BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-04
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: Investigation took more than 30 days

Complaint:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: IL
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:
I am a victim of identity theft please remove this fraud inquiry 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
Consumer complaint received 2023-04-19
Company: Exeter Finance Corp.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
The company acted in a fraudulent manner which caused me to make an uninformed decision. Therefore, I am exercising my right to rescind the credit transaction pursuant to 15 U.S. Code 1635 and 12 CFR 1026.15 - Right of rescission. 

The company did not provide me with adequate disclosures as the Truth in Lending Act requires. The company did not clearly and conspicuously disclose to me the terms for the annual percentage rate and the finance charge and all that it includes. 

The company did not clearly and conspicuously disclose to me the options available to me for insurance or that the insurance is supposed to be included in the finance charge. 

The company did not explain that I had a right to rescind the transaction until midnight of the third business day following the consummation of the transaction or the delivery of the information and rescission forms required under this section together with a statement containing the material disclosures required under the Truth in Lending Act. 

The company charged me a down payment which is not a requirement in a consumer credit transaction. 

The company has caused me damages to my family due to omitting and withholding information, and using fraudulent, misleading and deceptive practices to coerce me into entering a fraudulent agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Experian Information Solutions 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:
XXXX XXXX and Experian Rent bureau are incorrectly showing a rental amount as outstanding that for XX/XX/ that was paid on time before the date required on my rental lease. This was resulted in me being out of pocket approximately {$500.00} due to application fees for rentals. I am consistently being denied due to this error while on a timeline to move due to a medical XXXX. XXXX XXXX refused to give me any information on my dispute, despite me having submitted documentation on XXXX providing this was false. I was denied for a property I very much wanted based on this information. I am also trying to refuse it with experian.

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 2021-01-04
Company: EOS 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: Account information incorrect

Complaint:
I am in the process of securing a VA mortgage. I checked my credit report and it shows 1 ( one ) collection account with EOS-CCA for {$1700.00} toXX/XX/XXXX XXXX, NY. On XX/XX/XXXX I contacted XXXX XXXX billing office to get a definitive total owed. Talked with C/S rep XXXX and she gave the amount owed to EOS-CCA {$320.00}. I contacted EOS-CCA XXXX XXXX XXXX XXXX # XXXX, XXXX, NY XXXX the same day and spoke with C/S rep XXXX. XXXX informed me I owe EOS-CCA {$2500.00}. I asked her to send me an itemized statement of the charges and dates. Called EOS-CCA XXXX, NY on XX/XX/XXXX to inquire about the itemized list. C/S rep wouldn't give his name but said the list was mailed out. To date I have not received the itemized list. I also filed a dispute with XX/XX/XXXXfor 9 ( nine ) amounts on my report. On XX/XX/XXXX I called XXXX XXXX to get an update on my charges because I had paid a previous bill on XX/XX/XXXX for {$30.00} and XXXX XXXX stated I now owe EOS-CCA {$290.00}. I called EOS-CCA XXXX XXXX XXXX XXXX XXXX, MA XXXX on XX/XX/XXXX, the C/S rep would not give her name. She stated I owed EOS-CCA {$2500.00} and she insisted I set up a payment plan right then over the phone. I explained that EOS-CCA is the only collection listed on my credit report and according to their client XXXX XXXX, who I had just spoken with that morning, the amount is incorrect and not owed. I then requested she mail/send me an itemized list of the charges. She requested to put me on hold because " I want to check something ''. I agreed. She returned 5 ( five ) minutes later to verify my address and said the list will be mailed out. Also, I went over the amounts line item by line item on my credit report with XXXX XXXX XXXX and the dates. ALL dates and amounts on my credit report are XX/XX/XXXX. XXXX XXXX stated the amounts and dates are incorrect and not owed to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 filed a dispute with Bank of America on XXXX.i informed Bank of America that I am disputing their claim.moreover I requested that Bank of America supply me with copy of the contract with my authentic signature.Bank of America never provided a copy of contract with my authentic signature and continue to report this account to the credit reporting agency.this account should have been deleted off the CRA files.further more the fair credit reporting act regulates how creditors handle consumers dispute.the statue states that when a consumer disputes any item the creditor should conduct a reasonable investigation within 30 days to determine if the challenge item is correct.after 30 days have expired if creditor have not completed the investigation the disputed item must be deleted.finally Bank of America failed to report the dispute to the CRA which is a violation of the FCRA section 623 and carries a find of XXXX dollars

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 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

here is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


1. The inquiry was not authorized XXXX Date of inquiry : XXXX Please remove this inaccurate information from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information 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 non-monetary relief
Consumer complaint received 2022-03-18
Company: Experian Information Solutions Inc.
State: LA
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:
This is my next stop to get the corrections needed on my credit report. About 4 letters and 2 phone calls each have resulted in no corrections so far from Experian, XXXX, and XXXX. LATE payments listed on XXXX to whom just took over the account is not correct. Personal informations listed that I have never resided. The incorrect reporting to my credit file has cost me a promotion and stopped me from growing with the company I work for. This is wrong and I demand it be corrected.

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 2023-11-10
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: Reporting company used your report improperly

Complaint:
In accordance with The Fair Credit Reporting Act. This account : XXXX, # XXXX {$340.00} has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The Numbered Account attached to this dispute violates my rights.

