BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-08
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 appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 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 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 2022-04-22
Company: Experian Information Solutions Inc.
State: TX
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:
On XX/XX/22, I received a credit alert by email from usa.Experian.com I attempted to login to my account to see what was going on but could not login. The login stated that my credentials were incorrect. This was the fourth time that I had reset my username and password. ( I have had this account for almost a year, as it was advertised on television as " Experian XXXX '' and have never had any problems and have been pleased with their help and support. However, in creating this account, it is named under usa.experian.com which then leads to the main Experian website. ) Login problems have just begun within the last few days. As this had been my 4th attempt at resetting my username and password, at XXXX p.m. on XX/XX/22, I decided to just call usa.experian.com at XXXX. When I called ( option " other membership '' ), I spoke with Experian representative, XXXX. XXXX helped me once more to change my username, password and create new security credentials for the 5th time. I even requested that XXXX remain on the phone while I logged in and out using my new credentials to ensure that my new credentials were working so that I would not have to go through this again. 
On XX/XX/22, XXXX p.m., I received another credit alert by email. When I attempted to login to my account to view my credit report, I could not login. I called usa.experian.com again and spoke with representative XXXX. While I was speaking with XXXX, the phone suddenly hung up. I called back and this time spoke with XXXX. I again explained what happened previously with XXXX, went on to further explain about my login problems and then requested technical help for my login. XXXX responded that there was no technical help available and that I would have to reset my credentials again as I only had the basic membership plan. She went on further to say that if I purchased another higher rated membership plan to freeze my account, that my account would be fully protected. So, I then told XXXX that it sounded as if my credit account was being tampered with to force me, as a consumer, to purchase another higher rated protection plan -- which I can not afford right now. I thought that this was a bad and unethical business practice by Experian and told her so. This did not seem to phase her at all. In the meanwhile, I have attempted to get into my account and it has been blocked from further attempts to login.

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 2023-05-15
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Ive been having problems with Filling taxes and 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 2022-01-18
Company: TD BANK US HOLDING COMPANY
State: NC
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:
In 2018 we had a car and entered bankruptcy. The auto loan company never approved a debt reaffirmation and repossessed the vehicle in 2018. They sold it and left a balance. We were unable to pay so it was charged off. We live in NC and there's a 3-year statute of limitation. We never had contact with the debt XXXX. Recently I noticed my credit score dropping as the charged off balance was " increasing '' every month. We disputed it with XXXX. As we were waiting to hear back about the dispute, the debt was all of a sudden " Reaffirmed '' on all three credit reporting agencies. We never had contact with the debt collector and we never reaffirmed any debt. We tried contacting XXXX but they stated they only report what the debt collection company tells them. I can't do anything about it. TD Bank was the debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 unverified items indicated below continue reporting on my credit report despiteseveral written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you donot validate these items. Please follow the law so that this situation can be settled quickly. 

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 non-monetary relief
Consumer complaint received 2022-07-06
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:
This is reported with inaccuracies. It's reported 3 times. I sent all 3 bureaus a dispute and asked them to do a full investigation, verify, and remove the incorrect information. After I received their results with no changes I did my own due diligence I found improper inaccuracies remained as derogatory on my reports. The 3 credit bureaus did an improper investigation. 

According to the Fair Credit Report Act Account # XXXX violated my rights - 15 USC Section 6028 States that I have a right to privacy. 15 USC 111681 Section 0 604 Section 2 also states the consumer reporting agency can not furnish an account without my written instructions. 


Show less Item name XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Identification number XXXX Claim amount Not reported Date filed XX/XX/XXXX Status XXXX XXXX bankruptcy dismissed. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Address identification number XXXX On record until XXXX XXXX Liability amount Not reported Date resolved XX/XX/XXXX Responsibility Individual Reinvestigation information This item remained unchanged from our processing of your dispute in 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 non-monetary relief
Consumer complaint received 2022-05-16
Company: EQUIFAX, 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:
The company XXXX XXXX is reporting late payments of the car loan. I have called and discussed with them the late payments reported. Payment arrangements which would not cause payments to be reported late, however, the company still reported it late. I have try to file disputes with the company and the creditors. 

