BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-05
Company: STATE FARM BANK, FSB
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I already complained ( XXXX ) for my new vehicle loan from statefarm bank. But they are not correct my credit history yet. And ask me returned check copies to review But I paid I electronic bill pay at XXXX XXXX XXXX ( confirmation no. XXXX ) I attached it before, but I guess they haven't seen it ( below is last time complaints ) I bought a car and financed it XX/XX/XXXX. - statefarm bank ( account no XXXX XXXX ) While paying the loan every month, I got a call from the bank saying that it was not paying for XXXX. ( XX/XX/XXXX ) The next day I made a deposit and reviewed my bank account. ( XXXX ) I found that the XXXX payment was returned in XXXX. ( XXXX ) I don't know why it was returned However, they first informed the credit agency that the payment was late and notified me in XXXX ( AFTER 5 months!!! ) of the following year instead of XXXX, causing a huge damage to the credit. They called me and said they left me a voicemail, but my voicemail is not set up. It is also the first time on the phone on XX/XX/XXXX. they just keep lying This XXXX three months ' payment has been processed at once, but it doesn't seem normal and I'm worried that this will happen again. The customer service is terrible. I'm going to change the bank soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
State: MD
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:
Account XXXX : XXXX. Department of XXXX Account Amounts : {$3900.00}, {$4800.00}, {$3500.00} XX/XX/XXXX I disputed this account with all three credit bureaus, XXXX, Equifax, and XXXX on XX/XX/XXXX the credit bureaus have since updated my report to reflect that the account has been forgiven by the government. Not only are there inconsistencies on the reporting of this account, this account should not be reflected on my credit reports according to the FCRA because this account is not accurate. 

Please investigate if all information is correct. If not, please remove them from my credit report. In your findings, you may see how this account should not be reflected on my credit report. The last status that you have reported is : Current account/was a collection account, insurance claim or government claim or terminated for default. Please delete this account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
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:
On XX/XX/2023 I disputed several accounts on my report with XXXX, XXXX, and Equifax. Each of these Bureaus are reporting closed accounts with current open balances and current late payments. I disputed each of these accounts with all 3 Bureaus as I have no knowledge of these accounts nor am I responsible for any of these accounts. All 3 Bureaus claim to have investigated and replied online that the accounts were verified as belonging to me. This is false and inaccurate and in addition to that all 3 Bureaus continue to report late payments as well as open balances listed under original creditors with late payments as of XX/XX/2023 on one page, then on another page stating that I dont have any open accounts. They are also reporting accounts listed as in collections and charge-offs with the original creditors as well as the collection agencies. Ive also been informed that I can not dispute further on these accounts because its been determined that these accounts are mine although I continue to deny knowledge of ANY of these accounts. By these Bureaus continuing to report in such way they have caused and continue to cause hardship for me due to their false reporting and taking someone else 's word for these accounts that I deny knowledge and responsibility of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Recently I was checking my credit and I found these accounts that don't belong to me. My personal information was a part of the XXXX Data Breach in XXXX and I assume that is when my identity was stolen. These accounts are the result of identity theft. None of these fraudulent accounts are related to any of my legit transactions. I don't know who the perpetrator is and I need these fraud accounts removed as soon as possible. 

These are the fraudulent accounts : XXXX that opened last XX/XX/XXXX, XXXX XXXX that opened last XX/XX/XXXX, XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX OF  XXXX opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXXT opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX  opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX opened last XX/XX/XXXX, and DEPT OF EDUCATION/XXXX  opened last 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 2023-04-14
Company: Regional Management Corporation
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 got a call from Regional Finance on XX/XX/2023 stating that I had cashed a pre-approved check from them on XX/XX/2023. I told them that I have never cashed any check from them or even heard of their company. They told me that the check could have been cashed by someone else and that they would file a complaint with their fraud department so that this wouldnt affect my credit score. I havent gotten any updates from them and have also filed a complaint with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Experian Information Solutions Inc.
State: NY
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 have reached out to the bureaus and nothing have been done i provided an FTC report still nothing. XXXX getting declined to credit cards due to these false inquires on my report. 

As per FCRA section 609 605 and 623 Please provide record of consent for this inquiry and record of accuracy. If unable to validate or provide written records I expect removal of this inquiry immediately.

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 2023-04-03
Company: Lendmark Financial Services
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Loan payment wasn't credited to your account

Complaint:
The above named account t had been brought current, or paid up to date on XX/XX/XXXX. They never reported my payment to the account, nor to the credit bureaus. They are purposely ruining peoples lives by repeatedly ignoring federal and state laws protecting us from such actions. They are furnishing inaccurate. Invalidated to all XXXX credit bureaus including XXXX, XXXX, and XXXX. My car is not in reposession, and I demand that it be removed as soon as possible as its is a violation of 15 usc 1692g. This also constitutes fraud amongst other federal and state violations for abuse of credit reporting etc. Congress created these laws to protect consumers. Can you guys protect me? Or are they above the law?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting 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 creditor has violated my rights causing me to be denied for housing. I have the right to privacy. A consumer reporting agencies can not furnish an account without my written instuctions. A creditor may not treat a payment on a credit account under a open end consumer plan as late for ANY PURPOSE. 

