BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My Personal Sworn Statement & Declaration : I declare that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18ll U.S.C 1621. The items found within my credit report that I listed on the following pages are 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 some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. FOR SECURITY I HAVE ATTACHED MY IDENTIFICATION ON ANOTHER PAGE

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 2021-07-25
Company: JPMORGAN CHASE & CO.
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: Problem with personal statement of dispute

Complaint:
On a good will request, please remove the late payments affiliated with account # XXXX understand how paying on time affects my account and went through bad times in my life, which we all go through. I am a current on time paying customer with your bank and would consider continuing my experience with yall if this good will request is accepted. Verification PDF 's are attached to confirm my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
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: Information belongs to someone else

Complaint:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Exeter Finance Corp.
State: MO
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:
XX/XX/2023 Subject : Request to Remove Paid Closed Account Payment History Dear Exeter Finance Customer Service, I hope this letter finds you well. I am writing to request the removal of payment history associated with my closed account. Although I have paid off all outstanding balances and closed the account, the payment history continues to be reflected in my credit report and financial records. 

I understand that maintaining accurate records is essential for financial institutions like Exeter Finance. However, as the account has been fully paid and closed, I believe it is appropriate to update the records and remove the payment history associated with it. Removing the paid account 's payment history will enable me to manage my financial profile more effectively and accurately reflect my current creditworthiness. 

I kindly request your assistance in initiating the necessary steps to remove the payment history associated with my closed account from all relevant credit bureaus and internal records. I understand that this process may involve contacting the credit bureaus directly to request the removal of the payment history entry. 

If any additional information or documentation is required to complete this request, please let me know, and I will promptly provide it. I would appreciate a written confirmation once the payment history has been successfully removed from my closed account and any necessary actions have been taken with the credit bureaus. 

Thank you for your attention to this matter. I value my relationship with Exeter Finance and trust that my request will be handled with professionalism and efficiency. If you have any questions or require further clarification, please carryout this matter within 3 business days. 

I look forward to a favorable resolution to my request. Thank you for your prompt attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: CAINE & WEINER COMPANY, INC.
State: MD
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:
I've been trying to get this charged off account removed since XXXX, this account is showing inaccuracies, wrong dates and wrong amounts owed is not matching, this account clearly shows that it's been charged off and debt was sold, this been appearing since 2017 and it's been a nightmare trying to repair my credit just to be financially stable for my family

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: EQUIFAX, 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:
I have an issue with Equifax, XXXX, and XXXX. I have sent multiple letters to which none of them have replied. The only thing they've done is reinsert information that was deleted from my credit report, in which none of them have sent me reinsertion letters and this is a violation of the Fair Credit Reporting Act. After numerous attempts I am filing this complaint because it is beyond me how someone can just ignore you and there is incorrect information being reported on my credit report. Per the Fair Credit Reporting Act all information across all three credit bureaus must be identical, however, neither of these credit reporting agencies are reporting anything the same which is a violation of my rights as a consumer. I ask that all incorrect information be removed from my credit report immediately, or I will have to handle this situation in my best interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
CEASE AND DESIST USAA SAVINGS BANK Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums.

Pursuant to 15 USC 1692c. ( c ) ( 2 ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding all the following : Pay the attached bill of particulars for every violation labeled in the attached exhibits. 
Pay the attached invoice and compensate me. 

Best regards, XXXX : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my eleventh endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$1000.00} XXXX XXXX Balance : {$360.00} XXXXXXXX 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 explanation
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: GA
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:
There are some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report . Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : US DEPARTMENT OF EDU State inquiry occurred on XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX that occurred on XX/XX/ and there is XXXX that occurred on XXXX The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home.

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 2023-04-28
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$4400.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXX/XX/XXXX ; XXXX  XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: EQUIFAX, INC.
State: FL
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 investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-11
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I feel the CFPB needs to look into the new tactic being used by credit card companies to directly impact consumer credit reports. Companies are arbitrarily reducing credit limits to just about the current balance, resulting in a dramatic jump in credit usage %. Then on the letters that are sent out as explanation of the adviser action, they can not specifically answer which factors/items from the credit report relate to the reasons. This acts adversely on a consumers credit score, when they usage goes from 32 % to 82 % overnight, without any fault/action of their own. When I recent ; y inquired to CITI Bank as to why for the 2nd time in a year they reduced my credit limit, I was advised to see the notice in my document center. Which I located and then asked for the specific factors that related to the 4 reasons listed. I continued to receive answers of if there was an issue with my credit report, I needed to contact them for why. So I read the document that said the decision was made by CITI and not the credit bureau and to contact CITI with questions. Even after 3 customer service reps and an hour of my time I got no serious/real answer other than that they could. Which by the terms they can, change it at any time. However I feel they are abusing the ability to do so, to manipulate consumer credit scores and charge the highest rate allow, due to the resulting score decrease. This behavior on their part is generating massive revenues for the credit card companies and costing already strapped consumers massive amounts of money. 
Reasons were : Length of credit history ( I have had credit card with Citi/Home Depot alone for 3 years ) Payment pattern on account, I have never been late, payment made early or on time for 3 years. 

Number of recent credit inquires. When I went on XXXX it showed 9 inquires over 2 years. 

CIT is not the only company using such tactics, XXXX engages in the same actions.

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: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I switched to Huntington because I needed a bank in XXXX where I recently moved to. I have direct deposit and a Checking and Savings account. I received my direct deposit pay on XXXX. I made a large payment and then I had a check that I had to cash for {$1000.00}. I deposited it into the atm around XXXX. That was my only option because they do not ever have extended hours and it is hard for me to get to a bank during my work day. I figured that it would not make all of the funds available but at least a small portion. After I got my balance, I saw that nothing was made available. I was hoping that it would be available the next day after the bank opened. What I got was an email saying that the funds would not be available for 7 days. There is now a hold on my account. I called the local office. They do not answer their phones. The only option is to leave a voicemail for a return call which I did not receive. I had to call the XXXX number. I got a representative and he had me on hold for an extremely long time then came back and said that they could not release any of the funds nor return my check. I asked to speak to a supervisor and spoke with XXXX. I told her that I needed groceries and my medications. She refused to make any of my money available nor help me get my check back so that I could take it to my other bank account in XXXX. I feel that if they want to be so highly cautious, then I should have the option to take my check elsewhere. Unfortunately I live paycheck to paycheck. Because of this extremely long hold ( in this day and age ) my internet bill, phone bill will not be paid and I will incur service restoration fees. This whole matter is going to cause me a considerable amount in fees all because they could not make a small amount of my money available to me. I know they can because my other banks do so. And again, if they can not cash my check in a reasonable time or make my funds available, then I should have my check returned to me so that a more modern bank can cash it for me. I should not be held hostage and broke due to their outdated policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: EQUIFAX, INC.
State: NC
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 would like to l launch re-investigation on my credit report with proof of everything I listed in my letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Resurgent Capital Services L.P.
State: MO
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:
This is for the following debt collection companies. XXXX XXXX XXXX XXXXXXXX XXXX LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want to see a copy of the original purchase agreement that show that you legally own this debt by this original creditor. I am also requesting copies of all statements from open to close this account. I want to see proof that you are legal debt collector in my sate. I want see a copy of your bond that shows your legally registered in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: NAVY FEDERAL CREDIT UNION
State: IL
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:
Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I sent a letter to remove these personal information that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these personal information not later than 4 business days. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX ; AXXXX XXXX XXXX XXXXXXXX, FL Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX Date Updated : XX/XX/XXXX ; SXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/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 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief