BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-02
Company: STERLING JEWELERS, INC.
State: VA
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:
Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX This account was paid in full on XX/XX/2022 in the amount of {$1600.00} to XXXX, XXXX and XXXX who represented their company. I received a letter confirming that the account was paid in full but my account has not been updated since XX/XX/2022 on my credit reports. I contacted the creditor directly on XX/XX/2022 and was told that my account was sold to XXXX and given the phone number of XXXX. I immediately called the number and was told that the account had not been sold but they represented XXXX XXXX XXXX and confirmed via phone that the account in fact had been paid in full. I was told that they passed that information onto their client and would have them to call me back to let me know when my credit report would be updated. Today is XX/XX/2022 and I still haven't heard back from XXXX XXXX XXXX. 

I'm frustrated because after experiencing financial hardship I finally was able to take care of the account yet my efforts is still not reflected on my credit reports.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Account : XXXX XXXX The credit bureaus stated my count was properly investigated but how is that possible if the open date is in accurate the dates last active is in accurate and that last report it is not accurate this grounds for Removal they also violated my rights 15USC 1681 section 602 A. States I have a right of privacy 15 USC 1681 1681 section 604 A section 2 It also states a consumer reporting Agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
Company: Blue Front Financial, LLC d/b/a Ladder Loans
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Hello, I received a solicitation in the mail from Ladder Loans. I submitted my information online through their website as instructed. After no follow up from the company I called to check, XXXX answered the phone took my info and said he knew right where to go for my loan as I had a XXXX credit score and would call me back that afternoon. No call back. I tried on Friday and left a message. I tried back on Monday the XXXX of XX/XX/2023, got a hold of XXXX, said they were having technical issues and that my file was with someone else in the office and they would call me right back. No call back from them. I tried later that afternoon and got the switchboard operator. An hour later I got a text from XXXX, not the other person he said was now on my file and said he emailed me some quotes and to text him if I wanted to proceed. Never received his email. I called and texted that I received nothing. No response from them. I got online to see if there was any feedback on this company and found a recent complaint about the same XXXX. I am concerned that my social security number and personal information may be in the wrong hands. I appreciate any help you may be able to offer concerning this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX XXXX XXXX XXXX and I do not have a contract with ABLTY RECVRY plus they did not provide me with the original application like I asked. 
Account No : XXXX Amount Disputed : {$66.00}

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 2021-07-21
Company: Sentry Credit, Inc.
State: UT
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:
XXXX  as credit reporting agency did not investigate well when dispute was filed. The account was never late, the payment information the original creditor had on file never declined. The original creditor never contacted me for late or missed payment. The creditor stopped collecting the debt at its own will. And then sent it to collections. 
I contacted XXXX  to resolve this matter. They said they have verified the debt without fully investigating it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX  as credit reporting agency did not investigate well when dispute was filed. The account was never late, the payment information the original creditor had on file never declined. The original creditor never contacted me for late or missed payment. The creditor stopped collecting the debt at its own will. And then sent it to collections. 
I contacted XXXX  to resolve this matter. They said they have verified the debt without fully investigating 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 2018-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
While reviewing my TransUnion credit report on XX/XX/XXXX I discovered that someone had used my identity ( Social Security Number & Home Address ) to purchase an XXXX XXXX for $ {$740.00} from a XXXX store in XXXX Colorado. They had the phone purchase payment added to the bill which was never paid and eventually went to collections. 

I called XXXX on XX/XX/XXXX and they provided the following information : - Where purchased : Internet Order - XXXX Account Number : XXXX - Mobile Phone Number assigned to phone : XXXX - Email address provided by customer : XXXX - Date Phone purchased / Account opened : XX/XX/XXXX - Date account closed for no payment : XX/XX/XXXX - Current Balance in arrears : {$980.00} - Address where phone was shipped : XXXX XXXX XXXX XXXX, XXXX XXXX ( This address pulls up as a XXXX XXXX XXXX ) - Address provided when phone was reactivated : XXXX XXXX XXXX XXXX, MD XXXX ( This address pulls up as a XXXX Corporate Office ) I contacted XXXX on XX/XX/XXXX. They deactivated the phone and I reported the incident to the XXXX Fraud Department.

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 2021-07-29
Company: Social Finance, Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I discovered a whole bunch of charges to some company I've never heard of before. 

I disputed these charges with sofi using there online dispute option, and followed up by phone call the next morning ( since they're call center was closed when I initially discovered the charges ) and also because their dispute system only allowed for 3-4 disputes and there was many many more charges than their max. 

When I called, I was told not to worry, they would send me a new card, and investigate the charges, and that I'd be fully credited for the fraudulent charges Then just a few days later, we'll before I received the replacement card in the mail, Somehow my card began receiving charges once again! I hadn't even received or activated the replacement card, yet somehow my account was experiencing large and numerous charges to this same XXXX XXXX 

The dispute I filed from the first card came back, and I was shocked to see that all of the transactions were " determined to be authorized ''. 

All the transactions except for 1, which was approved, and credited back to my card. 

So why would you credit me for the 1 transaction, but deny the rest, all from the same merchant??? 

I DID NOT MAKE THESE CHARGES, NOR DO I HAVE ANY KNOWLEDGE OF THESE CHARGES THESE CHARGES ARE TOTALLY FRAUDULENT AND I DONT UNDERSTAND HOW THEY AQUIRED THE NEW CARD NUMBER AND MORE THAN YOU DO. 

WHAT I DO KNOW IS THAT I HAD NO INVOLVMENT WITH THE CHARGES, YOU CREDITED ME FOR ONE BUT DENIED THE REST! 

WHY??? 

PLEASE HELP ME TO GET ME MONEY BACK, WHAT DO I HAVE TO DO?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated 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 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 XXXXXX/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 non-monetary relief
Consumer complaint received 2021-07-29
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
My vehicle was impounded XX/XX/XXXX held as evidence for a year. I obtained my vehicle back from the impound damaged in XX/XX/XXXX. As of now I cant register my vehicle because the finance company took possession of the vehicle since XXXX without my knowledge. The DMV provided me with this information in XX/XX/XXXX. Since then Ive been reaching out to the finance company for them to provide me with a updated title along with a permission letter so I can register the vehicle. Ive had possession of the vehicle since it was released to me. I dont know why the finance company is stalling giving me the run arounds and Ive called 5 times regarding this matter and all I keep hearing is that the vehicle has been repossessed, then I tell them I have the vehicle. Then I hear its going to take 10-15 business days. Then I hear your just going to have to wait there isnt anything they can do. No help from the finance company NMAC ( NISSAN MOTOR ACCEPTANCE CORPORATION ) when it comes to this matter plus I wasnt notified at all by the company when they supposedly took back possession of the vehicle that I have in my possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: Experian Information Solutions Inc.
State: VA
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:
On or before XX/XX/2019 this company purchased an old Business Debt/Loan from XXXX XXXX that our XXXX had acquired. Now they are harassing for payment and has decided to place it on my personal credit report. 

Also, on XX/XX/2019 I notice there's a credit report inquiry from this company. I didn't grant permission to this company to pull a credit report. This is illegal. I also have just recently seen that I have a new derogatory mark on my XXXX  and Experian credit reports. 

Account Number - 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 2023-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Application denials

Complaint:
Disappointment regarding the denial of my recent mortgage loan application with your institution. I believe that the denial decision may be in violation of certain federal laws, including but not limited to 1961 and 12 USC 1431. 

**Reasons for Denial** : I received a notice stating that my mortgage loan application was denied, yet the communication did not provide sufficient information about the specific reasons for this As a consumer, I have the right to know the exact factors that contributed to this decision, pursuant to federal laws. 

These laws require transparency in the lending process and mandate that financial institutions provide clear and specific reasons for loan denial to the applicant. 

In light of the aforementioned legal references, I am formally requesting that Bank of America provides me with a detailed and written explanation of the factors that led to the denial of my mortgage loan application. This information is crucial for my understanding and is essential for ensuring compliance with federal laws. 

I am prepared to take any necessary steps to rectify this situation and protect my rights as a consumer. If the denial decision is based on inaccurate or incomplete information, I would appreciate the opportunity to provide additional documentation or clarification to support my application.

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 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
after multiple letters sent to the company i have yet to get any reponse. We are currently at past 60 days and have yet to investigate my request. The information on my credit isnt correct and is causing much emotional distress for I'am being ignored. my original letter was sent on XX/XX/XXXX of 2023.

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 2023-08-02
Company: EQUIFAX, INC.
State: NJ
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 non-monetary relief
Consumer complaint received 2022-05-02
Company: Army and Air Force Exchange Service
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The following company never proved their methods of verification through several stages of written credit disputes : XXXXMILITARY STAR The letters that were sent out are as follows : dispute letter 1 -- mailed on XX/XX/XXXX and received on XX/XX/XXXX dispute letter 2 -- no response letter mailed XX/XX/XXXX after over 30 days of no response dispute letter 3 -- VIOLATION OF FCRA RIGHTS DISPUTE LETTER # 4 mailed XX/XX/XXXX after 30 days of no response or correction to the credit reports. 

The company failed to verify the debt IN WRITING with original documentation of proper verification of debt per FCRA guidelines and within the given timeframes. Company also failed to remove the debt per FCRA guidelines and by law must remove the debt for failure to provide proper verification within the given guidelines of the dispute process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was contacted by a lady claiming to be working for Household credit card company sharing that I had an outstanding credit card that had a balance and overdue charges that had to be paid from XXXX  years ago of {$3100.00}. I never opened that account so I informed her that the charges were incorrect and that she needed to send me verification my having had the credit card account. She did not send any paperwork to either my home or my email. 

Today I received a call from XXXX, who stated she worked as a debt collection intermediary for Household Credit card company ( she shared it was also knows as Orchard Credit ) that Household had filed a civil suit against me regarding this debt, but that they would drop all charges if I made a settlement of {$1800.00}. She shared that Household had sent me paperwork previously- to which I replied that none had ever been sent. I asked for written or other verification of the paperwork being sent and a copy to be sent to me today. She shared she was not able to send me anything and if I didn't pay the amount the company was taking me to court. The card she said started with XXXX and ended with XXXX. She told me to check my credit report to find all the documented information there. I just pulled up all three credit reports and there is no information for this card or company listed on my records. The only other thing I would get out of her was that the representative at the company making the charges was XXXX XXXX. The number for this company is XXXX. This seems like a scam and I would like to stop them from contacting me any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: EQUIFAX, INC.
State: OH
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 account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Advantage Auto Sales, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Provided FTC Reports yet company is biased refusing to remove the fraudulent item from my consumer 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 2022-12-09
Company: EQUIFAX, INC.
State: AZ
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:
XXXX, Equifax and XXXX have violated my consumer right which has forced me to file a federal compliant and law suite please see accounts listed accounts on my Affidavit these accounts are now in litigation. PLEASE SEE ATTACHMENT.

Company response to consumer: Closed with explanation