XXXX XXXXXXXX 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 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$39000.00} XXXX XXXX XXXX Balance : {$300.00}

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 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/22 I received a bill of exchange from Capital one Bank indicating that I allegedly owe a bill in the amount of {$4600.00}. I returned to negotiable instruments back to Capital One Bank endorsed for them to submit it to the bank for payment. If the bank did not accept the negotiable instrument, they in return would send a notice of dishonor, saying why it was dishonored and give me the opportunity to cure. Capital One Bank never attempted to process the instrument, instead without any notice, Capital one proceeded to then closed the account. I have send them several negotiable instruments and requested them to be returned to me if they are not accepted, they never returned any of the instruments. I then send them a billing error dispute in regard to looking into the matter by requesting documents but they failed to send the required documents. 15 USC 1666 ( d ). They then informed me that they will report to the credit agency that the account is in dispute. That never happen, they have been reporting that the account is closed and that payments are late. According to 12 CFR 1026.13 ( d ) Capital One Bank is in violation. According to UCC 3-603, Capital One Bank is in violation and also 15 USC 1666d XXXX I tried reaching out to Capital One with a billing dispute error at which time they responded by taking adverse action and using deceptiveness to handle the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: GOLDEN 1 CREDIT UNION, THE
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: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX I obtained my monthly updated credit report from XXXX XXXX. I noticed an inquire from Golden one credit union dated XX/XX/XXXX still posted on my XXXX credit report. I had previously tirelessly repeatedly disputed this with Golden one back. Informing its agents and managers that the agent who assisted me during the date prior to inquire instructed me to complete a client form in order to assist me, otherwise they could not assist. I was also assured that it was not going to post any inquire on my credit report as I was only seeking information on home purchasing. The agent explained the form was required to show the number of customers assisted regarding the subject matter. I did not authorize this agent nor Golden 1 credit union to make such an inquire to my credit. An inquire which caused a 30 point drop of my credit score. I was lied to and mislead by the Golden one credit union employee. I only wish this inquire removed. This is financial abuse and financial harassment.

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 2020-12-14
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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 2021-12-16
Company: Experian Information Solutions Inc.
State: NJ
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:
I paid my XXXX 2022 installment payment in XXXX but I paid after my grace period which I got a XXXX late charge. When I made my payment I was told the late charge would be waived. Just recently I got an alert that I was reported 30 days late for a XXXX late charge is that even legal to report me delinquent for a late charge they offered to waive? I want to know why this happened and all calls are recorded so I would like them to pull the recording on why the agent neglected to tell me I was going to be reported late for a late charge they offered to waive

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 2021-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 inaccurate accounts reported by your company in the file you maintain under my Social Security number.I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.I hereby demand that you immediately delete the negative items from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly. 
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CC : Law Firm XXXX, XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX  CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints

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 2023-07-28
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 last XX/XX/2023 to remove the listed items which 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 block any items not later than XXXX business daysI sent the Bureaus letter. Ive already included this in my previous complaint & I am including it again. 
XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX  XXXX Balance : {$640.00} XXXX XXXX Original creditor XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$17000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29
Company: TD BANK US HOLDING COMPANY
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:
On XX/XX/, I applied with XXXX XXXX XXXX XXXX XXXX for a new vehicle loan. There was 1 inquiry with XXXX XXXX XXXX XXXX On XX/XX/, I noticed 2 NEW inquiries from TD Auto Finance that were UNAUTHORIZED ; the dealership claims they can pull my credit without consent because my credit application is within 30-days. I did not authorize a new credit report to be pulled and they did so without consent and are giving me the runaround. This has negatively impacted my credit and XXXX XXXX has not done anything to resolve this issue. Again, there is no record of credit authorization on XX/XX/, only from the original 1 time inquiry on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: EQUIFAX, INC.
State: NJ
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:
When my lender tries to pull my credit report it's not showing up because of a technical error or some error. I called equifax and corelogic and they said there's no freeze on my report. This error is causing me not to be able to get my home loan and needs to be fixed asap. 

XXXX XXXX has tried to pull my Equifax report numerous times and is unable to. They do not have a problem pulling it from XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I rented an apartment at XXXX On The XXXX for about 2 years plus ( XX/XX/XXXX- XX/XX/XXXX ). I didn't own them a XXXX even when most residents were taking rent relief due to COVID-19. After I moved out of the apartment in XXXX, my wife when to the apartment to drop our current address. As usual I was expecting their mail for claims of damages, thus I check my mail box almost everyday. I don't see any mail from them. To my surprise I got a mail ( sometimes in XX/XX/XXXX ) from a collection agent ( Rent Recovery Solutions LLC ) regarding the apartment claim of owing the sum of {$440.00}. I made a call to this collection agent expressing my disappointment of not having any prior communications from the management of XXXX XXXX XXXX XXXX regarding this payment. I requested for the break down of how they arrive at the sum of {$440.00} and the person that picked my call promised to send me an email on it. Since then I have never gotten any email from them. 
Sometimes in XXXX I visited the apartment office to express my dissatisfaction about taking me to collection without any prior communications. I request for the breakdown of the said debt. They gave me a print out of the money, though queried my water and trash bill for the last 13 days of stay in the month of XXXX ( Because I was billed for a whole month ). I requested for prior 3 months water and trash bills before my lease expired. Till this time they never send me a copies of the bills. 
Despite not getting feedback on the requested prior 3 months water and trash bills, I started the payment sometimes in XXXX, XXXX and paid another payment in XXXX XXXX. 
The most painful thing is that this has affected my credit score/report, which I have being building over the years even when I was an international student with some many financial constraints of paying medical bills for my second son. It is my believe that this unfair treatment to me and my credit history because I didn't say I am not paying the company but they refused to appropriately communicate this to me.

Company response to consumer: Closed with explanation