BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-28
Company: Experian Information Solutions 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:
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly REMOVE OR DELETE this information which can not be verified. XXXX XXXX XXXX XXXX Date opened XX/XX/2015 Balance : {$0.00}.

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 non-monetary relief
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am the consumer filing this report please do not close without completion. Here are a list of violations on my credit report : USC 1681 SEC 602 ( A ) states that you have no permissible purpose by law to contact third parties with my personal information. " I have a right to privacy ''! You offenses amount to aggravated identity theft pursuant to 18 USC 1028 ( A ). You have knowingly transferred, possessed, or used w/o lawful auth, a means identification of me, which is a felony punishable up to two years of imprisonment, in addition to civil liability. This agency is in violation of 15 USC 1692G. They were to notify me of this in writing five days prior to and I was not. As the original creditor only I can validate the debt and i did not validate this debt. Therefore the following accounts must be deleted from my report. Failure to respond with deletion will result in {$1000.00} per violation for ; Defamation of character, fdcpa, 15 USC1692G, 15 USC 1681N, and negligent enablement of identity fraud.

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 2022-04-18
Company: Block, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I got two cash app payments. These two payments are missing. The first one from my friend name XXXX for XXXX on XXXX XXXX. I never received it. Theyre telling me i had other payments that came threw that took the {$27.00}. Not true what so ever. After my purchases, i still had {$14.00} left over. Now the next missing cash app was made on XXXX XXXX. XXXX {$20.00}. I never received it. Im mad as XXXX because i feel like theyre just out right taking my money. All i want is my missing {$27.00} and {$20.00} and ill be done with cash app forever. This is the same reason my friends on XXXX and XXXX done deal with cash app now. I feel so stupid for not listening to people. My name is XXXX XXXX. My number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: PRESTIGE FINANCIAL SERVICES INC
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; 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 I have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: ALLY FINANCIAL INC.
State: GA
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:
I paid the XXXX balance in full XX/XX/22 to Ally Financial and received correspondence through email as well as the pay off letter. Ive spoken to several representatives and have uploaded the letter to prove the balance has been settled, to no avail they keep reporting incorrect information

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 2022-04-18
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: Account status incorrect

Complaint:
XXXX and I entered into an agreement to settle this account. After receiving the settlement agreement and signing it, I paid the settlement amount. Since then, XXXX has continued to report that the account is past due and that they are still seeking payment for the remaining balance outside of the settlement. The agreement stated that once the amount was paid that I would be released from any further obligation to XXXX. Each time I dispute the reporting, it is denied by XXXX as accurately reported.

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 2022-12-28
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved and updated as soon as possible. 
XXXX XXXX XXXX late open XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have attempted to call Experian 6 times and each time the IVR will not get me to a person and will hang up. There is a fraudulent account on my credit report. I have tried for 3 months to get this removed but I keep getting declined by their system or hung up on. I have proof sent by the collections company and I have sent it in. They have not removed it as required.

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 2022-12-28
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved and updated as soon as possible. 
XXXX XXXX XXXX late open XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2023-05-23
Company: EQUIFAX, 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:
XXXX XXXX XXXX has reported a miss payment on my payment activity for the month of XXXX claiming that I did not make any payment for the month of XXXX and the past due amount is {$250.00} and I disagree with that. Ive made that payment I even paid more than that, {$250.00} to be exact ( $ XXXX {$28.00} ). I have uploaded the receipts. I have used XXXX a company authorized by XXXX to receive payments on its behalf. The XXXX website wasnt working and I wasnt able to make online payment. I have called customer service and they have advised me to go to a moneygram or western union location to make the payment. They can retrieve that phone conversation since the call was recorded. I did exactly what she told me to do and I even called back to give the reference number that was given to me by moneygram. It is not my fault if your website wasnt working. Nevertheless, I went to a moneygram location in XXXX to make my XXXX payment. I did not miss a payment in XXXX. I have had that car loan for 6 years now and I have worked hard every single day to not miss a single payment so, do not mess with my credit!! That car loan is almost paid off I only have 1 ( one ) more payment to pay off that loan. Do not mess with my credit!! 
You reported to the credit bureau that my overall balance is {$920.00} which is not true because on your own website as of today XXXX XXXX it shows a different overall balance amount of {$330.00}. The XXXX payment with XXXX has finally been updated. Update my credit report, I did not miss a payment in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I am attaching a letter I sent a letter to  XXXX  and Trans Union back on  XX/XX/XXXX , requesting that they investigate error on my credit report. I have not received a response from either.

