BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-04
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: Was not notified of investigation status or results

Complaint:
I request copy of permissible permission used by XXXX XXXX XXXX XXXX ( XXXX XXXX and Experian in XX/XX/2017. XXXX doesn't even read requests and complaints but labels as duplicate complaints thus not allowing me to even comment. Experian is responsible to safeguard my personal information but passes the buck back to XXXX who then says they are reporting correctly. What a game for large companies.

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 2021-10-30
Company: Early Warning Services, LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have been trying to get my consumer report from Early Warning Services for 8 months now. They have a online system that is available to receive a consumer report however they have not sent it to me via their online system and I have mailed them to request my consumer report and they still haven't sent it to me. This is unacceptable. As a consumer, I have the right to know what is on my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$39000.00}.

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 explanation
Consumer complaint received 2023-04-09
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Sent in XX/XX/2023 email and letters. Notice and demand were sent by email no response after the 72 hour window. Dispute letter sent and no response within the 72 hour window to all three major credit reporting agencys. XXXX, XXXX, Equifax. Were produce detail and accounts with missing and or incorrect information. Fraud dealing with inquiries which I never consented to and personal information and credit reporting information either out of date and incorrect which goes against the metro 2 guidelines and is stunting my financial growth and credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: Penn Credit Corporation
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:
Penn credit Corp. and XXXX credit bureau are falsely reporting a collection to my credit history. Account listed I have no record of and my PECO bill is paid and current and has been for many years. Furthermore Ive never authorized given or allowed pen credit Corp. to have any of my personal information including address date of birth Social Security number so on. or access my personal credit report. 

I believe that the collection account is a mistake a fraudulent account identity theft or simply belongs to someone with a similar name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
All they did was verify it is my account. But again this is an outdated XXXX account that is suppose to be dropped off in 10 years. 
I do n't understand why Equifax does not follow their own policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: JPMORGAN CHASE & CO.
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This involves a Chase Advantage ( checking ) account. It's like a credit card, but used by checks only. The account was under my husband 's name only ( contractually person ), I as his spouse was " authorized user ''. My husband passed away XXXX XXXX, XXXX. I went to Chase Bank with Death Certificate and they " refused '' to write account off ( no explanation as why the refusal ). I was " forced '' to change account to my name, so I did. At time of death the balance was {$3600.00}. I faithfully paid on account, but XXXX, XXXX I paid account off as it was unusable since XX/XX/XXXX ( Chase no longer honored this type account ). I paid {$1900.00} ( with a no interest credit card till XXXX ) + {$10.00} interest billed in XXXX. I read an article in XXXX bulletin about Death & Debt and it stated that an " authorized user '' may not be responsible for debt balance due at death. So, I wrote a letter to Chase requesting that they please consider paying me back what was owed at time of my husband 's death, and gave it to Branch Manager on XX/XX/XXXX, and I HAVE NOT HAD ONE RESPONSE TO MY LETTER which is really very frustrating. I may be a XXXX year old widow, but that's not an excuse to completely ignore my request. I have consulted an Attorney and he was the one who gave me this information about your Website. I will forward the letter that I wrote to Chase as it has lots of detail in it. I hope this information is helpful to start process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 account listed below continues to report on my credit report in violation of federal law. The last letter I sent to XXXX and TransUnion was dated XX/XX/22 but I never received a response from them. The account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If XXXX and TransUnion do not validate the account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX XXXX : {$6900.00}

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 2019-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2023-01-13
Company: EQUIFAX, INC.
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:
This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE ARE ACCOUNTS ON THERE THAT ARE NOT MINE. PLEASE REFER TO ATTACHED IDENTITY THEFT POLICE REPORT, CASE # XXXX ACCOUNTS TO BE DELETED : 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 ACCOUNTS TO BE AMENDED : XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX # XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX ( {$800.00} limit ) XXXX XXXX XXXX, # XXXX ( {$550.00} limit ) XXXX XXXX XXXX, # XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX THANK YOU, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Global Lending Services LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Dear Sir/Madam, I am writing to formally file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a troubling issue related to the denial of a vehicle loan application submitted to Global Lending. This denial appears to be in violation of the Equal Credit Opportunity Act ( 15 U.S. Code 1691 ) and may involve allegations of securities fraud.

The details of my complaint are as follows : Vehicle Loan Application : On XX/XX/2023, I submitted an application for a vehicle loan to Global Lending. To my surprise, my application was immediately denied. 
In response to the denial, I sent a certified letter to Global Lending seeking additional information and clarification regarding the denial. I have attached a copy of this certified letter to this complaint for your reference.Despite sending the certified letter, I have not received any response or communication from Global Lending. This lack of response is concerning and has left me with unanswered questions and uncertainties regarding the denial of my loan application. 

