BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
On XX/XX/2022 I received a call from XXXX XXXX asking for XXXX XXXX and when I identified myself as XXXX XXXX they said they were XXXX XXXX and my account was past due and asked for my DOB to verify my identity. I figured it was a scam so I ended the call. Checked my credit report and found I indeed had a XXXX XXXX XXXX  DBA XXXX XXXX showing up for a {$3000.00} loan balance. I have never heard of this company before so did some research and found they send out preapproved loan post cards regularly to people. I'm assuming someone got one of these with my name and took advantage of Balance Credits sloppiness. For the last year I have tried to explain I have no need for their business, and have not done any business with them EVER. The first people I talked to there did some research for me and agreed, it was not me and it was sent to a bank that I do not bank at ( they would not disclose where it was, but foolishly I told her my bank name and she said that was not it so I know it was not mine ), and an email account with Outlook which I do not have any personal Outlook email addresses. They have been unwilling to help me even though they know this is not me. It is ruining my credit, and now my interest on anything I buy is sky high and I want them held accountable for their actions.

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 2023-09-27
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I dispute the debt for validation, the consumer could not provide me with validation but only to send me a statement.I requested a signature contract proving that I allegedly owed them a debt and asked them to cease and desist collection efforts and to remove any negative remarks from my credit report. The consumer also shared my personal information without my written consent with another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: EQUIFAX, 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:
In XX/XX/2022 I contacted XXXX and started a dispute to correct my personal information. I also started a dispute regarding incorrect information being reported on my consumer file. It is now XXXX and none of the request to remove the incorrect information has been corrected. In fact after speaking to a representative I was told that the information I disputed was certified as correct. I will attach copies of my report prior to the dispute, an updated report according to XXXX and my current report I just pulled a few days ago. You will see that the report came back as updated and certified however the information remains the same with no updated information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
Company: Experian Information Solutions Inc.
State: MN
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:
Yesterday I am paying bills, called XXXX cause I Looked at my bills and again like last month it has fees on it that I did not understand, so like always I call XXXX and they say that Experian has closed my XXXX account, I said what. What does experian has to do with my XXXX account. I know XXXX told me several months ago they would reduce my credit limit from XXXX to XXXX i was fine with that until I get the bill down. When I contacted them last month, expecting to pay them XXXX dollars or so the automated teller said XXXX so I paid the XXXX. There was the XXXX dollars on the statement then but I thought I guess they know what they are doing I will just pay what they suggest. The XXXX dollars. Now yesterday I called to see why the XXXX is still on the statement and they tell me that the account is officially closed by Experian. I am confused and the young lady said, she hated having to tell me and other customers this information because XXXX has not allowed the customer service staff to see whats going on so clients can know when they talk to customer service people. The accounts originated with XXXX how can clients accounts then can only be discussed with experian and closed by experian with no 30 day warning to rectify or change anything. Isn't experian a credit reporting agency how do they get the authority to view and close my account, I don't even understand. And why is it that the company I open the account with does not close the account but a credit reporting agency does. I will do my best to pay XXXX off in the next few months and have them out of my life.

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 2023-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: BANKERS HEALTHCARE GROUP LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Today XXXX once again I would like to ask this company to stop targeting me, I do not want to be contacted by this harassing junk mail. On XXXX XXXX I stablished a complaint against Bankers Healthcare Group XXXX OFFICE. XXXX XXXX XXXX XXXX. XXXX, FL XXXX. T : XXXX. F : XXXX This company refuses to acknowledge my request or to respond my complaint. At florida department of agriculture case # XXXX This company its using my name and personal information for marketing and solicitation. I just don't understand why this company is harassing me with unsolicited and never requested mail and loan offers. How this company got my information, what gives the right to this company to use my name and address. 
This company needs to respect the fact that my name is at the three credit bureaus and XXXX XXXX XXXX -out list and every credit bureau op-out list to included also the DMA. 
Please ask this company why they don't respect that, and Im pretty sure they're excused will be that my name got obtained out public records. I would like to know where? 
Please stop remove my name out their data base, and ask every marketing company not to use my name. I'm a handicap, I'm a war veteran and also I'm a senior citizen being target by this junk unsolicited mail. 
I had never requested, and I will never ask for this junk unsolicited mail to have my personal information in it. 
Please see the attached evidence

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
PNC Acct info : Reserve - short-term savings XXXX - {$390.00} PNC says they will close my account - This is the acct that I use, this is my only acct - how will i pay my rent, how will i pay my bills, I tried to work things out with them but they refuse. 
Can you help I'm currently a XXXX and I have really tried to call, and speak with the reps, I've tried to email the manager - No response

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
Company: CORELOGIC INC
State: KY
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:
Inquiries placed on my credit report without my doing during XX/XX/18 - present

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 2023-12-11
Company: EQUIFAX, INC.
State: MD
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: Investigation took more than 30 days

Complaint:
On XX/XX/ ( and many disputes before that ) I have submitted disputes on these four XXXX XXXX accounts. Two of the accounts are not mine and the other two are reporting inaccurate information ( all four accounts are to be honest ). I have seen numerous disputes and have not received NOTHING back from the CRAs about my dilemma, I even tried calling and either I was hung up on or they do not try to hear my plea on how I have been wronged. The accounts that are in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-04
Company: Experian Information Solutions Inc.
State: TN
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 have the following issues with XXXX, Experian, and XXXX XXXX. I am unable to access and temporarily remove the credit freeze on my accounts so that the Social Security Administration can verify my identity. I have asked that each of the three credit bureaus provide me current passwords to unfreeze my account. Second, I have been told I need to identify myself and have provided the attachments to self-identify. Third, my ultimate purpose is to have the fraudulent XXXX accounts removed from my credit reports. XXXX has forgiven the debt, written off the account, and issued 1099. I filed each with my tax returns. I have repeatedly indicated those accounts are not mine, were never mine, and that I never benefited from those accounts, I repeatedly indicated to XXXX that it was my belief my former spouse fraudulently opened the accounts in my name and if they were used, HE then used the accounts. I never used the accounts. During the course of our marriage, my former husband was XXXX XXXX and XXXX, kept hidden accounts, and was plagued by gambling creditors inside and outside the United States. Those days are behind me and I want to move forward with my daughter, buy a home, and be left alone. The XXXX accounts are nearing their 7 year expiration period and I am asking that each of the three credit bureaus remove them from my account. Please provide me an updated credit report from each agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On or about XX/XX/2021, Barclays closed my Account No. XXXX. On XX/XX/2021, I called Barclays to get my reward balance of {$32.00}. Barclays refused by imposing minimum redemption requirement of {$50.00}. 

Barclays chose to close the account for non-activity ; I should not be forced to use my credit cards if I do not want to!! Furthermore, it is unfair for a financial institution to impose the minimum redemption requirement on a customer, especially on the purchased that were made months or a year ago and rewards were fully earned.

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 2018-06-27
Company: Experian Information Solutions Inc.
State: NV
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 went to a XXXX store in XXXX XXXX to ask about some offer they were having, the XXXX person convinced me to check my credit for the product I was interested in, on the promise from her that it would be a soft credit check that wouldn't generate an inquiry. XXXX minutes later I had an alert from Experian that I had an inquiry from XXXX, after being promised that that wouldn't happen.

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 2023-09-27
Company: DFC Global Corp.
State: FL
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 was a victims of identity theft from the XXXX data breach and my social security number and other personal information was leaked. I do no recognize this inquiry on my report and am requesting that it be removed from all three reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to the 15 USC 1681i ( 5 ) The credit bureaus said everything was complete and accurate but the reporting dates are wrong each account has been closed due to fraud.

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. 
Account # XXXX XXXX XXXX XXXX OPEN XX/XX/XXXX CLOSED XXXX XXXX ACT # XXXX OPEN XX/XX/XXXX CLOSED XXXX XXXXXXXX XXXX XXXXXXXX # XXXX OPEN XX/XX/XXXX CLOSED XXXX XXXXXXXX XXXX XXXX # XXXX OPEN XX/XX/XXXX CLOSED XXXX XXXX ACT # XXXX OPEN XX/XX/XXXX CLOSED BY COURT ORDER SETTLMENT 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.

15 U.S.C 16 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.

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.

15 U.S.C 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 conviction of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is 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 non-monetary relief
Consumer complaint received 2020-08-03
Company: Diversified Adjustment Service, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The debt accounts on my XXXX accounts shouldve been removed. These accounts were fraudulent and I disputed them on multiple occasions with all credit agencies. They were removed from the others but not XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2020-11-09
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
XXXX XXXX, a salesman along with the finance XXXX XXXX XXXX from XXXX XXXX Dealer ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) scammed us with many wrong information. 

1 ) XXXX asked us to come to the dealer and finished the buy out my leased vehicle and that was a must. It's wrong since we can handle it via customer service instead of going to them. They failed to mention they charge extra fees for processing the docs. They didn't even disclose it on the docs. 

2 ) XXXX told us he needed our SSN even though we already had an approval loan from my credit union. He also said he won't initiate a hard inquiry on our credit reports. He lied and scammed me. 

3 ) XXXX told us the buyout amount on Kia finance website quoted us did not include the sales tax. It's a lie because it included the sale tax. ( almost plus 10 % more on top of the final buyout we suppose to pay ) KIA Finance customer service confirmed it. The difference was about {$2000.00} which is not small. 

4 ) XXXX, charged us {$300.00} fee and {$450.00} final check fee. Per the lease contract, if we buy out the lease at the originating dealer the dealer fee would be waived. XXXX denied such agreement even though it's in our contract. We brought our car in for the periodic inspection and oil change. However they still wanted to charge {$450.00} for " making sure it's safe to release ''. We said there was no need for checking since it's already been checked at the oil change. On a side note, another nearby dealer would only charge {$250.00} and they were willing to waive it since we just got our car checked. 

They scammed us many above issues and damage my credit report with unnecessary hard inquiry. We cancelled the deal after finding out about their lies. We asked them unground my car so we can finish the buyout process with Kia Finance Customer Service but they sill haven't done it an entire week later.

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 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On following date my credit reports show this company exposed my reports for non permissible purpose with out my consent. I have contacted multiple times and company insist that there is nothing they can do. 

XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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