BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 writing to dispute the conduct of XXXX, TransUnion, and XXXX in violation of 15 USC 1681i Procedure in Case of Disputed Accuracy Paragraph 5 Treatment of Inaccurate or Unverifiable Information on XXXX XXXX Acct # XXXX As a consumer, I have exercised my right to obtain my credit reports from each of these credit reporting agencies. Upon review of my credit reports, I have identified numerous errors and inaccuracies that are affecting my credit score and financial well-being. 
I have followed the appropriate procedure outlined in 15 USC 1681i and have submitted disputes with all three agencies, providing evidence to support my claims of inaccuracies. However, I have found that XXXX, TransUnion, and XXXX have failed to properly investigate and correct these errors in a timely and efficient manner. 

Specifically, these credit reporting agencies have failed to comply with Paragraph 5 of the Procedure in Case of Disputed Accuracy, which requires them to promptly investigate and correct inaccurate or unverifiable information. Despite providing evidence to support my disputes, I have found that these credit reporting agencies have failed to conduct a reasonable investigation and have not taken appropriate action to correct the errors. 

Furthermore, I have found that these credit reporting agencies have failed to provide me with timely and accurate responses to my disputes, as required by 15 USC 1681i. I have experienced significant delays in receiving responses, and in some cases, have not received any response at all. 

The failure of XXXX, TransUnion, and XXXX to comply with 15 USC 1681i and to promptly investigate and correct inaccurate information has resulted in harm to my financial well-being. These inaccuracies have affected my ability to obtain credit and have resulted in higher interest rates and fees. 

I urge the Consumer Financial Protection Bureau to take action against XXXX, TransUnion, and XXXX for their violations of 15 USC 1681i Procedure in Case of Disputed Accuracy Paragraph XXXX Treatment of Inaccurate or Unverifiable Information. These credit reporting agencies must be held accountable for their actions and are required to promptly delete the inaccurate information. 

Thank you for your attention to this matter.

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 2021-10-06
Company: Bridgecrest Acceptance Corporation
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Moved to XXXX  from XXXX. Need the car title to register the vehicle in XXXX. Title & tag place I went to requested the title via fax, as per their website. I followed up 3 days after request was sent & was told that they didn't receive the fax. Was told to email the request to them, which was done over a week ago now. Spoke with rep there who said they received the request, but that they also needed a XXXX  DMV form MV-1 in order to provide the title, which is NOT true - that is the form to submit the actual title / registration change ( with the title ). Now I'm told that they actually do NOT need th

e MV-1 ( which is correct ), but that they never received the request for the title via email or fax, even though they verified that they received the email request earlier today! XXXX  law requires that the car be transferred to XXXX  within 10 days, and it's now 13 days that I've been going back & forth with them over this, with no end in sight. Now the XXXX  registration is also expired, so we can not even drive the car!!! I've made every single payment on time & am well past the time required by law to register the vehicle in XXXX  at this point. Despite talking to about 15 different people there over the course of the last 2 weeks & spending 10+ hours on the phone with them, they refuse to provide the title so that I can register the car in 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 2023-08-18
Company: Google Compare Credit Cards Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/XXXX, I get an email from XXXX saying Update your payment method. Don't lose XXXXXXXX XXXX They said I had until XX/XX/XXXX to fix it or my premium would be cancelled. I work M-F XXXX, their company is on the west coast so 3 hrs behind . The 're no way I'm able to pay it because my company I work for is on the west coast so when their open and closed, I'm clocked ina ns logged out. I tried to update my payment again yesterday aft around XXXX before they closed at XXXX. Suddenly my Google Pay account was suspended and I google that I could lose my google account because they can't verify my information. I've sent them my Drivers license and updated my old address to the current address. My account is still suspended!!! XXXX I AM A XXXX PLAN WITH XXXX AND NEED THE XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
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: Public record information inaccurate

Complaint:
I submitted a certified dispute letter to Equifax Credit Bureau, XXXX  and XXXX. The letters were confirmed received on the following dates to XXXX  on XX/XX/2021, XXXX  on XX/XX/2021 and Equifax on XX/XX/2021. I received an email as well as a letter that my dispute has been resolved in regards to bankruptcy on my report and has been verified as accurate via XXXX XXXX. I contacted the bankruptcy court via certified letter that they received on XX/XX/2021 and they stated via a response letter that they do not verify any information with XXXX parties. With that being the case there is no way that this could have been verified and I would like to have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: EQUIFAX, INC.
State: AL
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:
On XX/XX/XXXX, an unauthorized inquiry was left on my credit report from XXXX. on XXXX XXXX an unauthorized inquiry was pulled from XXXX. On XX/XX/2022 an unauthorized inquiry from XXXX was filed. On XXXX, XXXX XXXX an unauthorized inquiry from XXXX was filed. On XXXX XXXX an unauthorized inquiry from XXXX XXXX was filed .on XX/XX/2022 XXXX XXXX XXXX filed an unauthorized inquiry.on XX/XX/2022 XXXX XXXX XXXX an unauthorized inquiry on my report. On XXXX XXXX an Unauthorized inquiry from XXXX was filed on my credit report. On XXXX XXXX Unauthorized inquiry was filed on my credit report from XXXX XXXX. On XXXX XXXX resident verify filed an unauthorized inquiry on my credit report. On XXXX XXXX XXXX cards filed an Unauthorized inquiry on my credit report. On XXXX XXXX XXXX XXXX XXXXXXXX filed an unauthorized inquiry on my credit report. On XXXX XXXX XXXX XXXX reported an unauthorized inquiry of my credit profile. On XXXX XXXX XXXX placed a unauthorized inquiry on my credit profile. On XXXX XXXX XXXX XXXX placed a unauthorized inquiry on my credit report. On XX/XX/2022 XXXX XXXX placed a unauthorized inquiry on my credit profile. On XX/XX/2022 XXXX XXXX placed a unauthorized inquiry on my credit profile. On XXXX XXXX XXXX XXXX placed a Unauthorized inquiry on my credit report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of Identity theft and I did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my Identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commissions Identity Theft affidavit. Please delete the items as soon as possible.

