BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 requested removal of unrecognized inquires via certified mail. 
Transunion sent a stall letter stating I needed to complete additional verification and it appeared that I did not prepare my own letters. After completing the additional verification via text/chat option I was unable to understand the additional requests for more documents. I decided to attempt to call several times I was disconnected by 3 different agents after introduction and stating my question. I was able to get an agent who also verified my identity via the telephone then informed me that I would need to send letters to the creditor then request letters back and then send those responses back to Transunion. I was told that my letters are not valid, and the agents requested that I use the online process. subsequently 48hours later Transunion reduced my credit score by XXXX points with no changes to credit file. 

to lose XXXX points without reason is outrageous!

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 2021-07-06
Company: Experian Information Solutions Inc.
State: MD
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:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be 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
Consumer complaint received 2021-07-29
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I sent letters to Equifax Credit Bureau on the date of the last letter to Equifax was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the lists of the erroneous accounts reporting on my credit report : ( Original Creditor : Medical ) XXXX-Balance : {$170.00} ( Original Creditor : Medical ) XXXX-Balance : {$140.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: EQUIFAX, INC.
State: AR
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:
I received a notification from XXXX XXXX that I got a inquiry from some place I am not familiar with. I then reviewed everything on my XXXX XXXX and there are several accounts that had been open under my name. I believe someone has been trying to purchase something using my name for sometime because there is several accounts that do not belong to me. I have taken action to prevent anyone from opening anything else under my name. Please remove all these fraudulent accounts from my credit report. 

XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX XXXX {$450.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act 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  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 an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
Company: American Credit Acceptance, LLC
State: ID
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Yesterday, XX/XX/XXXX, I received an email at XXXX XXXX telling me my car was assigned for repossession. The company, American Credit Acceptance, was closed at the time I received the email. I tried calling multiple times today, asking them to give me until Monday, XX/XX/XXXX, to make a payment. They repeatedly refused to schedule a payment arrangement citing that XXXX wouldnt allow it. I asked for a repossession hold while waiting for assistance, and they also denied that. They repeatedly demanded payment from me today and repeatedly said unless I paid them today my car would be repossessed. Then they told me to ask a third party for money to pay for the loan. Of note, I had just made a regular payment 3 weeks ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: EQUIFAX, 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:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: HCFS Healthcare Financial Services of TeamHealth
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Called ARS ( Account Resolution Services ) about 2 medical bills to work on paying off. 
after I called they told me that I owed almost XXXX even thou on the credit report the two bill are XXXX and XXXX. They can not show me proof of all these nor will they remove the others from my credit. I'm not goin to pay for items I never got or received just so they can make more money. the interesting thing also is that they show to have two accounts at the XXXX and two at the XXXX and then these few random small amounts. it looks like they just copied/duplicated the bill and changed account number just to collect more. why do you keep letting the scam artist stay in business.

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 2023-06-06
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX denied me any disputes on my unauthorized inquires and double or triple inquires the said I had to call the creditor their job is to report what any creditor regardless of any original source they will still report and not let people dispute innacurate inquires

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: Santander Consumer USA 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:
On XX/XX/XXXX I traded in my XXXX XXXX that was being financed through Santander Bank into XXXX XXXX XXXX XXXX for a XXXX XXXX. On XX/XX/XXXX I provided a payoff statement to XXXX for what was owed on the XXXX XXXX. However, XXXX did not make the payment to Santander until XX/XX/XXXX, at which point the payoff amount had changed. In turn, there were no payments made towards a {$99.00} balance with Santander Bank by XXXX XXXX XXXX XXXX until XX/XX/XXXX. I was unaware of this issue until I noticed a serious delinquency on my credit report from Santander, stating that I missed three months of payments before my account was closed and the balance was settled. I reached out to Santander on numerous occasions and was told there was nothing they could do since they had already reported my delinquency. I reached out to XXXX  and they told me had I should have checked in with Santander and this is not their responsibility. I am now forced to deal with this serious delinquency on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
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 non-monetary relief
Consumer complaint received 2023-06-06
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
My Identity and information was stolen back in XXXX  since them many accounts have been open in the my name without my consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-15
Company: AMERICAN EXPRESS COMPANY
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Using XXXX, I leased out my condo in XXXX, OR, for the summer ( 56 nights from XX/XX/XXXX to XX/XX/XXXX ) to a XXXX XXXX of XXXX Arizona He made his payment on XXXX-18 using his American Express card. 

" Guest Paid : XX/XX/18 - XXXX XXXX - American Express Your rental agreement was accepted on XX/XX/18 at XXXX XXXX  by XXXX XXXX from IP address : XXXX '' I met him on XX/XX/XXXX, looked at his ID. Gave him the keys. 

I received. {$5400.00} He left XX/XX/XXXX. And one week later, as per our agreement, I returned his deposit. 

On XX/XX/XXXX he told American Express that he did not make the charge. 

The payment was reversed, and taken from my checking account. 

