BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX showed me a letter stating that I have no more obligation to them. I paid them through XXXX XXXX. Their information is an accurate on my credit report. Account ending in XXXX and XXXX. XXXX XXXX XXXX XXXX accounts, stating that I have no further obligation to them legally unlawfully I have no further obligation to them at all

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
State: FL
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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX EQUIFAX/XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2023-12-18
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to formally address my ongoing concern and dissatisfaction with the persistent challenges I have encountered in correcting the late open account information associated with my profile. Despite multiple attempts to rectify this issue through various channels, I am disheartened to report that the problem remains unresolved. 

I initiated the process to address the late open account discrepancies by submitting formal requests through your online platform, contacting your customer service department, and visiting the branch in person. Regrettably, these attempts have not yielded the necessary corrections, and the inaccurate information continues to impact my financial standing. 

The delayed opening of these accounts has caused significant distress, affecting my financial stability and hindering my ability to engage in various financial transactions. Despite my persistence in following the prescribed procedures, the lack of resolution has left me frustrated and concerned about the long-term impact on my creditworthiness. 

In light of the above, I am requesting an immediate and thorough review of my case. I expect a comprehensive investigation into the reasons behind the delays in opening my accounts and a transparent and communicative process for keeping me informed on the progress of the resolution. 

If the necessary steps are not taken promptly to correct this situation, I will be compelled to escalate this matter to regulatory authorities and explore legal avenues to uphold my rights as a consumer. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXX XXXX  Balance Owed : {$670.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received a refund from XXXX XXXX in the amount of {$740.00}. However capital One venture card decided to take {$200.00} of that I dont know why they they left me with {$590.00} how is it they have a right to do that whats next theyre gon na go into my card that I paid my bill with and help themselves? this is preposterous I wasnt expecting it I want that {$200.00} back. I pay my bill all the time Im never late ever ever ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: SYNCHRONY FINANCIAL
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
Synchrony bank placed a restriction on my account after I just mobile deposited a mobile check for XXXX on XX/XX/XXXX and placed a restriction on my account saying somebody tried to log into it from Michigan which is a lie because the account is brand new and the only person with account information is me they have yet to release my money or tell me anything about the whole situation and I want my money

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 2021-11-09
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:
On XX/XX/2020 I received a correspondence from XXXX XXXX stating my credit card application was declined. I called XXXX immediately and advised them I never applied for a credit card. I asked XXXX when and how the application was actually submitted, but they could not or would not provide me with this information. I asked XXXX if there was a possibility that they transposed a number on someone else 's application, mistakenly accessing my report, still XXXX declined to give me a straight answer and stated they needed to investigate the situation. I immediately requested one year fraud alerts be placed with all 3 credit reporting agencies. On XX/XX/2020 I received another correspondence from XXXX advising me that my personal information was compromised and I need to take steps to protect my identity. My expectation was that the hard inquiries were going to be removed from my credit reports, since I never authorized XXXX to pull my credit reports.

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 2018-12-26
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello - This is regarding my effort to get the PMI removed based on the appraised value. 

My mortgage originated in XX/XX/XXXX with the first payment in XX/XX/XXXX ( including the PMI portion ). And therefore, with my XX/XX/XXXX payment I have made 2 years ( 24 months of PMI payment ). 

I have sent multiple request to Fifth-Third bank to initiate the process of appraisal to remove the PMI. At first they gave the wrong facts and declined the request, saying my loan started only in XX/XX/XXXX' which weren't the case, instead it started in XX/XX/XXXX. Since then I am been told the bank is still reviewing the case. It's been more than 1.5 months and the bank is still reviewing my case. I even provided the bank with proofs showing my first payment was in XX/XX/XXXX which also included the PMI portion. I have talked to multiple supervisors at their bank and everyone has the same thing to say, " we will get this reviewed again and someone will get back to you in 3-4 business days ''. And when that individual calls same old story - " we are in the process of reviewing ''. As I said its been more than 1.5 months and they are still reviewing. Based on the facts, I feel 53 bank is in violation of the law and is cheating me by squeezing out more payments and refusing my right to get the home appraised so that I can get the PMI removed. Last I talked to XXXX XXXX at 53 bank, she said you don't have two years of payment so when you make the XX/XX/XXXX payment we'll review this case. On making the facts clear to her and by literally making her count the number of months from XX/XX/XXXX to XX/XX/XXXX ( both months included ), she realized I have already made 2 years of payment but still said " make the XX/XX/XXXX payment ( which was my 25th payment ) and then we'll review, which clearly is showing how this bank is trying to get more money out of me. I humbly request your intervention for an immediate action and also teach a lesson to banks like 53 that they can not refuse customer rights nor can they cheat them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
0n XX/XX/XXXX i went to the dealership to lease a vehicle under my company 's business I GAVE THEM MY CREDIT REPORT ALONG WITH MY COMPANIES INFORMATION. 
THEY HAD NO RIGHT PULLING A CREDIT REPORT WHEN I ALREADY GAVE THEM MY REPORT. 
A MONTH AFTER I RECEIVED THE VEHICLE, I NOTICED THAT DEALERSHIP WHICH IS XXXX OF XXXX XXXX XXXX XX/XX/XXXX ) AND XXXX XXXX XXXX XXXX XX/XX/XXXX ) THEY WERE NEVER AUTHORIZED XXXX PULL MY CREDIT REPORT NOR DID THEY HAVE CONSENT TO PASS MY INFORMATION TO A THIRD PARTY XXXX  SENT ME A LETTER ( SEE attachment ), STATING THE INFORMATION IS ACCURATE WHICH IS FALSE. AND THEY NEVER SENT EVIDENCE TO PROVE I AUTHORIZED THESE INQUIRIES.

I ALSO SENT A LETTER TO THE LENDER ( SEE ATTACHMENT ), LETTING THEM KNOW I NEED TO SEE EVIDENCE

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 2023-08-14
Company: CREDIT ACCEPTANCE CORPORATION
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I financed a used car on XX/XX/XXXX, with a used car dealer at the time they were in a transition to change their company name from " XXXX XXXX XXXX '' to what they are now called " XXXX XXXX ''. The loan company is named " Credit Acceptance ''. 

On my bill of sale I owe {$25000.00} for a XXXX XXXX XXXX XXXX quad cab. I was also informed that this is the total amount I will owe. 
But when I logged in to my online account today with credit acceptance on XX/XX/XXXX, it shows that the initial cost of the vehicle is {$44000.00}. Which is untrue. Other times I have logged in prior to this I've noticed it fluctuated from XXXX to the XXXX range. and today {$44000.00} is what is reflected. 

I sense there is some numbers manipulation going on here and I sense that credit acceptance is not being honest and is not conducting business in complete legitimacy. 

Also at the time this was my first time purchasing or making any kind of auto purchase ever and I knew nothing about credit or interest ratings for car loans.

After making this mistake I've learned that the whole time I was being taken advantage of as I didn't know that 22 % APR on a used car was so high. Whether that be a used car or a new car for that matter. I learned that this rate is unacceptable as I tell everyone about my APR interest rating, they all tell me its extremely high and that I pretty much got taken advantage of. I demand that this unfair act be corrected and that no one else shall have to face the same financial hardships I have due to such high rates! 

I would like to move forward with addressing these issues and have the credit acceptance company take full responsibility for their actions! 

I have looked at my online contract and noticed there were fees not discussed in greater detail with me at the time of making the purchase. I initially thought that I would be paying only {$25000.00}. I realized now that it was the high interest rate at 22 % that made this amount go up. It doesn't make sense to me and I'm not happy about it at all. I feel as I have been tricked into making the purchase and no one ever explained to me that I would owe more than the vehicle was worth!

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 2018-02-06
Company: ROCKFORD MERCANTILE AGENCY, INC.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was contacted from a debt collector ( XXXX XXXX XXXX ) back in XXXX of XXXX regarding a number of outstanding medical bills. I asked for verification of the charges with statements from the providers. One of them was sent and I paid via phone with a debit card to the collection agency. The other ( XXXX XXXX XXXX ) has not been able to produce a statement for verification of the charges. 

These charges are back from XX/XX/XXXX of XXXX and I do not recall ever seeing any requests for payment from them or the collections agency until I was contacted back in XXXX or XXXX. I requested statements and have yet to receive anything on this. This debt has been reported as delinquent on my credit report, but I have just recently become aware of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I did not give these companies listed above my written consent to conduct credit check. 
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
Consumer complaint received 2021-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XXXX, XXXX, AND TRANSUNION ALL HAVE BEEN NOTIFIED ABOUT THE INACCURACY OF MY CREDIT PROFILE IN XX/XX/XXXX, AND I HAVE YET TO HEAR BACK FROM EITHER AGENCY. THEY ARE IN VIOLATION OF THE FAIR CREDIT REPORTING ACT BY FAILING TO REPLY WITHIN 30 DAYS. I AM ASKING TO REMOVE THE INACCURATE ACCOUNTS OR PROVIDE DOCUMENTATION. I OWE NO DEBT TO ANY OF THESE COLLECTORS. LEGAL ACTION WILL FOLLOW. PLEASE REMOVE THE FOLLOWING ACCOUNTS ACCOUNTS : XXXX XXXX XXXX  Opened XXXX {$500.00} XXXX XXXX XXXX XXXX Opened XXXX {$1400.00} XXXX XXXX XXXX Opened XXXX {$6600.00} XXXX XXXX XXXX Opened XXXX {$6700.00} TRANSUNION PLEASE FOLLOW SUIT AND ALSO REMOVE THE FOLLOWING ACCOUNT AS THIS REPORTS TO NEITHER XXXX NOR XXXX. I HAVE NO KNOWLEDGE OF THIS ACCOUNT XXXX XXXX XXXX Opened XXXX {$650.00}

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 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please see the attached documents. I urge the bureau to begin an investigation into these accounts, as I am consistently on time, yet they are incorrectly reported as late.

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 2023-11-06
Company: Chime Financial Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I had loads of unauthorized transactions from XXXX  as soon as i noticed them i called chime and let them know what was happening. This happened multiple times. Replaced my card and waited for bank to investigate. They denied my claims and when i asked they them why they sent me a list of the transactions i was disputing. Ive called, emailed, chatted via app and nothing. No help whatsoever from Chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have requested Proper verification and validation to XXXX Original creditor : XXXX XXXX XXXXXXXX this company has placed the account XXXX showing a amount owe of {$670.00} I have no knowledge of this account, I have disputed it multiple times and not documentation step by step validating this account has been provided. 

this account is affecting my credit report and as per the fair credit act I request a immidate removal from my Tranunion credit report. 

Also Transunion fail to verify and validate this account as stated by the fair credit 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 2021-11-09
Company: Exeter Finance Corp.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports I have been patiently waiting on the Credit Bureaus response to the written requests I sent regarding EXETER FIN. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: EQUIFAX, INC.
State: TN
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 declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.

Company response to consumer: Closed with non-monetary relief