BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 haven't seen any deletion updates in my credit reports. And I am baffled as to why I have been sending Removal Request Letters upon letters with no updates. Aside the first time I got those said updates. This will be my ninth complaint as well. When will the XXXX, XXXX and TRANSUNION Credit Bureaus fix my credit reports? Please be professional and follow through my request of removal for these items below : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$3400.00} XXXX XXXXXXXX XXXX  XXXX Balance : {$870.00} XXXX XXXX Balance : {$2800.00} XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$870.00} XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX {$870.00} XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX XX/XX/XXXX XXXX XX/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 2022-12-20
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: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

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 2022-12-20
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

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 2020-01-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I received a payment on Saturday for {$1000.00} and when I attempted to Cash Out from XXXX and a search box populated for my bank and prompted me to enter my login information and this never happened before. Something seemed a bit strange so I said I would wait until Tuesday to see if the funds would hit my account they didn't. I checked my XXXX XXXX online and the funds were not available so I did a XXXX Search and I located the following number XXXX and a representative answered and asked if I had experienced this before and sent me a code and stated not to release the code to anyone and they were having server issues. He stated that my account needed to be verified and they would release the {$1000.00}. He knew the amount of the memo and the person 's name. He asked if I could contact the person that sent me the funds via the XXXX and verify the info so we did a three-way ; the " representative '' had the card number for which the funds were sent to me from XXXX and authenticated the sender 's info too. We ended the call and the " representative '' continued to say we needed additional verification. We contacted two additional parties I was becoming frustrated he was asking questions if the funds were there I was advising no and I was getting impatient. Anyway, long story short they hacked my XXXX account and impacted 2 of my family members/friends accounts for a total that exceeds {$5000.00}. The numbers that I have for the company is XXXX and XXXX. I contacted XXXX XXXX which is the owner of the XXXX number and reported the number for scamming and also contacted XXXX for the XXXX for the landline phone. I will also be contacting the Attorney General of New York.

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 2023-10-17
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
My account should not show any late payments because I have always paid on time. It is unacceptable to see late payments on my account, and I urge you to correct this error immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
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 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
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my continued 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 alleged fraud or extortion. 
XXXX XXXX XXXX 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 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 Balance : {$0.00} XXXX XXXX  XXXX Balance : {$17000.00} XXXX Balance : {$0.00} XXXX  XXXX Balance : {$500.00} XXXX Balance : {$190.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1300.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$670.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$17000.00} XXXX Balance : {$0.00} XXXX  XXXX Balance : {$500.00} XXXX Balance : {$190.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$670.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$650.00}

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 2022-04-01
Company: TRUIST FINANCIAL CORPORATION
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hi, I was a member of BB & T Bank, but the bank was taken over by Truist Bank. 

A credit account named " Constant Credit '' was created without my knowledge by Truist Bank, with a credit line of {$500.00} last year ( XXXX ). 

I have paid these debts and fees as of XX/XX/XXXX. I have attached the credit reports via XXXX proving so. 

I am still receiving calls for debt collection and additional fees, and late fees. 

The payments shown on the XXXX credit reports also show I have overpaid the debt amount. 

Please help, 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 2022-12-20
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:
This is my continued 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 alleged fraud or extortion. 
XXXX XXXX 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 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 Balance : {$0.00} XXXX XXXX  XXXX Balance : {$17000.00} XXXX Balance : {$0.00} XXXX  XXXX Balance : {$500.00} XXXX Balance : {$190.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$670.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$17000.00} XXXX Balance : {$0.00} XXXX XXXX Balance : {$500.00} XXXX Balance : {$190.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1300.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$670.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$650.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
THIS ACCOUNT WAS INCLUDED IN MY CHAPTER XXXX BANKRUPTCY ON XX/XX/XXXX AND THIS ACCOUNT WAS DISCHARGE UNDER MY CHAPTER XXXX BANKRUPTCY ONXX/XX/XXXX. THIS ACCOUNT IS NOT REPORTING CORRECTLY ON MY EXPERIAN CREDIT REPORT AND I HAVE DISPUTED THIS WITH EXPERIAN AND XXXX XXXX XXXX XXXX MANY TIMES. I AM NOT ASKING THEM TO REMOVE THE ACCOUNT SINCE IT PART OF MY BANKRUPTCY SINCE IT NOT DUE TO COME OFF MY CREDIT REPORT UNTILXX/XX/XXXX. THIS ACCOUNT NEEDS TO BE UPDATE CORRECTLY ON MY CREDIT REPORT. FOR EXAMPLE THE PAYMENT HISTORY GUIDE ON THIS ACCOUNT IS ALSO PART OF MY CHAPTER XXXX BANKRUPYCY AND IT NEEDS TO BE UPDATE AS PART OF MY DISCHARGE CHAPTER XXXX BANKRUPCY. THE PAYMENT HISTORY ON THIS ACCOUNT SHOULD NOT BE SHOWING ON MY EXPERIAN CREDIT REPORT. MY LATE PAYMENT AND MY CHARGE OFF ARE PART OF MY BANKRUPTCY WHICH IS INCLUDED IN MY BANKRUPTCY AND IT NEEDS TO BE UPDATED CORRECTLY. SECOND THE TERM 72 MONTH IS ALSO INCORRECTLY IT SHOULD BE SHOWING XXXX SINCE THIS ACCOUNT IS DISCHARGE AND THAT PART OFF MY CREDIT REPORT NEEDS TO BE UPDATED CORRECTLY. XXXX XXXX XXXX XXXX  AND EXPERIAN ARE NOT REPORTING THIS DISCHARGE ACCOUNT CORRECTLY ON MY EXPERIAN 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 non-monetary relief
Consumer complaint received 2018-05-11
Company: Aspen National Financial, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This creditor is reporting a negative debt against my credit report and has refused to debt it. This creditor is in violation of several consumer rights under the Fair Credit Reporting Act. 

