BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-03
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for 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 explanation
Consumer complaint received 2021-12-03
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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX-Date of inquiry XX/XX/06/XXXX  XXXX XXXX-Date of inquiry XX/XX/0XXXX XXXX XXXX-Date of inquiry XX/XX/26/XXXX  XXXXDate of inquiry XX/XX/26/XXXX  XXXX XXXX-Date of inquiry XX/XX/26/XXXX  XXXX XXXX-Date of inquiry XX/XX/15/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 2018-09-15
Company: Happy Money, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
After seeing an ad for payoff.com loans to help lower credit card debt, I went to their website and applied for a loan. I was preliminarily offered a loan for {$25000.00}. I accepted the offer and submitted by bank account information for them to review for the loan. When payoff.com started reviewing my financial information they said only my income could be counted in offering the loan. I asked why my spouses salary did not count towards my household income and they said I could only count mine. And they couldnt confirm that they did not count shared household debt. I was then denied for the loan based on my debt to income ratio and they said there was a delinquency on my credit report. I do not have a delinquency so I asked for more information and a copy of the credit report showing it. They refused to provide any additional information or the credit report to me.

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: DriveTime
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
On XX/XX/2023, due to being ignorant of the law, I signed the Contract where I, XXXX : XXXX, financed a vehicle for personal, family, and household purposesunbeknownst to the deceitful practices occurring that I was getting myself into.

I have been made aware of the laws described herein my complaint and notice of rescission attached, bringing attention to the violations committed by DRIVETIME XXXX XXXX, XXXX ( DRIVETIME ) and XXXX XXXX XXXX ( XXXX ) to rescind only the illegal parts of this contract.

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 2023-03-16
Company: Convergent Resources, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX of 2022 I received notification from Convergent XXXX claiming I owed XXXX XXXX {$100.00} for an account that was opened XX/XX//2022 ; I told them I have never had an account, they advised me there was no service, just an activation fee, i told them never applied nor received a phone from them, I have been with XXXX for 7 years and have never had any interest in transferring my service. They said they would notify them, XXXX then reported it to my credit without knowledge of the debt, I wrote them and XXXX and they provided me nothing but a letter asking me to call then at XXXX when I call they wont help me but tell me to call XXXX instead, I called them and they said its under fraud. It is still on my credit report and they will not provide me details. I HAVE NEVER had SERVICE with 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 2019-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Saturday XX/XX/2019 we had fraudulent activity on our savings account. Someone we do not know transferred {$2000.00} out of our savings account using XXXX into their account. We have never used XXXX and our account shows that the only time it was ever used was on XX/XX/2019 when the fraud took place. We contacted our bank ( Bank of America ) on XX/XX/2019 to report the fraud/transaction. The fraud department is not open on weekends and therefore B of A is saying that our claim was not entered into their system until that Monday XX/XX/2019 and that they could not stop the transaction. Bank of America is saying that they have closed our claim based on their investigation, but has failed as of today to send the information used to come to this conclusion to us the customer when we requested it be overnighted to us via XXXX or XXXX on Tuesday 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 2023-02-04
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:
I submitted a request to remove a credit error that is also showing duplicate. This is affecting my credit and I am not able to purchase my home. I have given them over 60 days and 2 requests now with no resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: EQUIFAX, INC.
State: SC
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:
It is XXXX XXXX in America. After sending supporting documents supporting my case to XXXX and Equifax reporting unverified and inaccurate reporting Charge offs From XXXX XXXX. They continue to Parrot this WRONG information. Still NO CONTRACT WITH MY SIGNATURE OBLIGATING ME RESPONSIBLE FOR THIS MIXED FILE. In a Previous document XXXX XXXX admitted they had NO contract but believed their information was accurate refusing to remove the WRONG information. XXXX XXXX left the DECISION up to the CRA who decided to PARROT the INACCURATE information. Thank you Veterans YEAH RIGHT!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: EQUIFAX, 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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
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: Account information incorrect