The company reported late payments on XX/XX/XXXX and 2 times on XX/XX/XXXX. 

This has cause significant hardship, and the communication has not be helpful at all with customer service. I am reporting a complaint as they gave me false information and did not honor a payment arrangement as discussed. In addition, I was never informed this company does not offer re-financing options.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
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 am a victim of Identity Theft. I've already contacted and sent letters to credit bureaus last XXXX it almost 30 days now but no response yet. I need help with this Issued. My credit score gets worse because of transactions without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: NAVY FEDERAL CREDIT UNION
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
During the month of XX/XX/2022 Navy Federal Credit Union began to exercise a right of offset on my bank account. However in the state of Mississippi, by law, Navy Federal is required to give me 30 days notice before seizing funds from my bank account. They seized approximately {$2500.00} which was a payday loan check from another creditor. This practice of seizing funds without 30 days notice is illegal in the state of Mississippi. It may also be illegal for Navy Federal to exercise the right of offset for credit card debts if they are a federally chartered bank, which I'm not sure if they are.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-15
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: Account information incorrect

Complaint:
I am writing this today in regards to XXXX  XXXX  Account # XXXX, I have reached out to the bureaus along with XXXX  XXXX  to get more information about the reporting which seems inaccurate. I have gotten no response. I will list the issues below and then include a copy of the report. 
1. Date opened is not consistent 2. Date of last payment is not consistent 3. Date of last activity is not consistent 4. Date of first delinquency is not listed 5. Date closed is missing 6. Payment status is not consistent

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I have a Golden 1 Credit Union checking and credit card accounts. I used their mobile app to transfer {$500.00} at about XXXX on XX/XX/2021 from my Golden 1 checking account to my Golden 1 credit card. Immediately the money was deducted from my Golden 1 Checking account, but it has been 32 hours and it has not shown up on my credit card account. Their customer service tells me that it can take up to 3 business days for the funds to be available in my credit card account. This is ridiculous. I could understand maybe 24 hours, but a bank should not be able to leave funds in limbo for 3 business days. This was an internal transfer, and it should be against the law for them to do 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 explanation
Consumer complaint received 2023-10-20
Company: Resurgent Capital Services L.P.
State: AL
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:
On XX/XX/XXXX XXXX XXXXXXXX lied and stated the following were not be reported on my credit report. 

XXXX XXXX XXXX RESURGENT CAPITAL LLC XXXX XXXX AND RESURGENT were both sent cease and desist letters which ceasing of all communication including ceasing of collections of debts. Proof that XXXX is in violation as well as XXXX XXXX and RESURGENT CAPITAL LLC. 

This is FINAL NOTICE to remove stated accounts IMMEDIATELY! 

If not removed I will proceed with civil action as the same violations keep occurring. 

Companies will be held liable for all damages that have occurred from their failure to adhere to the law and my rights!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I received a notice Navient has put interest on my student loans when interest is suspended until XX/XX/2020. My balance went up when I received the notice on XXXX. They haven't suspended the interest on my loans. They have charged XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Information belongs to someone else

Complaint:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft BANKAMERICA Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine.

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 2021-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX, XXXX, Transunion have failed to respond to my dispute about unauthorized and unverified inquries. Irequest I sent a dispute letter on XX/XX/2021 received no response, XX/XX/XXXX I sent a 30 day compliance letter to follow up I still haven't received a response and accord to the FCRA its mandatory that I receive a response.

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 2022-05-16
Company: Experian Information Solutions Inc.
State: VA
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 disputed the following fraudulent accounts multiple times, yet they are still illegally being reported on my consumer report. This is my final attempt before filing a lawsuit.

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 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 account number : # XXXX, has violated my rights Account Number : # XXXX Account Name : XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an 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 any purpose.

