BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-28
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: Reporting company used your report improperly

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove it 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 2022-03-02
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:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 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 Equifax, XXXX and XXXX data breach and XXXX have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19
Company: ARVEST BANK GROUP, INC.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home was flooded and later condemned due to damage in 2016 flood.According to my contract the insurance funds had to be used to pay off the loan once we notified the mortgage company the home was not repairable.The insurance company did not apply the funds directly as stated in our contract but made us write a letter asking us to submit a formal letter asking them to '' please pay off loan with the funds and send us remaining balance if any '' .We now need a letter for Restore Louisiana saying that was what actually took place to get government aid to rebuild a new home and they refuse to give us this needed letter.They sent us a letter stating we were advised by them we could use the funds to pay off the mortgage or repair the home, which was not true, because the home was condemned. They also stated in this letter that we asked them to pay off mortgage with the funds, which we were forced to do before they would use the funds.They actually held these funds and sent us a past due statement until the received this letter from us and applied the funds towards mortgage.I have proof in the form of letters, emails, and contracts that all they above statements are true.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Equifax is not reporting my information correctly on credit file. My social security number is missing on Equifax credit file. Starting from XX/XX/2019, I have sent multiple documents to Equifax in order to update my SSN, including a proof letter from Social Security Administration, Driver 's license, and cover letter of problem statement. However, agents from Equifax said they couldn't make the updates and couldn't disclose the reasons. I think it is unreasonable and irresponsible so I need Equifax to investigate and update my SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, Transunion, and XXXX keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

*According to 15 USC 1681 ( 5 ) XXXX XXXX Transunion XXXX and XXXX have to modify or delete accounts that are not reporting accurately *According to 15 USC 1681b ( 1 ) XXXX, Transunion, and XXXX don't have no written premission *According to XXXX XXXX XXXX I have the right to privacy *According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( it ) the information is, in fact, inaccurate. 

I can go on and on XXXX, Transunion, and XXXX have no respect for the laws. 

Someone needs to hold them accountable for this

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 2020-03-29
Company: Experian Information Solutions Inc.
State: AR
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:
Report # XXXX was sent to me dated XXXX from Experian Consumer reporting agency in regards to a fraudulent dispute I submitted to Experian for accounts XXXX XXXX  acct # XXXX and XXXX # XXXX. This is the 3 attempt in the past 2 months someone has opened a fraudulent loan account in my name. After realizing my identity once again had been compromised I immediately followed specific instructions from the local authorities and completed and identity theft report which also included fraudulent inquiries from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX. My file still contains fraudulent addresses that were disputed over a year ago which are XXXX XXXX XXXX and XXXX XXXX XXXX. In addition to identity theft report I specifically requested Experian to remove all other fraudulent addresses from my credit file which are still currently displaying as of today. Experian has deliberately ignored my request after receiving all necessary supporting documentation and has the audacity to include on the dispute results page 1 of 8 " If you believe you were a victim of fraud, you may contact your local law enforcement agency to make an identity theft report '' which is exactly what i did. Experian has and continues to violate Sections 605b, by not blocking the fraudulent associated accounts after being notified within 4 days, section 609, and 611 of The Fair Credit Reporting Act. I find this totally unacceptable as a consumer and If this issue is not resolved I will be forced to file suit. Any individual who has access to my personal information would be able to portray themselves as myself and Experian has failed to provide any significant physical verification obligating me to the fraudulent accounts, addresses, and inquiries listed above. The data furnisher or e-oscar automated verification is not considered to accurate verification just verifying a consumers name, address, and social security number.

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 2023-12-12
Company: BARCLAYS BANK DELAWARE
State: KY
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I filed a complaint with you guys... complaint # XXXX and Barclays got you guys to complete and close the case by submitting a response to you and than mailed me a different response... it was a letter stating they were closing the dispute and it was addressed to me, about a dispute from XX/XX/22 for a company I have never done business with- '' XXXX XXXX XXXX and an amount that was XXXX and my dispute is for XXXX XXXX. When you call Barclays about all this ... .yet again... XXXX.you cant hardly understand the people and its just one big repeating themselves of the same that they say each time... ..please reopen case or stat a new one for this dispute. I have attached the letter that has nothing to do w/me or my statements ... .ever w/Barclays. This letter is also a complete different response they said to you, to get you to close the case... .per your advice, I have also filed a complaint XXXX FDIC this morning

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 2022-10-29
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the 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 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$4900.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3800.00}.

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 2023-08-16
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 remain on my credit report in violation of Federal Law. 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. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 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 CORRECT or DELETE all information which can not be verified. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX & XXXXXXXX XXXX XXXXXXXX

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 2022-04-13
Company: EQUIFAX, 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 have been trying to get my report updated that I do not owe XXXX XXXX after we have settled the account. It is still reflecting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XXXX XXXXXXXX XXXX, I was approved for a loan by Citizens XXXX to cover the cost of items I personally purchased from a merchant by the name of XXXX XXXX. Days later, I received my order from XXXX XXXX, but I noticed that some of the items were missing so, therefore, I decided to contact the merchant, XXXX XXXX to receive credit or get the items missing to be shipped to me again. XXXX XXXX, never issued a refund to my account, and the missing items were never delivered to my address. 

On XXXX XXXX, XXXX, I received a notification that my account with Citizens Pay was closed due to fraud and identity theft. I immediately contacted Citizens Pay, and a customer representative by the name of XXXX informed me that XXXX XXXX, had reported my account as fraudulent and he informed me that I should dispute this issue with them. I spend close to 45 minutes on the phone with XXXX XXXX and they informed me that Citizens XXXX had flagged my account for fraud and identity theft and that I should have contacted Citizens XXXX and not XXXX XXXX. 

After another XXXX minutes on the phone with the same representative from Citizens XXXX, XXXX, then informed me that I had to send an email to XXXX in order to get this matter investigated. I wish he would have informed me of this and not been so dismissive when assisting clients. Nonetheless, I inquired into the reason why my account was flagged for fraud or identity theft if I did not report it as so. A manager by the name of XXXX from Citizens XXXX, also instructed me that I should email them, and she did not know why my account was flagged for fraud. 

I never reported fraud on my account, nor did I file an identity theft on my account with Citizens XXXX. Thus, their erroneous information caused the credit line I had with Citizens XXXX to close and my credit score to drop as a result of their erroneous information. 

Please be aware that I did purchase the items from XXXX XXXX, my only dispute with them was that I was missing items from my original order and I was never given any credit for those missing items. In addition, Citizens XXXX incorrectly coded my account as fraud and their negligence caused my credit score to drop and for my credit report to contain false information which is a violation of the FCRA. 

I attempted in good faith to resolve this matter with both Citizens XXXX and XXXX XXXX, but both companies just kept bouncing my call from one representative to the next. 
I want Citizens XXXX, to reimburse me for the missing items I did not receive from XXXX XXXX and to correctly report to the credit bureaus that my account should have been in good standing and not have been closed since there was no fraud or identity theft incurred with my credit file or my account with Citizens XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: Flandreau Santee Sioux Tribe
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I sent a revoke authorization of payment to 605Lending and XX/XX/2021 I received a email from the lending company saying they received the authorization and would stop taking out automatic payments. I also did a stop payment with my bank. XX/XX/2021 a check was written from my account in the amount my monthly payments were from this company. I dont write checks or own a check book. I called my bank it is currently being disputed for fraud to get my money back. In mid XXXX I let the company know of my situation financially and that I was out of work they didnt want to work with me. But writing a fraud check to get their money is illegal and if it isnt fixed Ill be taking legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: CA
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:
Dear Equifax I see that you continue to violate my rights and the law by constantly verifying the un-authorized inquiries listed below. 

XXXX XXXX : Account number : XXXX, Did not authorize extra fees and charges. Contact the collector and have them remove this. 

XXXX XXXX : Account number : XXXX, Did not authorize extra fees and charges. Contact the collector and have them remove this. 

XXXX  XXXX : Account number : XXXX, Did not authorize extra fees and charges. Contact the collector and have them remove this. 

XXXX  : Account number : XXXX, Did not authorize extra fees and charges. Contact the collector and have them remove this. 

In my last letter I gave you the new and relevant information ( proof that the creditor did not have authorization ) you needed to conduct your investigation. Yet you still verified these inquires. Its troubling that your company continues to violate the law and hurt consumers on a daily basis. The law is clear, if the creditor does not have permissible purpose to pull a credit report, they cant pull. You have failed your responsibilities to me as a consumer and I will explore all legal options that are afforded to me under the law. 

Because of your willful non-compliance, I will be filing more complaints with various organizations. I will also be seeking legal advice on this matter. 

CC : FTC, Attorney Generals Office, XXXX, CFPB

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14
Company: General Motors Financial Company, Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
XX/XX/ my consumer credit application was declined/denied by GM Financial . The credit application was for a vehicle. They also referred to the application as a loan and NOT a consumer credit transaction and would NOT let me speak to a supervisor at all. The company is in violation of 15 USC 1602 by NOT recognizing me as the consumer/creditor. GM Financial is also in violation of 15 USC 1611 for giving me inaccurate information regarding the nature of the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
Company: Grant Mercantile Agency
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been going back and forth with this collection agency and XXXX credit bureau about a collection that is not mine. Grant Mercantile Agency has a collection for {$55.00} and they refuse to remove it. Every month they have been adding on {$1.00} to the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ***** XXXX, XXXX XXXX XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer Reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: Alpha Recovery Corp
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Alpha Recovery Corp contacted me on XX/XX/22 regarding an alleged debt. I responded the same day with a written letter requesting additional information. Alpha Recovery Corp has failed to respond to my letter.

Company response to consumer: Closed with explanation