BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX : {$62000.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$890.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 2023-02-10
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: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/XXXXand still nothing from them. That means TransUnion has NOT complied with Fair Credit Reporting Act law and continued to report inaccurate information on my credit report.UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Original Creditor : XXXXXX/XX/XXXX ) XXXX XX/XX/XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXX/XX/XXXX XXXXXX/XX/XXXX ) XXXXXX/XX/XXXX ( Original Creditor : XXXX XXXXXX/XX/XXXX) XXXX XXXX XXXX ( Original Creditor XXXXXX/XX/XXXX XXXXXX/XX/XXXXXXXX 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 2022-01-31
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

SHELLPOINT XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: EQUIFAX, INC.
State: GA
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 several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To Whom It May Concern : I recently received a copy of my credit report and I noticed some accounts on my consumer report that should not be on there.

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.

So, with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I opened a dispute for Bank of America on XX/XX/2018 to offer purchase protection for a hotel reservation gone wrong. The letter that I sent them is attached, but it involves the hotel not able to provide another room after their vacuum cleaner exploded near the bed, causing me to have severe breathing issues. 

Bank of America pursued the dispute until a letter dated XXXX XXXX arrived on XXXX XXXX, requesting further information by the XXXX of XXXX. I faxed the information requested on the XXXX of XXXX ( proof of receipt is attached. ) Bank of America proceeded to send a letter dated XXXX XXXX, that I had not sent them the required information in time and closed the. This is incorrect and Bank of America refuses to reopen the dispute. 

I have attached all of the inquiries that I pursued with both the merchant and Bank of America as well as proof of receipt of a fax on 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 2023-05-15
Company: Experian Information Solutions Inc.
State: NJ
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 items and remove them immediately from my report : 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 2022-01-31
Company: EQUIFAX, INC.
State: VA
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXXand still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: Experian Information Solutions 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 Act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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 an account without my written instructions.

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 2022-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Act XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX has violated my rights. 

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 an account without my written instructions.

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 2021-01-22
Company: CAC Financial Corp
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The company promised to not report the debt to the credit bureaus if I paid it. I paid the debt XXXX years ago and they DID report it to the bureaus. I want it removed immediately! It is causing me issues obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2022-04-19
Company: PNC Bank N.A.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This started XX/XX/XXXX, unable to make my XXXX payment due {$290.00}, after talking to them the autobill pay would be stop and I would let them know when to resume. By the time the money was returned to me, I contacted them, since it was close to the next payment, I ask could I just pay XXXX and XXXX together, they said OK and stated to me there would not be a late charge or fee as long as it was paid by XX/XX/XXXX. So, on XX/XX/XXXX. I walk into the Bank and paid with cash. What was done when they processed the payment they took the first {$290.00} and applied {$190.00} interest, {$100.00} to principle, and the second payment of {$290.00} was all applied to interest. which is not correct. Note autopay had not been restarted as far as I knew. at that point they have XXXX payment total. So I notified my bank, show what was going on. they reversed the charge of {$290.00} to me. which made the account current and they would not get any more than they were supposed to. Before my next payment became due for XXXX I received a notice about and additional {$20.00} added to my account because a payment was reversed back to me from my bank. Which made my balance due for XXXX $ XXXXThey stated to me I did not verbally tell them to totally stop the auto-pay. I was also told that once I paying the {$290.00} plus the {$20.00} late fee, which total {$310.00} any other fee would be removed and I would be current I then can resume my regular payment. that did not happen Between XXXX and XXXX the fees were applied back to my account. I received phone call from their collection department. I put in several disputes where management I have been charged {$20.00} per month late fee totaling over {$120.00} up this point. after I constantly stated, '' Im not paying any late fee or extra fee on this account. I paying my regular car payment each month. Another collection agent XX/XX/XXXX told me to go into my branch have them put in a internal reversal of the {$590.00} and then applied it properly and remove all the fee. They did a reversal but the payment is not applied properly. ( that number is on the activity sheet dated XX/XX/XXXX. this is in their handwriting from the bank. Some of my payment disappeared you can see 2 months in a row on the account activity sheets. Last Wednesday I have been referred to their escalation department and spoke to and individual by the name of XXXX who stated to me that she request the fees to be removed and it would show almost immediately, that did not happen. Looking on their website Last payment paid on XX/XX/XXXX which is my XXXX payment and my payment due by XXXX XXXX is {$410.00}. I also made a complaint to the XXXX XXXX of XXXX XXXX for assistance, they have tried several time to contact them with no response back, I now referred to you for assistance, Thank You

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-04
Company: VW Credit
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
hello, I had a XXXX XXXX XXXX, the vehicle got bought back in 2017, its still on all 3 credit bureaus, I call several times, no response, like to get it removed to get a better credit score

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: SC
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:
An Inquiry from XXXX XXXXXXXX on my report is incorrect and I'm asking for an adjustment please ... thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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 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 2018-10-22
Company: Bread Financial 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:
XXXX XXXX-XXXX  secrets is being unreasonable. I had a major XXXX XXXX   on XX/XX/XXXX. The XXXX was not 100 % successful, it turned up to be a nightmare as I was in and out of hospital for several days after that due to complications. In the process, I was unable to work and suffered emotional stress and developed XXXX XXXX XXXXr and couldnt function mentally. 
My condition was so bad that I could not manage my finances for several days. As a matter of fact, I could not work during that period as I was recovering from XXXX complications. After I recovered, I maintained a perfect record ever since. Also keep in mind, if it were not the XXXX complications, this account would have never fallen behind As a loyal and grateful customer with this client, I sent them a letter explaining myself in detail on what had happened on XX/XX/XXXX with a request for them to remove the late payment history. I attached my letter with medical certificate as proof of my hospitalization but to my surprise, this company still keeps on reporting the late payment history even after it was clearly not my fault that I was late. For yet another time, please delete the late payment history of this account : Account # XXXX ; Date Opened XX/XX/XXXX ; Credit Limit {$5900.00} Attached herewith is the letter I sent to this company on XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15
Company: Experian Information Solutions Inc.
State: IN
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 want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report.

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 2022-12-05
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:
This is XXXX XXXX XXXX and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX Balance : {$27000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: OneMain Finance Corporation
State: NJ
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
One main financial keeps increasing a loan that was already discussed. The continue to have a collection agent contact me posing as an XXXX and threatening me with jail time. One agent called to try and settle the debit after garnishing my full unemployment payment causing my bank account to reflect a negative balance. I had to call and report them after a week they called stating I needed to pay them {$3500.00} on a {$1200.00} loan or they would legally seize my car and bank account. After I spoke with unemployment they were forced to return the money to my account and called me again asking me to pay {$3000.00} or a lawsuit would be filed. Days later they sent multiple emails and phone messages with different amount I need to pay each time increasing it saying they would add {$100.00} interest every week I didn't pay. After asking them to stop harassing me they have kept updating my credit report stating this was a new debt which it has been over 7 years so it remains on my credit report. Please help

Company response to consumer: Closed with explanation