Complaint:
To Whom It May Concern : I recently received a copy of my XXXX credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX CARD I WAS NOT LATE ON THESE ACCOUNTS, THIS IS INNACURATE INFORMATION AND THE LATE PAYMENTS NEEDS TO BE REMOVED ASAP. REMOVE FROM EQUIFAX, XXXX, AND XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I called Portfolio Recovery to pay delinquent balances. They referred me to XXXX XXXX XXXX XXXX and stated they were in charge of the accounts. when I called XXXX XXXX XXXX they stated that since I was XXXX XXXX they could not accept payment and were closing my account and sending it back to Portfolio Recovery. I called PR again and was transferred multiple times until I reached the Vice President of Litigation who claimed that they did not have the authority to speak to myself or XXXX XXXX my accredited Financial Counselor about my two accounts and that they were also refusing payment. I Told them that if both companies were refusing payment than I had no choice but to consider my account paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2023-08-03
Company: Experian Information Solutions Inc.
State: MI
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:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-05-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Im really feeling so bad with the bank is about my real legal whole name doesnt fit on my card and account. They cut my name on my account/ card. It is hard when i have problems with banking they cant find # easily ask me toooo many questions wasted my previous time. 
When i do deposits by check the fund is not ready to use even the teller told me you can use immediately. It always happens I dont remember exact dates. 
Also making deposit used by ATM big currency isnt acceptable. I always need to wait branches business hours and stay in long line. 
Another issue is money transfer to my another bank account. It doesnt transfer fund immediately, stuck between 2 banks. The bank didnt fix problem 2 ; 3 weeks. I need that transfer immediately i was disappointed I couldnt pay my bills on time there was late fee because of mt money stuck I couldnt use it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
My credit reports are reflecting the following FRAUDULENT inquiries that were made without my permission or knowledge : XXXX XXXX  XX/XX/XXXXXXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXPlease remove these FRAUDULENT inquiries.

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 2023-08-03
Company: Experian Information Solutions Inc.
State: NV
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:
I'll never live at the following addresses this is incorrect : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Please delete the following incorrect employer : 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 2023-06-15
Company: EQUIFAX, INC.
State: NC
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 NC XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
Company: EQUIFAX, 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:
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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-03
Company: PNC Bank N.A.
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: Public record information inaccurate

Complaint:
ON  XXXX / XXXX / XXXX   PNC B ank reported me to  XXXX  for suspected fraud activity and closed my bank account. About 8 months later due to moving, I had another bank account at another commercial bank that I decided to move to another bank so I closed the account and went to the new bank tried to open a checking account and Due to the  XXXX  report from  PNC  Bank, I was unable to open a new checking account When I found out tha t PNC  placed me in the  XXXX  I contacted them via phone and paid them {$690.00} on  XXXX / XXXX / XXXX  that I did not know that I owed them and requested relief from the   XXXX   report. That  Relief  never came.     on  XXXX / XXXX / XXXX  I wrote them asking for the report to be deleted because  PNC Bank Previously Confirmed  to  XXXX  the suspected Fraud was accurate and Verified it as accurate to my dispute with   XXXX  . on  XXXX / XXXX / XXXX  I have requested specific documentation of the alleged fraud how such fraud was committed, Documentation and proof of me doing suspected Fraud. Documentation of how such said suspected fraud was committed. I have also asked for  PNC  Bank to give me  PNC B anks    XXXX     Reporting policies of how they report customers to  XXXX  and the procedures they must follow. To Date, I have gotten Nothing From PNC Bank.     It 's now  XXXX / XXXX / XXXX  and demand relief from PNC Banks Report of me in    XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
My name is XXXX XXXX. My address is XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. My email is XXXX, my QVC account and Synchrony account are both attached to this name and email. 

On XX/XX/XXXX, I ordered a XXXX XXXX  XXXX  priced at {$1200.00}, agreeing to XXXX  easypay installments of {$250.00}, through the seller : QVC, using my Synchrony QVC card ( ending XXXX ). I paid for express, overnight shipping, hoping that they would provide signature confirmation and an accurate delivery date for such an expensive product. I was provided the wrong estimated delivery date of XX/XX/XXXX, it was delivered to my house when I was not home on XX/XX/XXXX, no signature was requested, and the package was nowhere to be found when I came home and so I consequently requested a refund. A refund was provided to me by QVC, and curiously a few days later, on XX/XX/XXXX, I received an email from QVC stating that they would no longer honor the refund. 

" Dear Valued Customer, Upon further research the refund for your claim of non-receipt on your XXXX is unable to be processed. Tracking confirms your order was delivered. If you feel this is still an issue you must dispute this charge with your credit card company. '' This was for Order # XXXX with QVC. 

On XXXX I went forward to submit a claim with Synchrony as QVC provided and then pulled back a refund despite my not receiving the merchandise, and provided proof to Synchrony in the form of a chat I had with the QVC representative . Synchrony denied my claim. My card is still being charged for this purchase, and I am now being told that Synchrony is closing my other accounts due to this unpaid transaction that I never received in the first place. I received notice on XX/XX/XXXX through XXXX of all people that my claim was denied, despite hearing nothing from QVC OR Synchrony on the matter. 

When I placed the initial chat to QVC to request a refund, at the end of the chat- I asked how I can save the transcript. I was LIED to by the QVC associate who told me to INCORRECTLY press the wrong button, and subsequently the chat I attempted to save as proof of the refund was deleted, and when I requested an email copy, or to be mailed proof of this transcript with QVC support, I was DENIED by QVC. Very, very shady business practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Experian Information Solutions Inc.
State: CT
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:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation