BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-16
Company: EQUIFAX, 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:
Hi, I am authoring this complaint on my behalf. I can't believe these guys are taking advantage of me. I am very upset with Equifax. They have not responded back to me about my investigation. I sent a letter and it's been more than 60 days. I need these accounts deleted or updated. These are the items I need to be deleted. 


1 ) Please investigate that this account is reporting 100 percent accurate. XXXX XXXX  is reporting different information on all 3-credit bureau . I see so many errors which is a FCRA violation. 
XXXX XXXX  Please to remove this account from my credit profile 2 ). Misleading false information This FDCPA section 807 Violation misleading false reporting on my credit report. 
XXXX XXXX Please remove from credit profile The Fair Credit Reporting Act 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
Please remove from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: AXOS FINANCIAL, INC.
State: NY
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
complaint against : Axos bank, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Acc No. XXXX Ref XXXX The above account will mature on XX/XX/23 ( CD interest XXXX XXXX  for XXXX  month ) for a total interest of about {$44.00}. In order to close the account, I have to pay a bank check fee 0f {$10.00} which means that I will only receive about {$34.00} of interest. 

First of all, I opened the CD account of XXXX  XXXX XXXX ( which was sold to Axos Bank ) and has not signed any agreement with this bank check fee. Secondly, with most banks paying an interest rate of above XXXX XXXX for XXXX  month rate, Axos Bank is taking advantage of the situation and try to hold XXXX with my premium. 

Thank you for your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: AMERICAN HONDA FINANCE CORP
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
honda financial services is trying to illegally collect a auto deficiency balance from a repo in XXXX i purchased a XXXX XXXX XXXX XXXX from honda in XXXX  XXXX florida XXXX the car was repossessed on XX/XX/XXXX XXXX the car was sold to a private auction on XX/XX/XXXX, a final billing ledger was sent out to me on XX/XX/XXXX addressing the amount the car was sold for and the remaining balance that was owed on my behalf which is considered to be the deficiency. i contacted honda serval times to dispute this and received the same information constantly. this information is also inaccurately reported on my credit reports damaging my credit score. after conducting the proper research in the state of florida a finance company or lien holder can not collect or sue for a deficiency balance if they don't properly provide all of the remedies for the borrower to reinstate the loan or buy the car back. fl statue 537.012 repossessions, disposals of pledged property ; excess proceeds states that : taking possession of titled personal property, the lender may dispose of the titled personal property by sale but may do so only through a motor vehicle dealer licensed under s. 320.27. At least 10 days prior to sale, the lender shall notify the borrower of the date, time, and place of the sale and provide the borrower with a written accounting of the principal amount due on the title loan, interest accrued through the date the lender takes possession of the titled personal property, and any reasonable expenses incurred to date by the lender in taking possession of, preparing for sale, and selling the titled personal property. i called honda financial services on XX/XX/XXXX and spoke with a representative named XXXX at XXXX XXXX XXXX time. i inquired with XXXX XXXX if honda financial services sent out the proper notifications prior to the sale being conducted. XXXX XXXX responded " no, the state of florida laws says that we don't have to ''. our conversation took place on a recorded line. i am requesting that honda financial services remove this negative listing from all three credit reporting agencies immediately due to its inaccuracies and illegal claims per florida statue 537.012

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: EQUIFAX, INC.
State: TN
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:
In accordance with the FCRA, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

These inaccurate items on my credit report are due to ID Theft, ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
This has been reported via police report and FTC Affidavit of ID Theft. True Name ID Fraud was listed on my credit report after I found out, but for some reason now they show up under collections. This is prohibiting me from getting my credit score back to Pre-ID Theft which was a XXXX. After all this fraudulent activity and reporting, it is low XXXX and has caused damage to me and my business as well. Reports show that fraudulent account was opened XX/XX/XXXX, XXXX in my attached report it shows that they were 'assigned ' over a month before the open date!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
State: SC
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 U.S.C 1681 section 602 A. States 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 written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have been a XXXX XXXX customer For almost 28 years. I have been paying my mortgage on time regardless of my hardship. I have two mortgages and two homes that are financed through XXXX XXXX Bank. In the past 28 years XXXX XXXX has sent my home to foreclosure without helping me to modify it to a better interest rate. I still made my monthly payment on time regardless of my hardship. I have excellent payment history on both of my mortgages but yet XXXX XXXX is reporting me 30 days late In XXXX of 2014. I tried to dispute with Experian and XXXX  and XXXX  unfortunately the problem was not fixed. Now I am forced to file a complaint against XXXX XXXX Bank for all their wrongdoings including destroying my credit while I've been a loyal customer. My loan has been transferred to another servicer. 
I am trying to refinance my house but the 30 days late is destroying my credit score and I can not get a reasonable interest rate based on my excellent credit history besides the 30 days late. 
XXXX XXXX knows that I am a registered nurse working at XXXX XXXX 40 + hours taking care of covid patients I don't have time to waste removing this late but I have no choice at this time because I have to refinance and provide for my family a safe home

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 2023-01-16
Company: Experian Information Solutions 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:
Ive sent multiple letters to XXXX and Experian regarding XXXX XXXX on my credit report. The Supreme Court ruled that this is not a credit transaction and I never gave permissible purpose for it to be placed on my consumer report. Id like this removed from my credit report as its reporting inaccurately and causing denials of credit and sleepless nights. 

XXXX. XXXX XXXX XXXX XXXX XX/XX/21

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 2023-05-22
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20
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: Investigation took more than 30 days

Complaint:
Hi my name is XXXX XXXX. I have never done business with XXXX XXXX XXXX  neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX XXXX  I have the right to demand and see the contract between XXXX XXXX XXXX and myself! Please send the proper validation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XXXX Friday of 2022, I went into Home Depot with my wife to purchase some goods. After we had made it to the checkout, a lady began ringing our items and then asked about credit card applications. I said I was interested and she began the process. The issue begins after that when I saw the XXXX was XXXX  % and I said absolutely not and wanted to cancel. The Home Depot employee then put her body between me and the credit card reader and typed a bunch of stuff quickly then left to get another employee. Once the other employee got here, she said ok bye and left. I asked what had happened and if the credit card was cancelled which the lady said she had no idea about and that it should have been. 

Well it wasnt. The lady ignoring me, decided to continue with the whole application and send it even after telling her to stop. 

Once I got the mail that I had attempted to open this CC, I talked to XXXX XXXX chat who said someone with XXXX XXXX would contact me to help deal with this issue. Well, 3 months later and not a single call. I have tried contacting, but all I get is hung up on constantly. I even had Citi bank who deals with XXXX XXXX 's XXXX try to help me contact someone and they had the same issue. XXXX XXXX 's Own partners couldn't navigate the support lines. 

This is absolutely unacceptable and will be pursuing fraudulent Credit Card charges against XXXX XXXX for this. I attempted to talk to them and get this all taken care of, but they are nowhere to be found.

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 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are 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 non-monetary relief
Consumer complaint received 2020-07-09
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've went online many times for over a year on Equifax, XXXX and XXXX disputing that I never lived at XXXX XXXX, XXXX, CA. I've waited on hold for 45 minutes or more explaining this address is wrong and I never lived in California. To this day, the 3 bureaus still have not removed this address. When I try to open an account and I'm asked security questions, this address pops up. If I respond I never lived at the location, I'm denied an account or my credit report is locked because I had to respond I lived at this address in the past. Again, I've never lived at the address nor lived in California. I want this address permanently deleted off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07
Company: ERC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I hear by putting your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that Your organization assumes a vital role as a result my livelihood has been adversely affected. There is no such law that States anything that needs to be reported to a consumer report agency therefore your organization is liable Your organization neither exercises its responsibilities with fairness and then partially nor protected my right to privacy. I request you to give me a piece of evidence that the information which is being reported has been properly investigated. It also provides the details of the system adopted by your organization to determine whether the transaction took place or not. If this matter is not corrected promptly I will pursue legal action in court according to Texas state law.

