BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On or around XXXX of 2019 I received a statement that showed 5 different APRs on my statement and a fraudulent charge. At this time I disputed the information in its entirety in accordance with the Fair Credit Billing Act ( FCBA ) in which I asked for a request for clarification of charges and APR as I believe the bill to be inaccurate. Please Note that this dispute was done in writing to XXXX XXXX, XXXX. XXXX XXXX, XXXX, GA XXXX in accordance with Page 2 of the Statement with the account information, dollar amount, and a description of the problem. In addition this was down over the phone to XXXX as specified in page 2 of the consumer statement. During this time Page 2 specifically states " while we ( XXXX XXXX  ) investigate whether or not there has been an error, the following are true : We can not try to collect the amount in question, or report you as delinquent on that amount ''. Despite XXXX XXXX  own written statements and contract they have continue to attempt to collect the amount in question and have reported me to the credit report agency as delinquent. As of the date of this complaint I still have not been updated in writing to the status of the investigation or whether or not there has been an error. Due to the amount that was disputed being reported in violation of the credit card agreement and Fair Credit Billing Act ( FCBA ) which states that a consumer " may withhold payment on a disputed during the investigation '' in addition the FCBA also states that " the creditor may not ... report you as delinquent ''. After XXXX XXXX violation the card agreement and the FCBA the consumer reported the issues the the credit bureau and XXXX XXXX  once again report this a consumer as delinquent again a violation of the credit card agreement and federal law. Throughout this process XXXX XXXX  has not conformed to the Credit CARD Act by actively attempting to shield transparency from the consumer. In addition XXXX XXXX  has not conformed the their credit card agreement pacifically section 9B " How to dispute reports regarding your account '' which states that they will notify the consumer of the results " within 30 days ''.

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 2023-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer am demanding the del accounts listed 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 2023-01-26
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete please be immediately investigate and update it on my report. 
XXXX XXXX Balance : {$2000.00} ; XXXX XXXX Balance : {$8100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23
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: Information belongs to someone else

Complaint:
I got my credit checked today XX/XX/19 because I want to refinance my car and I am unable to do so because there are several accounts reflecting badly on my credit report. There are about ten accounts on my report that are not mine. I had no idea that these accounts were open in my name before today ; I did not give anyone permission to open all of these accounts nor have I ever opened an account with any of those companies. I did not benefit anything from these accounts nor did I take part in any transactions that were made with these accounts. I do not have any signed or verbal contract with any of these companies and I filed a police report regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown items on my credit report. To this day over 30 days later, I haven't received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me.

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 2021-08-17
Company: ALLY FINANCIAL INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Since I finance the car with Ally finance They have not actually reported my payments the dates are incorrect and it still showing that the payment last that I paid on it was in XXXX were in almost XXXX now and they have not updated it its every month that I go through this with them Ive called multiple times to them and explain the problem they do not fix it I disputed it with the three credit bureaus and they still have not fixed it

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 2023-06-14
Company: Experian Information Solutions 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've sent in police reports and a ftc report stating that fraudulent accounts were open in my name

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-07
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'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 explanation
Consumer complaint received 2023-01-26
Company: EQUIFAX, INC.
State: NY
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 have a loan with XXXX XXXX XXXX. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all three ( 3 ) credit reporting agencies & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update to paid as agreed/never late. 
XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2020 Balance : {$3400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, has violated my rights 15 usc 1681 sec 602 A states I have the right to privacy 15 usc 1681 section 604 section 2 also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Trans Union failed to investigate my dispute properly pertaining to Inaccuracy that XXXX XXXX XXXX XXXX have been reporting and the validation request that I submitted. Trans Union Verified my disputed information as Accurate. How do you Verify a dispute that requests for Validation? 
XXXX XXXX XXXX failed to correct the inaccuracy they have been reporting. They report to Trans Union only and not to XXXX and XXXX. How can that be accurate information for starters? XXXX XXXX XXXX XXXX refuses to validate my dispute upon request. That is clear a violation of my consumer rights. Listed in my attachment shows proof that XXXX XXXX XXXX failed to correct the inaccuracy that they have been reporting to my credit report and refuse to validate my dispute requests.

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 2021-08-27
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
BBVA ( now PNC ) froze my checking account when I submitted a stop payment on a check and refuses to unfreeze the account. BBVA says they have initiated closing the account and that it will be closed in less than 30 days from today.

Furthermore, BBVA ( now PNC ) has requested that I sign a document that lies about the circumstances of the check stop payment request. They want me to commit fraud by signing this document.

