BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-27
Company: AMERICAN HONDA FINANCE CORP
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 is missing that should be on the report

Complaint:
Equifax is listing the incorrect dispute street address for American Honda Finance, aka Honda Financial Services. Equifax clearly lists the address for American Honda Finance as XXXX XXXX XXXX XXXX XXXX NC XXXX. This is clearly wrong, the correct address for HFS ' NC location is XXXX XXXX XXXX XXXX, XXXX, NC XXXX. Honda Financial Services also has an address in Texas - Honda Financial Services, XXXX XXXX XXXX, XXXX, TX XXXX. What is the correct address for disputing information with XXXX XXXX XXXX, aka Honda Financial Services. This address provided by XXXX has probably been incorrect for YEARS!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Incorrect inquiries are being reported on my credit report. for the last 9 months I've disputed this false information XXXX times. Spending hundreds of dollars and hours. 

The companies listed below are incorrectly shown on my credit report Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022

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 2018-05-01
Company: EQUIFAX, INC.
State: KS
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:
On XX/XX/XXXX, I wrote a letter to all three bureaus, asking them to investigate mistakes on my credit report. To date, only XXXX XXXX has responded. I still haven't received anything from Equifax or XXXX, despite writing 2 follow-up letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

15 US C 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 2020-07-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX bought credit card debt from Capital One and they re-aged the account from the last date of payment which was XX/XX/XXXX and the account was closed XX/XX/XXXX. XXXX  XXXX  bought the debt in XX/XX/XXXX and reported negative marks to my credit every month when I do not nor have I ever had an account with them. They re-aged the account with this new date of XX/XX/XXXX. This account was charged off in XX/XX/XXXX. 
I contacted all three credit bureaus with this information on XX/XX/XXXX and they failed to remove the erroneous information from my credit file. This has crime has damaged my credit and effects my ability to obtain credit. This is a concerted and illegal effort of the part of both companies. Currently I am not a member of the class action lawsuit about these dubious practices but I will be seeking a legal remedy in the future

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the several time I've complained about being a victim of identity theft. The 3 Credit Bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


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 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 2023-06-19
Company: Experian Information Solutions Inc.
State: MI
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 XXXX XXXX XXXX Account XXXX XXXX, has 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 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 explanation
Consumer complaint received 2020-04-07
Company: Professional Credit Analysts of MN, Inc.
State: GA
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any invention result

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 2018-12-13
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid off the balance of the Federal Perkins loan under XXXX XXXX. I was told my debt would be transferred over to a new loan servicer, but I only had a small amount left to pay off. I received a notice form this new servicer XXXX ( website XXXX XXXX XXXX ) that I owe a larger amount, which was incorrect because the correct amount left to pay off was less. I called the company and they said that there may be a lag in communication during a loan servicer transfer, so the record would be correctly shortly. I then called XXXX XXXX, who directed me to call my school. I called my school ( XXXX XXXX ) and the loan department confirmed that the correct amount to pay off was the smaller amount. They told me I could pay off the balance with XXXX XXXX since the records weren't transferred to the new servicer yet, and that doing so would pay off my entire debt owed for this loan. I opted to pay off the entire balance with XXXX XXXX to avoid dealing with a new loan servicer, and I should have a {$0.00} dollar balance. 

I have just received a second notice with the incorrect balance from XXXX, with a message stating that my balance is 15 days overdue and they will have to report delinquent accounts to the credit bureau. I do not owe anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: Experian Information Solutions Inc.
State: MI
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:
I went into the dealership XXXX XXXX in XXXX XXXX Michigan to purchase a vehicle on XX/XX/2019. I already had pre-approved financing. I told that to my sells person I advised him in the beginning that i only wanted my credit ran through the bank that had approved me. At that point thats all that was done. Well come XXXX XXXX I get hits through my credit bureaus that my credit had been ran through 5-6 creditors while Im sitting home heading up to the dealership to pick up my vehicle and i never gave permission for my credit to be ran. Then come to find out they ran my credit as a co-signer to someone I dont even know. Ive called several times and it still hasnt been resolved and its still on my credit report till this day. They even ran my name with the finance company who had already approved me twice now its showing 2 inquiries for the same company

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 2018-03-07
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
I would like to submit a complaint about the credit bureau Equifax. I suspect either identity fraud or a mixed file case. On XX/XX/2018, I called Equifax ( XXXX ) with a question regarding an activity alert on my credit report, which was brought to my attention via email by Equifaxs credit security company TrustedID. 
The first person I spoke to asked me a multitude of security questions to confirm my identity. As the questions were never ending, I asked to speak to his supervisor. 

His supervisor, XXXX ( Employee ID # XXXX ), told me that their system showed my date of birth ( DOB ) was in XXXX on a different day and year than my actual DOB. She explained that a lender/creditor must have submitted the wrong DOB for me and that I should fax copies of my drivers license and birth certificate to Equifax, to correct the problem. In the environment ripe of hacking and fraudulent behavior, I do not feel safe faxing such sensitive materials, and I told XXXX this. Besides, I asked, how could Equifax have a 30-year credit history for me with the correct DOB and then suddenly decide to change my DOB in their records, without consulting me, because a lender/creditor submitted a different DOB. I asked to speak to her supervisor. 

