BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-05
Company: EQUIFAX, INC.
State: AR
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:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 am making this complaint myself, this is not a third party company making this complaint but me XXXX XXXX. I wrote the credit companies to have them remove accounts from my credit report that were not mine i included a copy of the police report showing that it was identity theft.

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 2023-07-23
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
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:
Never Late & Inaccurate Reporting. 

Never Late on ANY loans with the following lender.

Inaccurate reporting, as the information being reported is not up-to-date and misrepresents the credit history. Section 607 of the FCRA requires that consumer reporting agencies " maintain reasonable procedures designed to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' In addition, Section 623 ( a ) ( 1 ) ( A ) of the FCRA states that " 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 explanation
Consumer complaint received 2020-11-23
Company: Exeter Finance Corp.
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:
Exeter finance LLC, is a big complete fraud! I filed a complaint with the XXXX XXXX XXXX, but unfortunately XXXX closed this companies profile due to numerous consumer complaints. Not only has Exeter charged my account with all sorts of late fees, they're reporting my account late to the credit bureaus stating it was late prior to the due date. I tried to contact the CEO explaining my situation and why I've been late in the past, but the email reply was down right disheartening during these hard and uncertain times. I will be doing a voluntary repossession because I am unable to keep up with the late fees, high interest rate and late payment credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Paypal Holdings, Inc
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Scammer was pretending to be one of my friends on XXXX selling a car. They asked for {$400.00} to hold the car so that noone else could place an offer. I sent the money via XXXX but XXXX said there was an issue processing the transaction. After I told the seller the transfer had failed they called with an accent and asked for an XXXX gift card. This is when I realized that my friends XXXX account had been hacked and this was a scam. I filed a dispute with venmo which came back as denied because I " sent money to the wrong account ''. I advised them that it was not sent to the wrong account, but that the seller had misrepresented themselves as someone I know. Even though XXXX had told me the transaction wasnt able to be processed, it had cleared from my venmo account which means the transactio had truly processed. I tried to explain to Venmo that they had violated regulation E but they denied my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Paying off the loan

Complaint:
We are trying to get a payoff statement for an existing mortgage. Mr Cooper online site has not allowed login for 5 days. This is inexcusable for a company who processes millions of payments for multiple lenders. We need a payoff statement by XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, Texas, XXXX XX/XX/2023 Dear Transunion, I, XXXX XXXX XXXX, have written this letter to dispute inquiries that are falsely listed on my credit report with your bureau. The following inquiries were not authorized by me and are inaccurate. According to the Fair Credit Reporting Act, legally the following unverified and unauthorized items must be removed. I have already contacted the companies, and they did not have any of my information on file. 

The following items should be removed immediately : Creditor Name : XXXX & XXXX XXXX XXXX Type of Business : XXXX  Date of Inquiry : XX/XX/2023 Creditor Name : XXXX XXXX Type of Business : XXXX  Date of Inquiry : XX/XX/2023 I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THESE CREDITORS AND I DID NOT AUTHORIZE THEM TO ACCESS MY CREDIT. IT IS FRAUDLENT AND INCORRECTLY REPORTING, AND I AM REQUESTING THAT THE CREDIT INQUIRIES ARE REMOVED IMMEDIATELY. 

This is my official request to have the aforementioned items to be deleted off my credit 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 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct 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 non-monetary relief
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I constantly look at my credit report and noticed that the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of being 100 % accurate. This has damaged me and held me back for some time. I'm demanding CFPB to enforce the correction and deletion of these items.

