BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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:
I appreciate the removal of some fraudulent items from my credit reports. However, I have identified that there were remaining fraudulent items persistently reporting, adversely affecting my credit standing and records. I am once again urging XXXX, XXXX, and TransUnion Credit Bureaus to remove the items listed in this complaint per bureau, as documented in my FTC report with reference # XXXX : -- -- -- -- -- -- XXXX : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX  Balance : {$50.00} XXXX XXXX XXXX XXXXXXXX Balance : {$7700.00} -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX  XXXX XXXX XXXX Balance : {$50.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$7700.00} XXXX XX/XX/XXXX  -- -- -- -- -- -- TRANSUNION : XXXX XXXX XXXXXXXX XXXX Balance : {$3800.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$7700.00} 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 non-monetary relief
Consumer complaint received 2023-08-03
Company: EQUIFAX, 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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX : {$18000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: EQUIFAX, 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX EQUIFAX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX EQUIFAX MORTGAGE SERVI XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 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 investigate the unverifiable items and update them immediately in my report : 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 non-monetary relief
Consumer complaint received 2023-02-16
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:
My name is XXXX 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 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 2023-08-12
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Commenity bank has been continuing to harrass me even after making payments. If I miss one day I begin to obtain 10 calls in one day consistantl harassing me with legal. From there after I pay off the minimum they continue to contact me with harrasing statements. Same situation occurs when I make the payments as stated and they contact me to only harrass me attempting to scare me into paying it off. I have begun to ignore there phone calls and I may change my phone number soon due to it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: EQUIFAX, INC.
State: CO
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:
2 Personal Loans from XXXX XXXX were recently paid off. The team @ XXXX XXXX indicated that they've provided updates to the ( 3 ) credit reporting agencies about the paid-off & closed account status ' however XXXX for example, has informed me that the status of my XXXX XXXX accounts will remain unchanged showing at least one account as open with a current balance as per the request from XXXX XXXX. 

Please see the attached email XXXX XXXX indicating that the accounts were paid in full and closed. I provided this information to the ( 3 ) credit reporting agencies.

The delay in updating my credit report showing a {$0.00} balance and closed account status is delaying my ability to complete the refinance of my mortgages since my credit report has incorrect information about the total amount of debt I currently have with the opened accounts. 

Account # : Loan 1 ending in # XXXX Loan 2 ending in # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
Company: Resurgent Capital Services L.P.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have paid the debt in full and was told it would be removed from my credit report. I have called the credit bureau and they said the collection company is LVNV Funding LLC. I paid the account off to Resurgent Capital Services on XX/XX/23 in the amount of {$1900.00}. When I called today XX/XX/23 to find out why LVNV Funding is still on my credit report I got a representative by the name of XXXX and they said they would even talk to me until I was verified. They wanted my SSN, address, and then a credit card. I gave them all that and then they told me they needed another card. I asked why and they said that they had to verify me. I said I have already given you all my information and one credit card. They then hung up on me. I called the number back and got the same XXXX and she said I had to pay to speak to her. I then said I wanted to speak to a supervisor. She said she couldnt unless I paid them money. She said she would only talk to me if I gave her more credit card information. When I call the number now it just keeps saying busy. The number I called I was given by XXXX bank of XXXX and they said I had to speak to them directly since my account has already been written off and sold to them. I am terrified now that it was a scam but why would XXXX give me a scam number?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: American First Finance, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
XX/XX/XXXX I opted to purchase a set of wheel and tires from XXXX  XXXX XXXX XXXX, located in XXXX, Ca using their finance services through American First Finance. I paid {$800.00} upfront on an invoice of {$22000.00}. The only documentation received was the receipt and work order, no written terms or conditions for the loan ; the salesperson stated I would be contacted with the details. I thought nothing of it since I planned on paying it off within the month. The purchase was to ensure my vehicle was properly functioning for a work related cross country trip, from California to Maryland, over 2 month duration. Upon my arrival to Maryland, I contacted my bank to establish automatic electronic payment, it was then I noticed one was already set-up to be paid to American First Finance. To ensure the details I called American First. I inquired if the amount would cover the entire amount and payoff in time, the technician assured me it would. I thought nothing further. In early XXXX I noticed the funds were still being withdrawn from my account, I wasn't alarmed at that point, I assumed I would be refunded the difference. At this juncture I paid {$1700.00} on a beginning balance of {$1400.00}. I contacted American First, again not alarmed because I believed I would received a refund of the {$260.00} that was overpaid ; when discussing with the American First representative stated that I owed them based on past due. How can this be?? It was then the actual interest rate was divulged, $ 140 %. I was aghast. I stopped payment with my bank. I attempted to rectify with American First on numerous occasions, with the same result that I owed them. The only issues rectified, I was told that all further customers using this vendor would receive the finance details upfront, unlike myself. After more attempts to rectify with American First along with complaints to the Better Business Bureau, I still have the demand for payment, now at over {$1700.00} and an unfavorable credit report. As a Contracting Officer for the federal government I am thoroughly familiar with terms and conditions along with compounded interest rates. As a consumer I would have never accepted this credit line knowing the details if provided upfront. I was also dismayed their representative deceived me by stating the electronic payment amount would suffice in paying off the loan within the required 100 days in order to avoid interest. I have attached the receipt and work order, the only documents provided me when making the purchase. I was finally provided the details of interest during the Spring of XXXX, almost 6 months after the purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
SEQUIUM ASSET SOLUTIONS at XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, GA XXXX Has been sending me collection notices in the amount of {$390.00}. I do not k now this company nor have I done business with this company also there is no contract with my signature for this " debt ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
There are some accounts on my credit file that I dont recognize. I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the account status, the account high balance nor to I recognize the late payments associated with these accounts. 
These accounts do not meet FCRA requirements. 