Securities Fraud Concerns : I believe there may be potential securities fraud involved in this matter. Global Lending has a published 10-K annual filing and an indenture agreement with XXXXXXXX XXXX  XXXX While they denied me credit, it is possible that my loan application was still sold, which could affect my security interest. This raises serious concerns about the treatment of my personal and financial information. I realize the application says it can be transferred, but the application does not say that they can deny you access to your credit, then sell your security on the commercial paper market, earn a profit from my application because it is pooled into assets backed securities. They also violated equal consideration. The applicant was accepted when it was sent, they accept it but then denied, so credit should have been issued. 

I am filing this complaint with the CFPB to request a thorough investigation into Global Lending 's denial of my vehicle loan application, their lack of response to my certified letter, and the potential securities fraud implications of this situation. I seek clarification regarding the denial and whether it was in compliance with the Equal Credit Opportunity Act. Additionally, I want to ensure that my personal and financial information has been handled appropriately and in accordance with relevant laws and regulations.

I kindly request that the CFPB investigates this matter promptly and thoroughly. It is essential to determine whether Global Lending has violated consumer protection laws and regulations, including those related to equal credit opportunity and the handling of personal information.

Thank you for your attention to this matter. I look forward to a resolution that ensures compliance with consumer protection laws and provides clarity regarding the denial of my loan application. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: EQUIFAX, INC.
State: LA
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:
Attached you will see I have several inaccurate items reporting on my consumer report that don't belong to me but have come back verified and I demand a thorough method of verification/validation of these accounts! I am in the home buying process and these inaccuracies have damaged my credibility tremendously in the eyes or mortgage institutions and lenders. If these accounts can't be thouroughly validated I want them deleted from my cosusumer report within 10 days of receipt of this complaint as I've already submitted my initial dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: TH Professional & Medical Collections LTD
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I do not believe the amount being charged is correct. Over the amount agreed upon. Insurance should have covered the amount. They must have way over charged for service if amount is correct on their end. There isnt any itemized service charges attached to bill. No itemized bill for all consumables used or itemized charges for services. I have no idea what its for specifically. So XXXX cant dispute what insurance has paid vs what may still be owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: PRESTIGE FINANCIAL SERVICES INC
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Hello, I am a 100 % service connected XXXX veteran. I find myself in a predatory loan with Prestige Financial, regarding a vehicle I've only had approximately 6 months. ( XX/XX/2020 ) In desperate need to get a car to be able to make it to my VA appointments, I thought I found a good deal on a XXXX XXXX XXXX listed at {$19000.00}. I was led to believe I was financing with a great company at a great price. However, at 23.3 % interest I am already under water at just 6 months in. At the end of the loan, I'd have paid more than double the original amount financed. Furthermore, at a recent oil change with less than XXXX miles on the vehicle I find that it is a lemon with issues such as a hole in oil pan. 
I've asked Prestige to lower the interest rate to a reasonable Usury Rate or to let me out of the contract. They have refused to do either. I have filed a previous CFPD complaint with no resolution. I have been advised that I now have grounds to sue under the American XXXX Act and the Laws Against Predatory Lending. 

Per simple XXXX reviews and XXXX  complaints, this company is well known for it's Predatory Lending Practices. My situation is similar to many others who have had Prestige as their lender. 

XXXX is a similar predatory lending company who just lost a huge lawsuit due to the same practices that Prestige has. This does not seem to bother Prestige as they seem to have zero  interest in doing the right thing. 

This is my second CFPD complaint regarding Prestige. I have also filed a XXXX  complaint, a complaint with the Attorney General and will be looking into options to sue Prestige if this matter can not be resolved. Companies should not be allowed to prey on people with their predatory lending and there are Federal Laws against this. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX WI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Unsolicited credit card received XX/XX/19 Credit inquiry on credit report when no credit application was made

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 2023-02-05
Company: Experian Information Solutions Inc.
State: MD
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:
This is an unfair system, to be ignored and taken advantage of while plenty of laws are broken due to malpractice, and the severity of not taking my situation has caused financial injury and defamation of character along with 60 days of no response. 

I am a victim of identity due to the XXXX data breach and all items should be blocked/removed until this investigation is complete.

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 2022-06-04
Company: EQUIFAX, INC.
State: MO
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXXXXXX Balance : {$34000.00} XXXX  XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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