BBVA freezing this account has caused harm to myself and my XXXX wife. We need this checking account unfrozen for medical bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Chime Financial Inc
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Earlier in XXXX I filed a dispute for an overpayment. I over paid my credit card company by {$60.00} making a {$360.00} payment instead of a {$300.00} payment. After experiencing difficulty resolving it with the credit card company I filed a dispute with chime. Chime resolve the {$60.00} dispute and credited my account. However, on XX/XX/XXXX I received a letter From my credit card company advising me that they had returned my payment for {$360.00}. Ive been contacted Chime to find out why the {$300.00} had not been credited to my account. After much confusion and runaround I still dont have an answer nor my {$300.00}. I filed a dispute and provided chime with documentation supporting my claim yet it appears to have been closed and I was not given any notification!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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.

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 2021-08-27
Company: GUARANTEED RATE INC.
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied online with Guaranteed rate on approximately XX/XX/21 for a mortgage loan. It pulled my credit and said I was prequalified. It assigned me to a loan officer. I never spoke with the loan officer until around approximately XX/XX/21 after completing all the online steps. I spoke with XXXX XXXX From Guaranteed rate. She told me my credit score over the phone. She stated it was a XXXX. Why the online site would have said I was prequalified with that score I dont know. But I do know I never received a adverse action notice about the decision with a credit score and reporting agency. I never received this from them. XXXX XXXX also inquired about how much money I had for a down payment. She also stated they like. XXXX or higher score. The type of loan I was applying for was a usda loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not permissible to fail to validate this reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX  XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX Date opened XX/XX/2018 Balance : {$32000.00}

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 explanation
Consumer complaint received 2023-03-30
Company: Frontline Asset Strategies, LLC
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:
XXXX XXXX  is reporting a fraudulent account on my credit report. I didnt open this account nor did I authorize anyone to do so on my behalf. Upon contacting XXXX, I was informed that a 1099 was issued in this account, and yet they couldnt provide any other information. Please see the attached FTC report and remove this account from all 3 major credit bureaus! 


Frontline AssetXXXX XXXX promised to remove the collection from my credit upon payment. The representative I spoke to informed me that they would be able to delete the account from the credit and failed to inform me that the process may take 90 days. I scheduled my closing accordingly, and now after the payment was made they are telling me that the process can not be expedite and that they dont know when they will send a deletion request. PLEASE DELETE FRONTLINE ASSET FROM MY CREDIT AS PROMISED!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: DriveTime
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
This company is in violation of 15 U.S. Code $ 1681m - Requirements on users of consumer reports by denying me credit after I applied in good faith. 

( a ) DUTIES OF USERS TAKING ADVERSE ACTIONS ON BASIS OF INFORMATION CONTAINED IN CONSUMER REPORTS If any person takes any adverse action with respect to any consumer that is based in whole or in part on any information contained in a consumer report, the person shall- ( 2 ) DUTIES OF PERSON TAKING CERTAIN ACTIONS BASED ON INFORMATION PROVIDED BY AFFILIATE ( A ) Duties, generally If a person takes an action described in subparagraph ( B ) with respect to a consumer, based in whole or in part on information described in subparagraph ( C ), the person shall- ( C ) Information described Information referred to in subparagraph ( A ) - ( i ) except as provided in clause ( il ), is information that- ( I ) is furnished to the person taking the action by a person related by common ownership or affiliated by common corporate control to the person taking the action ; and ( Il ) bears on the credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living of the consumer ; and ( ii ) does not include- ( 1 ) information solely as to transactions or experiences between the consumer and the person furnishing the information ; or ( II ) information in a consumer 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 2023-03-14
Company: Bread Financial Holdings, Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid my account in full in XX/XX/XXXX. XXXX XXXX XXXX XXXXXXXX reported it as late to my XXXX credit report in XX/XX/XXXX. When I called to find out why, they said I owed {$36.00} in late fees. When I tried to explain it was paid in full in XX/XX/XXXX, they cut me off and spoke over me - forcing me to pay {$10.00}. They claimed the account would be cleared of fees and closed. 

The following month, XX/XX/XXXX, they tried to charge an additional {$35.00} in more fees and are now harassing me by phone, 7 - 10x a day. They keep saying if I don't pay the added fees they will continue to report to my credit report. 

In XX/XX/XXXX, they are continuing their harassment and extortion, and trying to now charge me {$100.00} on a paid off, closed account. 

They refuse to acknowledge via XXXX dispute that the account was paid in full in XX/XX/XXXX and continue reporting it as late to my credit report. They also continue trying to charge fees after its been closed. This is extortion as the account has been paid and closed. 

Please make them stop harassing me, extorting me, and charging me fees. I refuse to pay unending fees on a paid off, closed account.

Company response to consumer: Closed with monetary relief