15 USC 1681, section 602 A. States I have the right to privacy.

15 USC 1681, section 604 A section 2 : it also states, a consumer reporting agency can not furnace an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) section states ; no, consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 USC 1681 s ( A ) ( 1 ) a person shall not furnished any information relating to a consumer to any consumer reporting agency if the person knows or a has reasonable cause to believe that the information is in accurate. ( Incorrect Address ) may include ( Name Inaccuracies )

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 2023-04-19
Company: JPMORGAN CHASE & CO.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I deposited a check and on XX/XX/XXXX Chase Bank put a hold on my check, I called and sent XXXX messages. I was told that an extended hold was placed on my check, and that I would receive an explanation via Chase messages, I never received anything and I had to keep calling for them to remove the hold manually and when they agreed they did it because they could not figure out why a hold was placed. 
On XX/XX/XXXX I deposited a check and noticed that no funds became available. 
I called, tweeted, and went into a bank, and was told over the phone by the holds department that they have the right to place a hold on my check for no reason, and they do not have to tell the customer why a hold was placed on their money. Today is XX/XX/XXXX and a hold has been placed on my check for no reason. I have worked for the same company for about 11 years, and deposited my checks bi-weekly for around 11 years. My account is in good standing, and nothing has changed with my employer 's checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
To whom is reading this. I am writing this because I am being told by XXXX and transUnion that somehow I am not a real person who's writing to them and all this nonsense. I tried calling all 3 credit bureaus and could not get anyone on the phone to speak to. I sent in my ID and social security card along with a fraud report and was told Im a liar and its not me. I don't know what these crazy people want me do to prove its me. I am the victim of identity theft and someone stealing my information and now I'm being treated like the criminal and its not fair at all. I don't know who stole my information and for all I know it can be the same companies asking me to keep sending them my information. These companies should have already received my paperwork that it was fraudulently opened and I don't know how in the world they would expect me to pay on something that was not mine. If I have to, then I will just also report this to the better business bureau and also the Attorney General for help with this issue. I already see that these 3 companies are being sued almost every day for their fraudulent business practices themselves. I would just like for this fraudulent information to be investigated and taken off my report because its not mine. these companies wrote me letters saying they sending it to the company to investigate if its mine or not and my question is, how in the heck are they going to know if its mine? nor do they even care to spend the money and investigate my issues. They just want me to be a XXXX XXXX XXXX and pay the money for any fraudulent account that shows up. So their investigation will not be in my best interest anyway. Please do the right thing and remove theses fraudulent accounts from my report, because having to hire a lawyer to get it off and then sue is just a waste of my time and their time and money. Thank you for listening and my apologies for my rant, but this is just ridiculous I documented a fraudulent report and then then tell me I'm lying, its very unacceptable.

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 2023-11-10
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: Reporting company used your report improperly

Complaint:
In accordance with The Fair Credit Reporting Act. This account : XXXX XXXX XXXX, Acct : XXXX {$1700.00} has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The Numbered Account attached to this dispute violates my rights. 

15 USC 1681, section 602 A. States I have the right to privacy.

15 USC 1681, section 604 A section 2 : it also states, a consumer reporting agency can not furnace an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) section states ; no, consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 USC 1681 s ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or a has reasonable cause to believe that the information is in accurate. ( Address Inaccurate )

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 2022-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
6 inquiries on my credit report that I did not authorized need to be deleted and im resubmitting this because i forgot to attached my FTC

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 2022-12-18
Company: WESTERN UNION COMPANY, THE
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I discovered that someone is using my phone number to send money Western Union I have found this person connected to my XXXX XXXX and XXXX XXXX accounts the person 's name is XXXX XXXX  the phone number is XXXX and I discovered this with Western Union XXXX send me money to people with my phone number I have had this phone number since XXXX of 2021 I have known that it has been ported out or cloned or whatever it is a XXXX number currently XXXX XXXX because I ported the number to XXXX XXXX  a couple months ago this is also a part of the huge identity theft I'm going through and have been for 2 years I need a lawyer I need help I need someone to help me to find a lawyer so I can acquire and have this come to an end

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
XX/XX/2023 XXXX XXXX XXXX - {$1.00} & {$290.00} XX/XX/2023 XXXX XXXX XXXX - {$200.00} I called the bank to let them know this man had asked me to XXXX XXXX for deposit and pro-rated rent. As I explained to my bank this man is a fraud and has pretty much hacked me but they said they could not do anything about it. I was asking they get my money back but they said they could not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: Statebridge Company
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The servicer for my second mortgage is claiming that they are still going to report a 30 day late ( previously a 60 day late that they did fix on my credit report ) for a late payment that was due XX/XX/2020 and not paid until XX/XX/XXXX. This payment was not able to be made due to the co-borrower on the loan being locked out of being able to pay though the online website, unable to have anyone from Statebridge answer the phone, and past payments being lost by Statebridge. When the co-borrower tried to have this resolved and was able to actually have someone from Statebridge answer the phone they stated to her, that they would not be able to help her because she was " not on the loan ''. This was only resolved months later when they put the co-borrower on the mortgage in their system as a co-borrower. She made every attempt to pay - frantically called with no one answering, locked out of the website, emailed, and was told she was not on the loan and could not pay over the phone. Sending in the check would not have helped because of Statebridge losing payments, only correcting the matter over a year later with Statebridge refunding the late charges of receiving a " late payment '' that was, in fact, not late but lost by this company. Every attempt was made to make the payment, but it was either impossible or rejected by Statebridge, none of which is the fault of myself or the co-borrower so it should not reflect on either of our credit reports and needs to be corrected by Statebridge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

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