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 2022-01-18
Company: EQUIFAX, INC.
State: OK
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:
XXXX XXXX XXXX hired an attorney, XXXX XXXX XXXX, to collect on an auto loan that had a remaining balance after the car was totaled. I paid the balance as agreed almost 2 months ago. XXXX XXXX continues to report to the bureaus that I owe a balance of {$4800.00} when the balance is paid in full ( I paid {$6500.00} via wire to their attorneys- this included a host of unfair fees as well ). 
When I called XXXX XXXX, they are refusing to update my bureau because their attorneys that THEY hired to represent them has not sent the funds to them yet. I've spoken with 3 people at XXXX XXXX and 1 person at XXXX XXXX XXXX. They're all saying my report will not be updated until the attorneys send the money to the client. My question is, what if their attorneys decide never to send the money or files bankruptcy? XXXX XXXX at XXXX XXXX responded " I can't answer that ''. This is unfair and unacceptable. They are reporting incorrect information to all 3 bureaus which is impacting my ability to obtain credit. They've updated the report with the wrong info twice since receiving payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On or about XX/XX/2018, I XXXX XXXX received a letter from Diversified Consultants , Inc. a debt collector ; It was my understanding that the debt would be deleted from the three ( 3 ) credit companies. Based upon the correspondence with Diversified Consultants the out come was what had not been agreed to ; I were under an understanding that the debt would be deleted ; however, after releasing the funds, I was further told to check my email for a correspondence letter. Please see : Creditor : XXXX Agency Reference Number : XXXX ; Account Number : XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-29
Company: FORD MOTOR CREDIT CO.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
I went to trade in my car in XX/XX/2020 and instead the sales person XXXX XXXX, Manager XXXX XXXX and XXXXne other associate were involved in a high pressure sales which led me to believe I could have my damaged vehicle be taken by my insurance carrier which was not the case. Instead I am now struggling to make two car payments on a very limited income. I need assistance as I have already tried to get assistance through the dealership at XXXX XXXX in XXXX Va with no further assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
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:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX illegally pulled the credit more than once for me ( XXXX XXXX XXXX, and daughter ( XXXX ) with institutions we never instructed the sales person. We only authorized to apply with XXXX XXXX XXXX and he pulled with XXXX XXXX  ( never authorized ), XXXX XXXX ( never authorized ), XXXX XXXX ( never authorized ), XXXX  XXXX ( never authorized ), XXXX  XXXX  ( never authorized ) and XXXX  XXXX  ( never authorized ). XXXX XXXX XXXX directed the auto loan to XXXX XXXX  at a higher rate than the one with our financial institution, and falsely tried excusing himself using a credit score of XXXX for me, to which we demonstrated XXXX for XXXX agencies and XXXX for XXXX, and the ability to get the best rate offered by our financial institution of 5.24 %. After being caught amazingly he lowered the rate for the non preferred institution to 5.33 %. The fraudulent practices by this individual are performed after a XXXX hr long period and with the individual not letting the customers read the full documents, and speeding up not to be caught. Fortunately I caught him, after I paid XXXX with my credit card to the dealer, and his behavior was certainly strange after demonstrating all his lies and illegal practice. The fraudulent actions damaged my wife 's and my daughter 's credit score with the inquiries, and they ended paying slightly more to the non-preferred institution, abusing of the three persons involved in the purchase ( my wife, my daughter and myself ) being tired of the unpleasant experience of buying a car with them, and arguing about : 1 ) trade-in value ; 2 ) being forced by the dealer to buy unwanted additional items not yet installed ; and 3 ) The fraudulent actions from XXXX XXXX XXXX to earn a referral fee from XXXX Bank XXXX Regardless of that the fraudulent Finance Manager pulled the credit with XXXX unauthorized institutions instead of pulling with the only one instructed to the sales person XXXX XXXX which was XXXX XXXX XXXX, damaging the credit for both myself and my daughter.

Company response to consumer: Closed with explanation