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 2024-01-04
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This is a follow up with additional abuse by Barclays related to the claim # XXXX. 

Today I found another charge for {$63.00} pending from XXXX on my account which I closed! They have since sent me XXXX credit cards that I HAVE NOT ACTIVATED yet somehow this charge is pending on a card ending in XXXX. 

I saw that this account could be locked, so I locked it. This abuse has got to stop. How are cards being activated when I am NOT activating them?! All I want is my money refunded that was fraudulently charged on my account and to be done with Barclays. I never want to deal with this company again.

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 2021-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Complaint # XXXX Submitted and never resolved even though the Bank of America sent me two letters saying they had submitted correct information and consider my dispute resolved. They continue to have a misapplication on this loan and none of my payments have been applied and do not show a reduction of principal since XX/XX/2021 ( for the last 6 months ). Do not have any contact with anyone who will try to help me. They are taking so long to correct this issue and I am afraid that my funds will be not be applied correctly. Arent they out of compliance with the law re corrections on loan applications? Please help to get this resolved quickly. They are just taking all their time to correct this misapplication. ( now 6 months )

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 2021-10-06
Company: EQUIFAX, INC.
State: TX
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:
Disputed multiple closed accounts still reporting as revolving and CO each month as these accounts have been settled and closed. Inaccurately reporting settled date of accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have reached out to Equifax Credit Bureau last XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE FOLLOWING ACCOUNTS ARE STILL FOUND AND NEED TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX Balance : {$7100.00} XXXX XXXX XXXX Balance : {$890.00} XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX Balance : {$1000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: CURO Intermediate Holdings
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received information from you attempting to collect the above-listed alleged debt that you have listed on my credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debts in its entirety. Further I request verification of the alleged debts, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debts and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. I've disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 have sent letters to each TransUnion, XXXX, and XXXX on three different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 120 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.

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 2021-10-06
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-12
Company: Tower Loan of Mississippi, Inc.
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/XXXX she called at XXXX am and XXXX am. 
On XX/XX/XXXX she called XXXXpm XXXXpm & XXXXpm On XX/XX/XXXX she called at XXXX am, XXXX am, XXXX PM, XXXXpm, XXXXpm and XXXX PM. I answered and I asked them to not call back to back and she refused to identify herself. She also said she will continue to call back to back because the sheriff needs to pick up the vehicle. Again she doesn't know who I am, and she isn't calling for me. She then tells me to XXXX the number and she hung up. These are just the latest encounters. They consistently call from their personal numbers and they curse and talk very condescending.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

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 2023-06-30
Company: Rent Recovery Solutions
State: VA
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:
XXXX XXXX I have filed several disputes and I also called the company and they have no record of owing this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: EQUIFAX, INC.
State: CO
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:
When checking my credit report, I noticed a new credit card account : XXXX XXXX XXXX. This account was fraudulently opened in my name. The account shows an address of XXXX XXXX XXXX XXXX. XXXX, CO. I've lived at my current location since XXXX. I did not open this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX has been placed on my credit report as the owner of this debt however, there. are several names on this invoice with no further information. The invoice not only has a name of XXXX XXXX XXXX, it also has XXXX XXXX XXXX, XXXX, it states services provided by XXXX XXXX XXXX XXXX, there is a name of a XXXX XXXX. This alone is adding false information to my credit report if they are not the actual owner of the debt. 

I have contacted XXXX XXXX requesting more information which includes documents that I would've signed in the emergency room and they have not responded.

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 2022-11-23
Company: EQUIFAX, INC.
State: MD
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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX & XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX, and XXXX XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
To whom it may concern, Pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or a similar device '' Should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is in 15 USC 1602 ( 2 ) which is " the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit ''. Notice Congress said any card. The credit card is my social security card. They should all be removed from my report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you please remove these from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. 

I declare that this is a true and factual statement pursuant 28 USC1746.

Sworn : XXXX XXXX Signed : XXXX XXXX SS 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