Her supervisor, XXXX ( he would not give an ID # but said he is the only XXXX in the Office of Consumer Affairs at Equifax ), could not explain how Equifax could change my DOB without consulting with me and investigating why there was a different DOB introduced in my records. Neither XXXX nor XXXX would even tell me which lender/creditor sent Equifax the incorrect DOB. This is unacceptable, as I could have attempted to correct this error with the lender/creditor that purportedly sent Equifax the incorrect DOB for me. I asked if Equifax saw this as a red flag for some fraudulent behavior or a mixed file case. XXXX told me that he would not discuss this any further with me and that I could correct the DOB by faxing to Equifax copies of my drivers license and birth certificate and by contacting all my lender/creditors to make sure they had my correct DOB. It was not as if the wrong DOB submitted for me was off by one number, due to a typographical error. It was a completely different month, day and year. This is unacceptable and should not cause me to jump through a bunch of hoops, including sending personal data to Equifax, to attempt to correct Equifaxs error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I am not liable for this Debt with XXXX XXXX XXXX XXXX I do not have a contract with the collection agency trying to collect and report negative in formation to my credit report. I do not have a contract or signed any legal documents with this agency. They did not provide me with the original contract as requested. 

Correction to my credit report, I demand this, I demand this account be removed from my credit report In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX has 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 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 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX and I am submitting this CFPB= complaint to you today to inform you that I was a victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 
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 XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$21000.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance XXXX : {$270.00} XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$38000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  : {$3300.00} XXXX XXXXXXXX XXXX XXXX : {$7500.00} XXXX XXXX XXXXXXXX Balance Owed : {$54.00} XXXX XXXX XXXXXXXX Balance Owed : {$100.00} 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

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 2023-07-24
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:
This is not even licensed in my state to collect anything at all. I will be contacting the AG of their state as well as mine.

Pursuant to 15 USC 1692 ( c ) ( 2 ) - I am involking my specified remedy as a consumer and the original creditor I am demanding all of the following : XXXX out the balance on this account Pay the attached invoice and compensate me for every violation labeled in the attached exhibits.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-19
Company: Experian Information Solutions Inc.
State: PR
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:
On XX/XX/XXXX I submitted An investigation With XXXX XXXX And Experian for the Account XXXX Credit Card with account XXXX  # XXXX ( XXXX XXXX XXXX of XXXX XXXX By XXXX XXXX XXXX the investigation was not even completed and the account is still on my credit it id a fraud account and should be removed inmediately. Please kindly assist with this matter. 

previously disputed I do not agree with findings and the time taken

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 2021-10-14
Company: PNC Bank N.A.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PNC BANK

Contact
XXXX XXXX XXXX XXXX, OH 44101
(XXXX) XXXX-XXXX  
HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF $XXXX THE COLLECTION HAS BEEN REPORTED AS PAST DUE . I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY . THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: Caliber Home Loans, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had a major health issue due to failing XXXX and was on XXXX  and as a result missed a mortgage payment. I contacted Caliber my servicer to explain and to try and get them to work with me to reduce my monthly payment since I was having health issues and only able to work part time for a while. Caliber told me they could not help me and that I could not apply for a modification because I was only one month behind. I then sent in the monthly payment and added {$200.00} extra to go towards the missed payment from the month before so I could begin paying this down. Instead of applying the payment to my account, Caliber rejected the whole amount because it was not the exact amount of my monthly payment. When I tried to resolve this I was told that now I needed to pay 2 full monthly payments at once as well as late fees. When I told them I could not do that I started getting the runaround. Bottom line is that I went back and forth with this company for months and never even got them to review my paperwork. They never assigned a dedicated contact and continually misplaced and lost my information. Now I am facing a foreclosure sale date on XX/XX/XXXX. This is completely avoidable -- I have enough income to afford a fair payment, but Caliber, the recipient of hundreds of millions of dollars in bailout funds is ignoring me. 

I have owned this home for over 7 years and have not had issues with the payment until recently. I went through a painful and expensive divorce in 2014. Not long after I had an issue with a past employer and was wrongfully terminated and had to go back to work as a XXXX   for a time. I never missed a mortgage payment during these times, but all my reserves and rainy day funds were used to stay afloat. I have worked in property management for over 15 years and have a steady job and also receive rental income. I have the ability to afford a fair and reasonable payment. The purpose of this complaint is to get my case noticed and made a priority, because the Caliber agents have dropped the ball and not followed through and given me an opportunity to be reviewed for all government, state and internal homeowner assistance programs that should be made available to people in my situation. As explained, I had major health issues due to problems with my XXXX and was on XXXX and incapacitated while recovering. Less than a month after I missed my payment I began reaching out to Caliber to try and fix this, but still find myself facing foreclosure. This is wrong and I am asking that you open an investigation of their handling of my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
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:
I did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from my credit report

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