XXXX XXXX XXXX XXXX Account number XXXX Account type Credit card This account is reporting a 30 day late payment on XX/XX/XXXX but on XX/XX/XXXX it is being reported as current. This data is not accurate or reliable being that there is only 30 days in a month. 
Under 15 USC 1692g this does account does not meet FRCA and needs to be removed from my credit file. 

2.Account info Account name XXXX XXXX  XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Under 15 USC 1692g this does account does not meet FRCA and needs to be removed from my credit file. The data does not show when the last payment was made, it shows that a {$5.00} payment was made XX/XX/XXXX I requested proof of this but it was never provided. A proper investigation was never conducted. 

XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX The data does not show when the last payment was made, I requested proof of this but it was never provided. A proper investigation was never conducted. 
Under 15 USC 1692g this does account does not meet FRCA and needs to be removed from my credit file. 

XXXX XXXX Account number XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX The data does not show when any payment was made or the last payment and when this account became charge off, I requested proof of this as well as a 1099c form the creditor should have provided to me when the account status changed to Charged off but it was never provided. A proper investigation was never conducted.

Under 15 USC 1692g this does account does not meet FRCA and needs to be removed from my credit file.

Company response to consumer: In progress
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: NY
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:
XX/XX/2023, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-14
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Today alone Comenity Bank has called me at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is XXXX. They have some time to get more calls in. 

XX/XX/XXXX they called 7 times. 
XX/XX/XXXX they called 8 times. 
XX/XX/XXXX they called 4 times. 
XX/XX/XXXX they called 8 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I drafted a notarized affidavit of truth outlining the various violations and that of the federal law of 15 U.S. Code 1605 and 15 U.S. Code 1692 and 15 U.S. Code 1681b. I sent this notarized affidavit of truth on XX/XX/2021 via priority mail and I respectfully requested a notarized affidavit from a senior executive notarized by that senior executive confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not have come in the form of a letter response as an affidavit of truth can only be rebutted line for line by the form of a notarized affidavit. If there is An Unrebutted Affidavit the affidavit Stands as Truth. It has been well over 30 days and I havent received any notarized affidavit rebuttal. I feel like I am being taken advantage of and being ignored of my affidavit.I demand XXXX XXXX XXXX Account Number : XXXX and all Non account holding inquiries over 30 days old be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have gotten Into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been denied credit from XXXX since this year and since I filed my first dispute with Experian they refused to remove the inaccurate information I send the request to demand arbitration and no response arbitration was to be started XX/XX/2023 Experian removed one correct address on my credit report experian allowed the employee to create false addresses on my account linked off of accurate addresses I have been denied my right to apply for credit I have been in need of a new car since XXXX of 2023 Experian inaccurate information denied me my rights to use my credit I have contacted a lawyer today I have been denied credit line increase from the soft inquiries within the month of XXXX XXXX and 6 months prior I want financial compensation for my ongoing pain and suffering and not being able to use my credit as needed I want this company fined as well I have no student loans as stated by Experian my dept is not XXXX dollars as listed on this credit report its been over 10 months

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 2023-05-21
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
XXXX XX/XX/2023 I've been banking with Wells Fargo I continuely get charged overdraft fees when I have overdraft protection! I've also submitted several applications fir credits cards, business & home loans as I am a XXXX XXXX XXXX veteran but I am continually denied. This seems as if I am being racially and biased against!

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 2021-08-06
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage on my primary residence with Suntrust Bank ( now Truist ). I have been making monthly PMI payments since XXXX, and my LTV ratio hit 80 % in XXXX of XXXX. At 80 % LTV I am no longer required to carry PMI, and submitted a request to have the PMI canceled, and any additional charges refunded. I submitted my request in XXXX of XXXX. Since XX/XX/XXXX I have been billed for PMI each and every month. I have called Suntrust repeatedly to address this problem. I have submitted additional written requests to have the PMI payment canceled and refunded. For XXXX the total PMI premiums collected by Suntrust are more than {$500.00}. Every time I speak to someone on the phone, they tell me the problem is being 'researched '. I refinanced my loan in XX/XX/XXXX, and am very concerned that with the original loan being closed, it will now be impossible to get my PMI premiums refunded. Can the CFPB help me get this money refunded?

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 monetary relief
Consumer complaint received 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 was contacted by some creditors via phone call, after some investigation i found out my ex wife had opened some accounts under my name. I contacted my ex wife and she admitted to opening accounts without my knowledge. This is identity theft and the accounts on my credit report are fraudulent.

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