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 2021-04-12
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX we ordered a drafting desk for our daughter as a XXXX present. The item got lost in the mail according to XXXX and they refunded us on XX/XX/XXXX. On XX/XX/XXXX XXXX made an unauthorized 2nd charged for the aforementioned desk. I contact XXXX on XX/XX/XXXX and explained the situation. The customer service representative said that is was an error that I was charged a 2nd time and that I would be refunded. On XX/XX/XXXX I contact XXXX again and this time a different representative stated that I needed to dispute with my FI if I want a refund. I contacted PNC XX/XX/XXXX to file a " Non-Receipt of Goods/Services '' dispute. I contacted PNC about 3 weeks later to check on the dispute as I had not received " Provisional Credit '' in 10 business days. I was told that it was being worked on. I called again in the beginning of XXXX. I was informed that a letter had been mailed out to me via USPS and I would need to reply to it before XX/XX/XXXX. I then called 2 other times during those following two weeks seeing if I can obtain another copy of the letter since I have never received it in the mail. Both times the rep told me I needed to wait for it to arrive in the mail. On the XXXX of XXXX I called and explained again. Finally a rep was able to get a rep to have a branch provide me with one. The same day XX/XX/XXXX that I received the letter I faxed back to them a response, as well as, documentation showing that the item was not recieved and the refund receipts even states " YOU CAN KEEP, DONATE, OR DISCARD THIS ITEM ''. I then followed up again about a week later and spoke with a woman who said that they are still working on it. I called today and was told the same exact thing. That it will be 90 more additional days to the completion. This is completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Accounts are showing on credit report, that I did not authorize. Tried contacting accounts and credit bureaus, but no progress.

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 2023-03-30
Company: FIRST ADVANTAGE CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There is a address that showed on my background report that I never was a resident at. 
Please advise and remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XXXX XXXX and XX/XX/2022 there were credit applications made on my behalf. One of them was for XXXX XXXX XXXX. The other was Capital One. And the last one was XXXX XXXX. 
This is NOT me. There should be a fraud alert on my account, but somehow they were still able to apply and get a credit check. The hard inquiries are hurting my credit. I need these taken off asap. Im trying to build my credit but someone is applying for credit cards in my name. I need advice on what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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, XXXX XXXX, am verifying that I, XXXX XXXX am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

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 2023-06-23
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
A debt collection company by the name of radius global solutions has furnished a debt upon my credit report. When reporting the debt false for ownership because I had no idea of this debt and I do not owe this money being that there is no signed signature of my name on any biding contract with the original or collection agency with the furnish amount of XXXX. Upon investigation with the three credit bureaus they came back validated with no proof. Upon further inspection and requesting of validating proof, XXXX was the only credit bureau to remove the falsely reported information from my credit report. 

The same is for a XXXX account, it shows on my equifax and experian report but not on my transuion. Please, Id like these items deleted from my credit report, both bureaus immediately as they do not reflect my report honestly as a consumer and I was not provided with verified proof of this investigation of it being mine within 30 days from the credit bureaus, equifax and experian when requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-22
Company: Credit Technology, 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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2019 XX/XX/2019 I have reached out to all three credit bureaus and the inquire companies. All that has done nothing to resolve the matter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 by federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  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 : States a consumer reporting agency can not furnish an 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 conviction 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 2023-06-26
Company: The CBE Group, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was alerted by XXXX that there was a negative action showing on my account. I disputed the debt, but by dispute was rejected as being a proper debt. It is not. CBE has posted a collection against my credit in the amount of {$990.00} on behalf of Charter Communications d/b/a XXXX XXXX. CBE told me that I had to talk to XXXXXXXX XXXX fraud department. XXXX needed more info, as I did not exist in their system ( despite supposedly reporting me for collection ), so I called CBE back, with a XXXX rep on the line. The account number given does NOT exist in XXXX 's system. The address connected to the account in collection does NOT have my name on it, nor is it in default. Simply put, nothing in either company 's systems links to me, yet I am still in collection. Also note that I have never received a collection notice as required by law. I only found out through XXXX. 

Account # that is being collected uponXXXX Auxiliary #  provided that is most likely irrelevantXXXX Address associated with the account being collected upon : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MI I was told by XXXX 's fraud dept. that this address does have an associated account, but that it is not in default and does not have my name on it. 



CBE GROUP XXXX XXXX XXXX XXXX XXXX, IA XXXX Phone number ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a prepaid card with Navy Federal. I placed about {$11000.00} or more on the card. I also had employment insurance just in case of job loss. 

Unfortunately, I did experience a job lost. I called and called Navy Federal in enact my employment insurance. I had paid on that insurance for months. 

They gave me for run around from one department to another. In the end, NO ONE helped me.

Even after they kept sending me late notices. I still called them to no respond to resolve the issue.

Now they are reporting FALSE information on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
My bank alerted me of XXXX credit inquiries today on XX/XX/23. There were all triggered simultaneously. It appears that somebody is trying to fraudulently take credit out using my identity. The banks through which the inquiries were made : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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