BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
THE FOLLOWING ACCOUNT WAS SUPPOSED TO BE REMOVED AS IT WAS PART OF A MULTI STATE SETTLEMENT, XXXX XXXX XXXX. THIS BANK SETTLED TO CLOSE LOAN COMPLETELY AND REMOVE FROM ALL CREDIT REPORTS. IT WAS ALREADY REMOVED FROM OTHER BUREAUS, BUT STILL SHOWING IN TRANSUNION. CURRENTLY UNDER DISPUTE SO IT CAN BE REMOVED. I ALSO NOTIFIED XXXX XXXX XXXX DIRECTLY, and no response was given. IT IS NOT A A CHARGE OFF.

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 2022-04-27
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Received a letter From XXXX collecting debt from a credit card company that an account was opened using my identity. I requested documentation XXXX XXXX  did not provide. XXXX XXXX 's letter states I will experience tax consequences which that language is 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 explanation
Consumer complaint received 2022-04-27
Company: Lendmark Financial Services
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I purchased a XXXX XXXX XXXX in XX/XX/XXXX a month later the motor blew out. And found out that XXXX XXXX was shut down for embezzlement and fraud. The vehicle was financed through Lendmark financial agency. I tried to contact the corporate office, and I feel as though I shouldn't be held responsible for the car, and I think that XXXX XXXX  knew that they sold me a lemon. I'm a struggling man on XXXX, and I'm not getting any service out of the vehicle, and I repeatedly told Lendmark financial agency to come and get the vehicle. I have told Lendmark financial agency when the vehicle broke down, to come and get the vehicle, and they refused to get the vehicle, because they knew the vehicle was inoperable, and now they are telling me that the lien, and now they are telling me that they do not know who has the lien on the vehicle, and it was released from Lendmark financial agency in XXXX. And now I don't know what's going on, what do I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Experian Information Solutions Inc.
State: FL
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:
Despite multiple disputes, XXXX continues to willfully and wantonly violate the FCRA by refusing to report to every CRA that my account is DISPUTED BY CONSUMER and CLOSED BY CONSUMER. Moreover, XXXX has failed to timely report payments including my payment of {$100.00} received on XX/XX/XXXX/22. Failing to comply with the requirements to report accurate and complete data and to mark my account as CLOSED and DISPUTED constitutes 3 separate willful violations entitling me to {$3000.00} in statutory damages. On XX/XX/XXXX22, XXXX wrote stating We understand that you believe the bank is inaccurately reportingto the credit bureaus and you believe that the card should be reporting as closed per your request on or about XXXX/22Lastly, during your XX/XX/XXXX22 call you requested to close the card. As a result, our agent restricted the cardhoweverthe account will not close until the balance is paid in full. I diligently made multiple demands to close my disputed account but XXXX has illegally refused to meet its obligation to report to every CRA documenting my account as both Closed and Disputed. Clearly, I closed my account, before the normal XXXX/XXXX/22 CRA dates but XXXX knows its obligations to report my account as closed and disputed but it nonetheless intentionally violated its statutory obligations. Attached are excepts from my Experian and XXXX reports of XX/XX/XXXX and 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 explanation
Consumer complaint received 2022-04-27
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:
I received an email alert from XXXX XXXX providing me with notice of a hard credit -Credit Inquiry Alert - from XXXX  XXXX XXXX on XX/XX/2022. This was not me. I have contacted XXXX XXXX and XXXX XXXX XXXX. They directed me to Equifax who stated they show there was an inquiry on XX/XX/2022 from XXXX XXXX XXXX. They were unable to provide me with proof of who authorized this hard credit inquiry. This dropped my credit score almost XXXX pts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
They have been sending me emails everyday threatening to sue me or have me put in jail for i dont pay debt i own i lost my income so i am unable to pay the collection i date have the dates but this situation have really put me in a XXXX really bad and the fact that i can pay the collection {$600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: Grain Technology, 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: Their investigation did not fix an error on your report

Complaint:
I reached out to Grain Technology via email and they have not responded into updating my report to correct the incorrect reporting status on my credit reports. My grain account is paid and full. I paid the full balance of {$82000.00} on XX/XX/2023, I have tried contacting this company and they never respond or when they do its weeks later. They still have not updated my reports showing account paid in full. I would very much like to get this resolved as quickly as possible as I have been experiencing XXXX  XXXX  since trying to contact this company. And in there statement email it says they promise to get a response to you in 2 business days its been almost 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
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 writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.