I believe this is fraud, or maybe theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I recently submitted a request for an reinvestigation of the disputed accounts, which you claimed was verified. Since I believed you didnt properly investigate my dispute, I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to update the following accounts from my file. 
XXXX XXXX XXXX : {$24000.00}, XXXX XXXX Balance : {$22000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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 # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-14
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 information incorrect

Complaint:
I already have a XXXX XXXX XXXX XXXX credit card. On XXXX XXXX, i asked for a higher credit limit and they approved me within 5 seconds. I applied for another XXXX XXXX XXXX XXXX credit card the same day, I was approved with in 5 seconds. This credit card was NEVER used with none of the credit reporting agencies of a hard or soft pull. XXXX XXXX approved me with my excellence of paying on time and never had NO late payments. Since i received my new XXXX XXXX XXXX card, XXXX  and XXXX  RAISED my fico credit score points. But with Experian, they lower my fico score by -21 points. XXXX  and XXXX  rewarded me by having another credit card with much higher credit balances cause I paid all my credit cards ON TIME, never late and never maxed out my credit cards to their high credit limit. With Experian, they condemned me for having another credit card, ( I only have 3 ) with much higher credit limits. When Experian did my XXXX monthly credit updates, They lower my fico score -21 points and my XXXX credit utilization is at 0.009 % or 1 %, which is well below Experian demand for a good credit utilization rate of 6 %. 
I never have any late payments, or high credit balances or I would NOT have ever received a new XXXX XXXX card. 
SOOOO, WHY did Experian penalized me by lowering my fico score by -21 when XXXX  and XXXX  RAISED my fico credit score?????????? 
My XXXX credit utilization rate of 0.009 % or 1 % to round it off, is really an excellent credit utilization rate. 
I`M wondering if they meant to raise my fico score by 21 points and made a huge mistake by lowering it. 
I WONDERING HOW MANY OTHER INNOCENT PEOPLE EXPERIAN HAVE MADE HUGE MISTAKES.

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 2019-03-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Their investigation did not fix an error on your report

Complaint:
Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME/ORIGINAL CREDITOR : XXXX XXXX XXXX, ACCT # : XXXX, REPORTING DATE : XX/XX/XXXX, BALANCE XXXX, REPORTING ON XXXX, XXXX AND XXXX. 
ACCOUNT NAME : XXXX  XXXX XXXX XXXX, ACCT # : XXXX, REPORTING DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON XXXX, XXXX AND XXXX. ACCOUNT NAME : XXXX XXXX, ACCT # : XXXX, REPORTING DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ONLY ON XXXX  AND XXXX. ACCOUNT NAME : XXXX XXXX, ACCT # : XXXX, REPORTING DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON XXXX, XXXX AND XXXX. ACCOUNT NAME : XXXX XXXX, ACCT # : XXXX, REPORTING DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON XXXX, XXXX AND XXXX. ACCOUNT NAME : XXXX XXXX, ACCT # : XXXX, REPORTING DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON XXXX, XXXX AND XXXX. ACCOUNT NAME : XXXX XXXX XXXX XXXX., ACCT # : XXXX REPORTING DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON XXXX, XXXX AND XXXX. ACCOUNT NAME : XXXX/XXXX XXXX, ACCT # : XXXX, REPORTING DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON XXXX, XXXX AND XXXX. ACCOUNT NAME : XXXX, ACCT # : XXXX, REPORTING DATE : XX/XX/XXXX, BALANCE : XXXX, ONLY REPORTING ON XXXX AND XXXX.. ACCOUNT NAME : USAA FEDERAL SAVINGS B, ACCT # : XXXX, REPORTING ON XXXX, XXXX AND XXXX   REPORTING XXXX : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON XXXX, XXXX  AND XXXX ACCOUNT NAME : XXXX XXXX XXXX : ACCT # : XXXX, REPORTING DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON XXXX, XXXX AND XXXX. 

FOR INQUIRIES, THE FOLLOWING ARE THE REMAINING INQ 'S WHICH ARE REALLY OBSTRUCTING ME : XXXX XXXX-DATE OF INQ : XX/XX/XXXX. 
XXXX/XXXX- DATE OF INQ : XX/XX/XXXX XXXX XXXX-DATE OF INQ : XX/XX/XXXX. 
XXXX XXXX XXXX- DATE OF INQ : XX/XX/XXXX. 
XXXX- DATE OF INQ : XX/XX/XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-20
Company: Genesis Credit Management, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
they keep calling and identify themselves as genisis credit and their a debt collector, but they never say what its regarding and who the creditor is, i never received a written noticed from them in the mail. please investigate them and end this abuse

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XXXX XXXX, I attempted to pull my Equifax credit report but was unsuccessful. I can log into Equifax but there is an error message stating, " Your Equifax credit report summary is currently unavailable. Please call our Customer Care team at ( XXXX ) XXXX or try again later. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I had information that there were inaccuracies on my credit reports and asked them to remove them and they declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: EQUIFAX, INC.
State: TX
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:
I sent a letter to notify you about some inaccurate items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again. The following items are inaccurate and needs to be removed : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXXXXXX XXXX Balance : {$530.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Unpaid Balance {$1500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX, XXXX, TX, XXXX ; XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$530.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$20000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Unpaid Balance {$1500.00} ; XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
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:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

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