BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-16
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Last year ( XXXX ) in the early part of the year I attempted to get a free credit report as well as apply for an account with a lender. At the current time I was informed that my credit report was blank. As per the Equifax customer support agent I faxed to Equifax a copy of my birth-certificate along with a copy of my current ID as well as my Social Security card . At that time the account I attempted to open was declined due to the inability to obtain a credit score and report. After continuously fighting with Equifax within the last year and not being able to access my report or any financial serves due to no report or score available I was told once more one month ago on XX/XX/XXXX by another Equifax employee to mail in another copy of my Social Security Card and current ID. Once more I compiled with a certified letter to Equifax on XX/XX/XXXX. A few days latter the letter was received and signed for by Equifax and I had been advised to wait for 10 business days. It has now been well beyond this time and I still can not access my score, report or obtain any financing by a creditor. This is unacceptable and I feel as though I am being held hostage by Equifax, the representatives are rude and very hard to understand and I should not be subject to this treatment or behavior!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: EQUIFAX, INC.
State: PA
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 sent my letter off on XX/XX/2023. I told the Credit Bureaus to investigate every piece of information on the accounts I have listed below. I also have the tracking number for the letters because i sent them certified mail so that i can be sure that they have received them. According to the FCRA the Terms " Investigate Consumer Report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated that my account was verified, but how is that possible when they did not do a proper investigation according to the law? Also every piece of information on these accounts are still not 100 % accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

XXXX XXXX Account number : XXXX XXXX XXXX number : XXXX XXXX tracking Number : XXXX XXXX tracking number : XXXX Equifax tracking number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: EQUIFAX, INC.
State: NC
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/2022, I sent Equifax a certified letter disputing inquiries on my consumer report and I have no idea about and that I want them deleted. They did their investigation and everything came back verified but not supplying any evidence that I made these transactions. The law clearly states the following.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( Fair Credit Reporting Act CFR 604 ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates 15 USC 1681n Civil Liability for willful noncompliance ( Fair Credit Reporting Act 616 ) ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
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:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is my 2nd time reaching out to XXXX XXXX XXXX XXXX XXXX  ( the address attached to the company is Transworld Systems INC ) in reference to them incorrectly reporting a debt that is not mine. XXXX XXXX XXXX XXXX XXXX  ( Transworld Systems INC ) is reporting a fraudulent collection account on my Transunion report and it is effecting my negatively and it needs to be removed ASAP. I have requested that they provide me with information that they have that connects me with this debt and they have ignored me. I am requesting that XXXX XXXX XXXX XXXX XXXX ( Transworld Systems INC ) properly and legally VALIDATE this debt and show proof that it is my debt. I am requesting the following information : Please provide me with the following : What the money you say I owe is for : Please provide a copy of the signed contract Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: ALLY FINANCIAL INC.
State: SC
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:
ALLY FINANCIAL IS SHOWING ME LATE FOR A TRUCK THAT I PAID OFF AND HAVE TITLE TO THE TRUCK. THEY SENT LETTER ME SAYING THEY WOULD NOT SHOW DELINQUENT HOWEVER THEY REPORTED DELINQUENT TO CREDIT AGENCIES BY MISTAKE. ALLY FINANCIAL HAS NOT HELP TO CORRECT THIS PROBLEM THEY MADE. IT HAS IMOACT OM MY CREDIT SCORE. 
CAN YOU PLEASE HELP ME HAVE THEM CORRECT THIS AS I HAVE NEVER BEEN DELINQUENT. THANKS SINCERELY 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 2023-09-12
Company: Experian Information Solutions Inc.
State: PA
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : 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 explanation
Consumer complaint received 2023-01-07
Company: Experian Information Solutions Inc.
State: IN
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/1994 ; XXXX XXXX Balance : {$4900.00} ; XXXX XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX  XXXX Balance : {$2300.00}.