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 2022-11-02
Company: Experian Information Solutions 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: 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 willful 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 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 2023-02-14
Company: Experian Information Solutions Inc.
State: DE
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 3 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2022-04-27
Company: Experian Information Solutions Inc.
State: FL
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:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. 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
Consumer complaint received 2022-11-02
Company: EQUIFAX, INC.
State: VA
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 XXXX account number XXXX XXXX, XXXX XXXX XXXX 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 2021-08-08
Company: EQUIFAX, INC.
State: MI
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:
These companies have violated 15 USC 1681 ( a ) ( 2 ) ( b ) under the exclusion section. Congress says anything that extends or was authorized from a credit card or similar device should be excluded from a consumer report. A " credit card '' is, in fact, not an XXXX XXXX or XXXX credit card because the actual definition says " any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' Also known as my Social Security Card, Driver 's license, and more. They have failed to realize these mistakes on your behalf and should remove these items immediately. You have also failed to recognize that only I, the original creditor, can verify. This is an incorrect use of my credit report because this should be excluded from my report. They have also violated 15 USC 1681 ( a ) ( 3 ) under the exclusion section by including medical information on my credit report. Please resolve this matter quickly. I have been denied places to lay my head, obtain transportation, and even financial support. Thank you for your help in this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: EQUIFAX, INC.
State: IL
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:
I checked my credit report and I am upset on what I found out. There are late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX  / {$4000.00} / XX/XX/2022 XXXX / {$6500.00} / XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On XX/XX/2022, I 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 taken advantage of and being ignored for 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 30 days so they should be deleted promptly. I demand these accounts should 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 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require XXXX and TransUnion to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected 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 non-monetary relief
Consumer complaint received 2022-04-27
Company: Affirm Holdings, Inc
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I ordered an XXXX XXXX XXXX XXXX through XXXX, my phone service provider on Monday XX/XX/2022. On that same day, I took on a loan from their sole suggested lending partner, Affirm. There was consideration ( a down payment of {$230.00} ), my signature agreeing to the terms, their countersignature agreeing to lend. 

I waited for my phone to come the next day. It didn't. So I contacted XXXX  who said my order was incorrectly in " draft '' status waiting to " get in the door '' of full processing. Basically a glitch in their systems processing. In normal ERP best practices, this would have just been as simple as either A. providing the missing data necessary to process the order, or B. recreating the order with the same data, assigning that order to the loan documentation, sending that new order information over to Affirm for an amendment with the new order number and having me re-sign the document under the same terms but with the same approval. Unfortunately, this is not what happened. 

XXXX  cancelled my order and THEN PROCEEDED TO CANCEL MY LOAN WITH AFFIRM WITHOUT MY PERMISSION OR AUTHORIZATION. 

As a result, this has presented multiple adverse effects for me, which include : 1. I never gave ANYONE authorization to cancel my loan with affirm. This is illegal.

2. I have to re apply for the loan which dings my credit.

3. I am no longer qualifying for the same amount... it's lower now, probably because of my additional credit inquiry.

4. I do not have the product as promised.

5. This has taken up more than two days and hours of my time to discuss.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Once again, this is XXXX XXXX and I am submitting this CFPB Complaint to dispute the fraudulent items I found being reported on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$930.00} US DEPARTMENT OF EDU XXXX XXXX Creditor : XXXX XXXX ) XXXX Balance : {$2500.00}. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. Please provide me with a written response to this dispute and let me know the results of your investigation. I also request that you send me an updated copy of my credit report once the fraudulent items have been removed.

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 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
After recently reviewing my credit report I noticed several inconsistencies regarding the account XXXX in the DATE OF LAST ACTIVITY, DATE REPORTED & DATE OPENED sections. First, XXXX is reporting XX/XX/XXXX as the date of last activity, while you are reporting XX/XX/XXXX as the date of last activity. Next, XXXX is reporting that XX/XX/XXXX as the date reported, while you are reporting XX/XX/XXXX as the date reported. Finally, XXXX is reporting date opened as XX/XX/XXXX, while you are reporting XX/XX/XXXX as the date opened. All these dates CANT be accurate. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE this erroneous item immediately. 

These companies have failed to respond within a 30 day time frame and have also not provided the requested documentation to verify their erroneous reporting

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