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 2022-05-20
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:
I AM HAVING A PROBLEM WITH MY XXXX XXXX  CREDIT CARD THAT'S REPORTING A 30 DAY LATE PAYMENT FOR XX/XX/2022. I SPOKE WITH A REPRESENTIVE LAST WEEK FROM XXXX XXXX AND SHE SAID THE LATE PAYMENT WOULD BE REMOVED BECAUSE OF THE ERROR BUT IT'S STILL BEING REPORTED AT THIS TIME AND I'M CURRENTLY IN ESCROW AND THE LENDER TOLD ME THIS WILL HOLD UP THE PROCESS. THIS ACCOUNT HAS NEVER BEEN LATE AND I'M LOOKING FOR ASSISTANCE GETTING THIS ACCOUNT CORRECTED QUICKLY SO I CAN CLOSE ON MY DEAL. THANK YOU FOR ALL YOUR HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I previously owed credit acceptance XXXX. Now I owe them XXXX but if the account is charged off I wan na figure out why interest is still being added to the original debt.

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 2023-05-22
Company: EQUIFAX, INC.
State: NJ
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:
Dear Sir/Madam : XXXX has my credit score listed as XXXX and Equifax XXXX with the SAME information. AFTER i disputed FALSE infomation on my account with Equifax, they LOCKED me out of my online account. On XX/XX/2022 I call Equifax and spoke to XXXX XXXX XXXX # " XXXX  '' who request that I upload my driver license. I complied, however, the system WOULD NOT allow me to do so, then I was instructed to provide her with VERY sensative PERSONAL information over the telephone. I answered ALL the questions correctly and my account is STILL locked. She even wanted to know the date I file my dispute AGAINST Equifax. I complied and gave her the correct response because the information I have on file and she STILL refused to remove the BLOCK off my account so I can have access via online. I believe that I am being retaliated against for filing disputes against Equifax. As a result, I being prohibited from apply for a credit card with XXXX XXXX Bank because they need me to unlock my credit report with Equifax and Equifax is retaliating against me for filing complaints against them for having FALSE information on my report and reducing my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I AM HAVING A PROBLEM WITH MY XXXX XXXX CREDIT CARD THAT'S REPORTING A 30 DAY LATE PAYMENT FOR XX/XX/2022. I SPOKE WITH A REPRESENTIVE LAST WEEK FROM XXXX XXXX AND SHE SAID THE LATE PAYMENT WOULD BE REMOVED BECAUSE OF THE ERROR BUT IT'S STILL BEING REPORTED AT THIS TIME AND I'M CURRENTLY IN ESCROW AND THE LENDER TOLD ME THIS WILL HOLD UP THE PROCESS. THIS ACCOUNT HAS NEVER BEEN LATE AND I'M LOOKING FOR ASSISTANCE GETTING THIS ACCOUNT CORRECTED QUICKLY SO I CAN CLOSE ON MY DEAL. THANK YOU FOR ALL YOUR HELP.

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 2023-05-22
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Amount on paid has changed and amount total has changed and this was not a credit consumer transaction company has history of committing fraud amount has changed and i was never giving money In form of check, or cash In hand for vehicle, company claims they are in-house financing no credit check.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
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:
Transunion shows that I was 30 days late XX/XX/2013 for a mortgage payment to XXXX XXXX. I previously notified Transunion and the mortgage company that I was never late paying and that the information is incorrect and I was informed that the matter would be investigated and corrected. However, the incorrect information remains on 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 2023-05-22
Company: EQUIFAX, INC.
State: MO
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 did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation