BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Bankruptcy file date is wrong. Should be XX/XX/2010 Never had this address : XXXX XXXX XXXX XXXX, MD 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 2022-10-24
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:
Good evening. The XXXX  XXXX XXXX account that appears on my credit profile at XXXX Equifax and XXXX has be disputed several times since XX/XX/XXXX for inaccuracies, incompleteness and unverifiable information. Number XXXX this account was disputed in XX/XX/XXXX and by XX/XX/XXXX the notice of dispute was never entered which is to be entered within the thirty day timeframe required by fcra guidelines. For this account to be verified as accurate Im not Understanding how all three bureaus report different information about the SAME EXACT account. It seems to me as though this count can not be verified accurately and it is my right to have XXXX percent accurate complete and VERIFIABLE information on my report. I have attached proof of the discrepancies that each bureau is reporting, such as XXXX reports status updated XX/XX/XXXX where transunuin status updated XX/XX/XXXX and Equifax reports XX/XX/XXXX. How is this possible if all three claim to have investigated this account properly? Another example is the payment history on this verified as accurate account - transunuin shows no information for payment history where XXXX and Equifax report payment history but it doesnt match. ( Equifax shows ok for XX/XX/XXXX and XXXX shows charge off for XX/XX/XXXX ) if these bureaus all verified this account as accurate then shouldnt they all report the SAME information??

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Experian Information Solutions 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to revalidate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : 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 2020-12-02
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 pinned of XXXX XXXX account credit and paid settled in for as of me Ive been submitting the letter that I received from XXXX XXXX XXXX and I have a XXXX balance owed to them and its been considered paid him for since I have some at the letter I had to try to do a three-way call with experience any federal accountant and nothings been done Ive submitted over for different disputes

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 2023-07-07
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After going through my updated Credit Report, which I purchased from XXXX, since the Credit Reporting Agencies failed to provide a free copy of my updated Credit Report 30 days after the date of my disputes, I am baffled to see that my Credit File still reported the fraudulent items and information on my Credit File. The disputed items remained on my Credit Report, and yet the Credit Bureaus have failed to provide me with copies of documents giving the fraudulent items the rights to continue their erroneous reporting. Let me remind the Credit Bureaus that under the FCRA Section 605b, any and all fraudulent items must be removed from a consumer 's Credit File if not proven to be accurate. I have been disputing these items for 4 months already, and yet the Credit Bureaus have not provided a single document. This action is a clear neglect of duty and responsibilities. I am submitting this Complaint to demand the Credit Reporting Agencies to remove the disputed items from my Credit File as soon as possible : 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 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. Not only did the Credit Bureaus not send me a copy of my updated Credit Report, they have not sent any documents supporting such misleading claims. I demand the deletion of all the fraudulent items completely from my Credit File.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-10
Company: WELLS FARGO & COMPANY
State: AZ
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:
there was old information about a home mortgage that is still showing on my report from 5years ago.

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 2018-04-26
Company: General Motors Financial Company, Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My wife and I paid off our loan with XXXX XXXX in XX/XX/XXXX they have not reported since XX/XX/XXXX and they have not showed the pay off of the vehicle it is now the end of XX/XX/XXXX I have contacted them three times last 60 days they give me the runaround and said they are having computer problems since XXXX it was a {$31000.00} loan that was paid off on time and I had a schedule but with them not reporting anything It looks like I still all that money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-23
Company: CITIBANK, N.A.
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: Information belongs to someone else

Complaint:
I had identity theft and a fraudulent hard inquiry on my credit report on XX/XX/2020. CBNA ( Citibank ) was the lender involved, and XXXX was the Credit Rating Agency. I have tried multiple times to have the inquiry removed, but it has been extremely difficult to do so. XXXX insists that I must have a deletion letter sent from CBNA to XXXX to have the inquiry removed. However, given I am not a client of CBNA, it is extremely difficult to get in touch with them. For example, almost every 800 # of Citi that I call, an automated system asks me for my credit card #, account #, or social security #. The only problem with this is that I have no accounts with CBNA, thus it is extremely difficult to get in touch with them over the phone, making it impossible to have them contact XXXX. Despite this, I was able to reach the correct department at CBNA twice in the last six months. Each time, they assured me that they will reach out to XXXX  to have the inquiry removed. I even received two separate confirmation letters in the mail from Citibank that two separate requests to XXXX had been made, one in XXXX and another in XXXX. Still, XXXX insists that they have received nothing and says there is nothing they can do to remove the inquiry. I filed a dispute directly with XXXX in XXXX, and the results of the dispute report, once again, that I must speak with the lender to resolve the issue. 