According to the Fair Credit Reporting Act, I am entitled to notices concerning the reporting, handling and use of my credit information. Notice violations under this act occur when a creditor fails to notify you when it supplies negative credit information to a credit reporting agency and when a creditor fails to notify you of your right to dispute inaccurate credit information. Hence, this company is in violation of two different  consumer credit rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Portfolio Recovery has tried multiple ways to contact me. I have asked them to stop. I have even disputed them on my credit report. I am being harassed over {$460.00} that was taken care of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XXXX, XX/XX/XXXX ), ( XXXX XXXX XXXX, XX/XX/XXXX ), ( XXXX XXXX, XX/XX/XXXX ), ( XXXX XXXX, XX/XX/XXXX ), ( XXXX XXXX, XX/XX/XXXX ), ( XXXX XXXX XXXX ) , ( XXXX XXXX XXXX ), ( XXXX XXXX ) , ( XXXX XXXX ), ( XXXX XXXX XXXX ), ( XXXX XXXX XXXX ), ( US SM BUS AMIN XXXX ), ( XXXX ) I did not authorize anyone employed by these companies to inquire and view my credit report . This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2022-12-20
Company: Experian Information Solutions Inc.
State: PA
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 dispute registers mail with return receipt on XX/XX/2022. The credit reporting agencies did not do an adequate investigation within XXXX days violating 15usc1681e ( b ) ; 15usc1681i ; 15usc1681c ; 15usc1681n ; 15usc1681a ( 3 ) it is now XX/XX/2022, and the dispute still has not been initiated nor finished

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 2020-08-11
Company: HYUNDAI CAPITAL AMERICA
State: ND
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:
OnXX/XX/XXXX, I contacted a mortgage loan officer to get pre-approved for a home loan. My wife and I had sold our home and were interested in purchasing one on the market. While reviewing payment numbers, we were informed for a delinquent account on our credit report. The mortgage loan officer provided me with information to call and get more information on the account. I called and was informed about the delinquent account. My wife and I were unaware the delinquency existed. I immediately call the creditor and paid the balance of {$420.00} on XXXX and asked for the account to be removed from our credit report. The customer service representative informed me that I would need to call all three credit bureaus and dispute the account. I filed disputes with XXXX, XXXX, and XXXX. The disputed showed that the account was paid in full, but still delinquent. I work in the financial services sector with collection organizations. I reached to the the collection agencies we use at my job to get counsel on how to proceed. They informed me that the creditor is the only party that can remove a delinquent account. I called the company on XX/XX/XXXX. They informed me that they could not remove the delinquency without explanation. They told me to reach out to the dealership and obtain documentation from them on the miscommunication they had provided me when turning in the car. I obtained a letter from the dealership onXX/XX/XXXX. On XX/XX/XXXX, I mailed the letter from the dealership and the a request for the delinquent account to be removed from my credit report. On XX/XX/XXXX, I received a letter from the creditor stating the information was inaccurate and the dispute information is accurate as reported. On XX/XX/XXXX, I called the creditor. I spoke with a women and she told me that due to there policies and procedures, they did do not remove accounts from credit reports. I told her that I have provided the information requested from previous calls. She informed me that this is the dealership 's fault, they provided me with incorrect information. I replied that the dealership takes ownership for the issue as stated in the provided letter. She replied that they would not remove the delinquent account. I am providing documentation to confirm all of this communication.

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 2023-04-20
Company: CNG FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
They called me over 4 times in under an hour on XX/XX/23 between XXXX from XXXX. Claim to be XXXX XXXX. They claimed they have me on camera in my XXXX uniform walking inside of a check and go.. first off, my job doesn't have uniforms and I don't have a XXXX uniform. 
XXXX off, there is no check and go here. XXXX, he cussed at me, called me stupid and named off all my personal information, threatened to have my wages garnished and some more. 
I've never received a letter in the mail of any documentation of this. I've never walked inside a check and go. Don't even know what a storefront looks like but there's none around here in this small town. I am tired of them harassing me.

Company response to consumer: Closed with explanation