BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-10
Company: Experian Information Solutions Inc.
State: MA
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:
We are getting closer to a resolution. 
Experian finally acknowledges that the department of education XXXX XXXX XXXX is a collection account. 
The remaining issue is the first date of delinquency was in XXXX and was transferred to the collection agency in XXXX. They did not report till XXXX. Reminder the clock does not reset when sold or transferred. 
Proof on page two of response from the department of education to Congressman XXXX XXXX that became delinquent much earlier than reported. 
I have other correspondence as well if this is not sufficient but this is was an official statement. 
Note items had been removed from the other credit bureaus.

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 2023-01-06
Company: EQUIFAX, INC.
State: IL
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 XXXX XXXX account # XXXX, XXXX XXXX XXXX account # 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Receivables Performance Management, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022, I submitted a letter to verify a debt but never received a response from the collection agency. So far, its been pass 30 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 explanation
Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
State: CA
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:
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 2023-11-29
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit 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 am on my fourth attempt to received copies of the evidence the Goldman Sachs allegedly used to decide a credit card dispute against me, and now I have evidence that Goldman Sachs didn't collect any evidence from merchant. 

I started a {$370.00} Apple Card dispute with Goldman Sachs on XX/XX/XXXX after having several billing issues with an airline. The dispute was opened on that date and all of my supporting documents with clear evidence of the airline 's failure to provide the services charged were submitted to Goldman Sachs the same day they were requested on XX/XX/XXXX. Then, on XX/XX/XXXX, I received an email from Goldman Sachs stating that : " Goldman Sachs Bank USA has investigated your transaction dispute and found that no billing error occurred for the following reason : -The evidence received confirms that the travel was completed for your flight purchase ''. 

Surprised at this outcome, that same day I contacted Apple Card and Goldman Sachs to request copies of the evidence that was collected in their investigation and that was submitted the merchant airline. I was told that the evidence would be send via physical mail within 7 days. That same day I received a copy of all emails sent by Goldman Sachs regarding this dispute. 

I didn't receive any documents by XX/XX/XXXX, so I contacted Apple Card and Goldman Sachs again. This time, the Apple Card Specialist stated that the documents containing the evidence used for their decision were sent via email the same day. They were not. Giving them the benefit of the doubt, I again requested copies of the evidence and made it very clear that I wanted it delivered both via email and physical mail. I was again told the documents should arrive within 7 days. 

By XX/XX/XXXX, no documents had arrived via either method, so I again contacted Apple Card and Goldman Sachs. The first specialists that I was put in touch with said that there was no evidence submitted by merchant in her system.Immediately after saying this, she transferred me to another agent. The second agent then said I had no right to request evidence. After explaining to them how the law ( 15 U.S. Code 1666 ) gave me the right to request evidence, I was suddenly transferred to a third agent. The third agent said that they'd be happy to send the evidence within 7 days. 

It has been almost a month since then and I have yet to receive any evidence. My calls are now spending over an hour without being picked up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: EQUIFAX, INC.
State: TX
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 profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: HUNTINGTON NATIONAL BANK, THE
State: OR
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I requested to withdraw funds for the first time from my IRA with Huntington Bank on XX/XX/23. ( This account was originally a retirement account with an employer that I no longer work for. It was rolled over into an IRA when I left that employer and later the bank it was rolled over into was bought by Huntington Bank. ) Huntington bank representative informed me that I have to come into a branch in person to withdraw funds. I live in Oregon, the nearest branch to me is in Colorado. When I was seeking further assistance on this issue with a Huntington Bank representative, they ended the online chat we were using to communicate after I told them I would not be coming in person to a branch and there needed to be another way to get funds from the account. I still have not been able to withdraw money from the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28
Company: LEXISNEXIS
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have tried numerous times contacting Lexis Nexis to provide verification of any such bankruptcy. And was told numerous times to contact XXXX, who in turn placed me back to Lexis Nexis. A representative at Lexis Nexis continues to state again that I need to contact XXXX again. Lexis Nexis has continued to fail in providing verification of such record. I requested Lexis Nexis if they are not able to provide any sort of paperwork and verification, that I requested to have the information deleted from my file, which they did not do. And that I would be filing a CFPB, FTC, and State Attorney Generals complaint as well as leaving an unfavorable XXXX review.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have noticed a lot of inquires on my credit report. All these inquires were not authorized by me. I have no idea where these came from. I have contacted equifax and they refuse to remove my inquires, despite the laws. I have no knowledge and they have shown me no proof that these inquires belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: VA
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting 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:
Several Hard Pulls on my credit I don ' t recognize. 
Wrong address 's Called XXXX and informed a couple years ago they put a statement on my report and more hard pull enquires still being done.

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 2023-03-09
Company: Experian Information Solutions Inc.
State: MS
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Experian CREDIT BUREAU is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX Balance : {$22000.00} ; XXXXXXXX XXXX XXXX XXXX  Balance : {$0.00}.

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 2018-03-14
Company: EQUIFAX, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
My husband and I mailed an investigation request to the credit bureaus on XX/XX/XXXX. They are supposed to respond within 30 days, but haven't received the results yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Deficiency balance after repossession

Complaint:
I sent a request Surplus / Deficiency Letter through first class mail and sent a 1099-C request letter on XX/XX/2023 and XX/XX/2023 to TD Auto Finance. I mailed the letters to the address they have provided the credit bureaus and on their website XXXX XXXX XXXX XXXX XXXX, MI XXXX. I have yet to receive a response from them. They are reporting XXXX different balance to XXXX and XXXX which is not correct. This is truly detrimental to my credit and finances. I have been disputing with XXXX and XXXX to investigate inaccurate information on TD Auto Finance on my credit report yet they have failed to do so under my FCRA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: MA
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 XXXX, I contacted Experian about the following incorrect information on my credit report. To this date they have not responded. 

I am writing to request that your bureau verifies the accuracy of the XXXX XXXX XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$4000.00} ) account that you have reported on my credit report. I am unsure of the accuracy of the balance of {$4000.00} that you report for this account because I don't recall owing such a high amount. Your agency presented this account as closed and charged-off, so the past due amount is not supposed to be provided for this account. I intend to clarify this matter with the creditor. In the meantime, I request that you mark this account as disputed, so that it won't have any further negative impact on my credit score. Additionally, I would appreciate it if you could verify the Date Opened, Date of Status, and First Reported for this account.

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 2022-04-10
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account XXXX 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 2023-10-18
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have tried several time to have the information on this account be updated. I am not disputing the fact that the XXXX XXXXXXXX XXXX account does not belong to me. I am disputing the fact that it is reporting as delinquent. The account was paid in full and the remarks on the account is reporting as charge off the account should report as paid in full also it is reporting a high balance of {$360.00} this is also incorrect, the account is also reporting transferred/sold this is incorrect.

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 2023-03-01
Company: ACIMA CREDIT, LLC
State: PA
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 have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: Transfinancial Companies, Inc
State: LA
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:
Transfinancial has ruined my life. Ive been reaching out to them for months. They keep reporting the same medical bill on my credit report twice. Same date same amount, I have proof.they are violating 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 non-monetary relief
Consumer complaint received 2023-03-09
Company: Experian Information Solutions Inc.
State: TX
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : 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 2023-01-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I tried to apply for a loan modification and tried to get all the papers in that I needed to on the required dates but I was denied by wells fargo and they foreclosed on my home and took all my land away from me. I believe I am owed money for the settlement

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 2023-10-18
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My loans were completely forgiven through the IDR adjustment on XX/XX/XXXX. XXXX sent me a letter on this date to that effect, and both my XXXX and studentaid.gov accounts show a {$0.00} balance as of that date. 

I filed disputes with all three credit bureaus on XX/XX/XXXX, as I was not seeing any movement of the {$260000.00} balance on my credit report and I am trying to buy a home in the near future. 

However on XX/XX/XXXX, I received notices from all three credit bureaus saying that XXXX had affirmed the debt, the information had been verified, and my disputes were closed. 

I am dumbfounded. It has now been two months since my loans were forgiven, and theres no reason anyone at XXXX should be telling anyone anywhere that I owe them XXXX, much less {$260000.00}. How can it be legal for a representative of the government to lie on its behalf?

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 2023-03-01
Company: CREDIT ACCEPTANCE CORPORATION
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Credit acceptance is the company They are willingly knowingly violating my consumer credit transaction rights all charges are not included and they never disclose this with me at agreement remaining balance {$15000.00} agreement was established in XX/XX/2019 total of XXXX roughly.. Try calling them several times keep getting hung up on talk to a lady wants and she said she didnt know anything about my contract because she wasnt there.. They except truth in lending so I shouldnt have to pay a down payment and I paid a {$1500.00} down payment on XX/XX/2019 I was never told our disclose any of that information about the down payment

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