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 2021-05-28
Company: Revco Management, LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a bill from a new bill collector that I have been paying on thru the " original '' bill collector for the last several years. I have emailed them and told them that I was paying those bills thru PRC, and requested to know just what the deal was with this bill that I have been paying on for several years. I have been paying {$25.00} a month to the " original '' bill collector. I did not receive any acknowledgement of my e-mail, so I am going to send them a letter thru certified mail, detailing what I know about this situation. They are threatening me by what is said on the bill that in 30 days they will take out a judgement. Since they have not acknowledged my email, I am fearful, that I am going to be railroaded into a judgement even though I am paying on these bills. I do not think it is fair that my credit is penalized twice. If I am wrong, I have asked them to let me know just what the situation is. I have informed them through my letter that I am filing a complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-01
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: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized inquiries on my TransUnion 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
Consumer complaint received 2023-12-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Equifax and XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 

XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX Balance : {$62.00} XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX Balance XXXX {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
XX/XX/XXXX I called pennymac to inquire why I had fees assessed on my property after my SCRA protection was in place from XX/XX/XXXX. The agent confirmed that active foreclosure actions occurred a month after the foreclosure was halted. He later stated that those fees were supposed to be reversed and waived due to the SCRA under Section 203. After 15-20 minutes of talking to him talking to his supervisor, I was assured this case would be escalated to CARE 's to correct the monetary issue prior to recording the sale. XX/XX/XXXX I call in the morning to fin out from the customer rep that the complaint had only been put in that morning on XX/XX/XXXX. I again let them know the circumstances and the request i escalated due to the it being the day of recording. hours later around noonish of XX/XX/XXXX, I receive a call that a new payoff had been sent in with higher fees from interest. I call back and talk to a representative who identified herself as XXXX. She stated that everything that was previously stated by the first employee on XX/XX/XXXX was false and that there is a high possibility that he did not even speak. I again explained the situation and she stated this is just the way it is. When I brought up the SCRA XXXX stated that it only prevents a foreclosure from happening and when one is in the process the fees assessed continue to accrue. I mentioned that I believe the SCRA says differently under section 203. I also mentioned that their were active foreclosure actions taken after my SCRA was in place. These actions occurred almost a month after and she stated it was already scheduled to occur and that I was still liable for the fees. After my SCRA was in place I was assessed an estimated {$4000.00} of fees in winterizing the home, conducting inspections, turning on the utilities after they had shut it down, plumbing preservation, new locks for the home among others. All of this happened in or near XXXX which had been weeks after having my SCRA in place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-09
Company: HYUNDAI CAPITAL AMERICA
State: TX
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 just noticed my credit score plummeted from XXXX to XXXX in one month. Now I see I have 6 inquiries from a dealership XXXX XXXX to buy a vehicle. They promised the only had to run my credit twice. Now I see 6.

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 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX, XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX  XXXX 

These inquiries are unauthorized. I have attempted to resolve this with the credit reporting companies I was instructed to file an FTC report which I did and they still haven't corrected the issues.

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 2020-06-03
Company: Experian Information Solutions 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:
I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding item that is listed on my consumer credit report : Accounts Receivable Account # XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Credit bureau is violating my right as a consumer by furnishing inaccurate information on my report. 

Hard Inquiries XXXXXXXX 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 2022-09-20
Company: Experian Information Solutions 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:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, 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 by such agency of - ( 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. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).

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 2023-09-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Credit reporting 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, ( Capital One Account # XXXX ), has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section D2A ( I ) : the consumer report does not include reports containing information solely as to transactions or experiences between the consumer and the person making the report.

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

15 USC 1666B : Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by SECTION 1637 ( B ) OF THIS TITLE is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : BK OF AMER XX/XX/XXXX & XX/XX/2018 XX/XX/2018

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 2022-01-07
Company: Convergent Resources, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an account with XXXX  that was sent to a collection agency ( convergent outsourcing ). I made arrangements with the agency to resolve the debt in which they were on autopay so that the payments were made on time. From XX/XX/2021 I paid XXXX and until XX/XX/2021 I made arrangements of XXXX. I ended up paying it off early in XXXX of 2021. After paying off my balance the company went on to charge my card again in XXXX for {$370.00} and in XXXX charged it again. I tried to reach out to them but had no luck by phone. I decided to write an email and was then contacted. I was able to get a reversal on the XXXX payment and was told they would reimburse me for XXXX. To this day I have not received my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation