Because the transaction was verbal, apparently, I have no proof that what I am disputing is correct. We verbally authorized XXXX XXXX on our Pug, and the Vet performed an additonal XXXX without our consent, which ended up killing our dog. Now, 8 years later, they have put it on our credit report and there is no recourse for me. How is the possible? Please help. 
Thank you, XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27
Company: 21ST MORTGAGE CORP.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Complaint to whom it may concern : Date XX/XX/2022 - I visited XXXX XXXX to buy a manufacturing home in XXXX XXXX My fianc and I picked a home that we wanted and put a {$1000.00} down payment to hold it until finance approval. We were approved on XX/XX/2022 by XXXX Mortgage ( see attached ) We were approved at that time at 8.5 % interest ( see attached ). And on XX/XX/2022 I get another approval notice and the interest rate was the same 8.5 % ( see Attached ). 
And then on XX/XX/2022 I get another approval notice with the same interest 8.5 % ( see attached ). And then on XX/XX/2022 I get yet another approval notice still at 8.5 % ( see attached ). And then on XX/XX/2022 I get a Denial Notice for some reasons listed ( see 2 pages attached ) And then on XX/XX/2022 I get an updated approval notice with some conditions! It states that I must pay additional {$1900.00} for total of {$2900.00} ( see attached page # 2 ) {$1000.00} for the down payment and the addition of {$1900.00} But as you can see the interest went up to 10.00 %. I called and spoke with the listed people and they said that the interest went up! It's my understanding is that you have 60 days to work on this loan! I feel like they denied me right before they went up on the interest rates, and then turned around and stated that everything is ok now BUT its now at 10.00 % rate. They will NOT give me the 8.5 % interest like from the beginning. 
I feel this is a unfair practice and I do not agree with this at all! Thank you Help ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
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: Account status incorrect

Complaint:
XXXX/XXXX. XXXX is incorrectly reporting me delinquent on my account when I am on a forbearance. They have damaged my credit. I have tried in every way possible to come up with a solution for them to have this removed for now and now they dont wan na work with me because of my credit. I need help with this. All three credit bureaus are impacted due to XXXX reporting this

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 2022-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX IL XXXX XXXX XXXXXXXX XXXX  XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX  XXXX Balance {$0.00XXXX XXXX XXXX XXXX {$7100.00} XXXX XXXXXXXX Balance {$10000.00}

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 2022-11-02
Company: Experian Information Solutions Inc.
State: DC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 explanation
Consumer complaint received 2022-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section : It also says states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2020-09-26
Company: EQUIFAX, 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 sent multiple rounds of disputes to the creditor XXXX  XXXX and also to the 3 bureaus Equifax, XXXX, and XXXX  with little resolution about my identity theft situation. 

The bureaus keep sending me letters saying they are showing XXXX XXXX account as accurate and arent removing the fraudulent inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
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:
Dear XXXX, I hope this letter finds you well. I am writing again to bring to your attention the presence of inaccurate information on my credit report related to my account with XXXX. I kindly request your assistance in rectifying these errors promptly. My Account with you has been consolidated in 2021, why are you still reporting inaccurate information below? A wrong name, wrong address, and wrong account? 

1. DEPT OF EDUCATION/XXXX  : XXXX  Paid, Closed.

2. DEPT OF EDUCATION/XXXX  : XXXX  Paid, Closed.

3. DEPT OF EDUCATION/XXXX  : XXXX  Paid, Closed.

4. DEPT OF EDUCATION/XXXX  : XXXX  Paid, Closed.

5. DEPT OF EDUCATION/XXXX  : XXXX  Paid, Closed.

6. DEPT OF EDUCATION/XXXX  : XXXX  Paid, Closed.

7. DEPT OF EDUCATION/XXXX  : XXXX  Paid, Closed.

8. DEPT OF EDUCATION/XXXX  : XXXX  Paid, Closed.

9. DEPT OF EDUCATION/XXXX  : XXXX  Paid, Closed.

10. DEPT OF EDUCATION/XXXX  : XXXX  Paid, Closed.

11. DEPT OF EDUCATION/XXXX  : XXXX  Paid, Closed.

12. DEPT OF EDUCATION/XXXX  : XXXX  Paid, Closed. 

I have taken the necessary steps to ensure the accuracy of my records, including reviewing my payment history and corresponding account statements. Based on my findings, I believe the information reported is incorrect and should be rectified, and removed. 

I kindly request that you investigate these discrepancies and take appropriate action to update my credit report accordingly. I understand the importance of accurate credit reporting and its impact on my financial well-being. 

I kindly ask for your prompt attention to this matter. Please provide me with a written confirmation once the necessary adjustments have been made to my credit report. Should you require any additional documentation or information, please do not hesitate to contact me at XXXX XXXX XXXX or XXXX. 

Thank you for your cooperation and prompt resolution of this issue. I appreciate your attention to this matter and look forward to a favorable outcome. 

Sincerely, 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