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 2022-04-18
Company: Rocket Mortgage, LLC
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2022, I filed an application for a VA refinance with Rocket Mortgage and a credit report was instantly pulled around noon the same day. The lender began to subject my loan to seasoning requirements not allowed for my loan product. I resisted and notified the lender I would comply with the requests to prove seasoning of 6 payments, but I would file a complaint. As soon as I notified the lender of my intention to file a complaint, I was not provided an opportunity to prove I met seasoning requirements or a loan estimate within or after 72 hours of the application. The application was closed abruptly upon notice I would be complaining to the CFPB # XXXX because I had made a subsequent application with a broker affiliated with rocket mortgage. The problem is I only exercised my right to shop other lenders when the Rocket Mortgage insisted on applying different criteria that did not apply to my loan product. I had no way to reasonably be aware that the new lender had an agreement with rocket mortgage to impact my ability to shop around. At minimum, I should have been provided an opportunity to choose which loan officer I wanted to work with moving forward. I unequivocally noted I was willing to continue to work with Rocket Mortgage directly however it appears Rocket Mortgage held disdain because I exercised my rights to file a complaint over their application practices. Because of an escrow miscalculation not resolved until XX/XX/2022, XXXX continued to provide credit suppression protection until XX/XX/2022 despite timely payments meeting seasoning that does not apply to the VA loan product..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair and delete these inaccurate items in my file. 
XXXXXXXX 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 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
Transunion has failed to remove information that has had a material impact on myself after repeated requests to do so, and furnishing them with the requested information beyond what has been requested. 

I ask tha

t these requests be honored, otherwise, other agencies, federal, state, local, ACLU, civil rights, state Attorney Generals, and other may be contacted to correct the information or otherwise forced to do so in a court of law with a favorable ruling by a the presiding Judge.

The information listed is inaccurate, incorrect, done without my consent, permission, or authority, and I was otherwise unknown of the severity of the situation.

Remove all requested information.

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 2021-01-27
Company: EQUIFAX, INC.
State: NY
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:
Looking over my credit report and notice there were fraudulent accounts that do not belong to me and never authorized any contracts and business with these companies. The following accounts are listed below : 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 2023-12-06
Company: Bridgecrest Acceptance Corporation
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am having difficulty with this company. On XXXX XXXX I found out where I was supposed to send the payments ( had to call them on the phone to get the mailing address ). I mailed them my first payment ( due on XXXX XX/XX/ ) on XXXX XX/XX/ after they REFUSED to accept payment VIA my credit card. They told me they would accept a debit card ( I do not have a debit card ). They are now claiming that they have not received the payment. I was told by one of their supervisors that it is illegal to pay credit with credit meaning that it is illegal to pay any debt with a credit card. I was NEVER told when I bought the car that my method of payment would be restricted and that they would NOT accept a credit card payment. If I would have had that information, I would NOT have bought this car. They are threatening to try and ruin my credit by reporting that I am more than 30 days late on my payment. I have excellent credit ( credit score is XXXX ) and I am not going to allow them to ruin my good credit. Based on not being told the restrictions on my paying for this car I feel that we never had a meeting of the minds, and I am requesting that this contract be voided, and I simply return the car and we go our separate ways. When I requested from Bridge crest which government agency that regulates their business the supervisor refused to provide me with that information. They told me to call XXXX which I did and XXXX told me to call Bridge crest. I have been on the phone for over 3 hours between these two companies and still no resolution is in sight. I am a XXXX XXXX and Retired XXXX XXXX. I am a XXXX XXXX, and I am not going to allow this company to try and ruin my credit.

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: EQUIFAX, 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 sent a letter asking XXXX, XXXX, and Equifax to investigate my accounts. Here is my tracking number : XXXX. It has been over 30 days. These consumer reporting agencies are in violation. 
According to 15 USC 1681i - XXXX, XXXX, and Equifax have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

I have all the evidence attach below. 

I sent letters out XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Experian Information Solutions Inc.
State: IL
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 find it unacceptable that there are public records on my credit report. This is causing me a lot of anxiety and distress, and I am pleading with you to remove them immediately.

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