So it is a Catch 22 for me. I can't have a hard inquiry removed from my credit report unless I ask the lender to contact the Credit Rating Agency. And it is next to impossible to get in touch with the correct department at the lender given I am not a current client. Meanwhile the hard inquiry remains, adversely affecting my credit rating, and I have spent many many hours on the phone over the past 6 months trying to have this issue resolved. 

Attached are two letters I have received from CBNA as well as a result of my XXXX dispute in 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 2023-04-01
Company: HYUNDAI CAPITAL AMERICA
State: CO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XXXX XXXX, we leased a Hyundai 2022 Tucson in XXXX  and finance it through Hyundai Finance. We moved from XXXX to XXXX  and did a buyout of the lease vehicle on XX/XX/XXXX, through XXXX XXXX XXXX. I have contacted Hyundai Finance for a vehicle title since XX/XX/XXXX. I keep being advised that the title is at the DMV and other times the finance department will tell me that title is in the mail. I have contacted dealer ship in XXXX and XXXX, and they have advised they can not be of any help. 

I have been in contact with customer service, Hyundai Corp USA, Hyundai Finance Dep. over 100 times and still have not received a title to the vehicle. 
In the middle of XXXX of XXXX, we contacted the DMV in XXXX and the title from XXXX still has Hyundai Finance as the lien holder. 
I was given certain dates to receive the title by several supervisors since XXXX of XXXX. 

XXXX XXXX XXXX XXXX has informed us that unless they receive a title, they will increase our loan interest. 
I am still unable to pay XXXX sales tax and receive at title for the vehicle. 
I am asking you all for help. 
Thank you!

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 2020-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 been a victim of identity theft.

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 2023-05-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX : # XXXX XXXX XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

Equifax : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Capital One is reporting an account on my credit report as opened on XX/XX/XXXX. I sent them a letter on XX/XX/XXXX requesting information on this account. They replied that the account was opened over the phone or via de internet. I replied that this is a fraud account and I requested an investigation. they replied they see no signs of fraud because they received a payment. I replied that if they received a payment I need a copy of the form of payment they received so I can investigate since this account was opened in my name without my authorization. They replied the same thing " We see no signs of fraud ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: FC HoldCo LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a past due auto loan with Flaggship Acceptance, with a balance of {$780.00} I received 2 phone calls by an agent named XXXX on Tuesday, XX/XX/20 at XXXX and XXXX pm. XXXX left a voicemail on each call breaking FDCPA. By law only 1 voicemail can be left daily, multiple calls can be made within a 2 hr window. The voice messages were save on my phone. This is considered harrassment, abuse and unfair debt collection practices under the Federal Trade Commission. I spoke with a Supervisor ( XXXX ) who stated he didn't see record of 2 calls being place but assured me he would be filing a complaint and provided complaint # XXXX for my records. After speaking with him this morning, I received an email regarding the delinquency of this debt and to contact their office.

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 2023-05-08
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'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 2018-10-17
Company: ENCORE CAPITAL GROUP INC.
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX ( XXXX XXXX XXXX ). Open account was {$690.00} paid in full as of XX/XX/18 Got the attached letter it was paid in full as of XX/XX/18. 

Contacted XXXX XXXX as they are the primary account holder and the above are a 3rd party. 

XX/XX/18 Contacted an agent named XXXX ( XXXX ) at XXXX XXXX central time requesting that once they received the payment in full that a deletion letter will be sent out. It was confirmed on the phone by XXXX that yes once the account was paid in full that it would be deleted from my report. 

XX/XX/18 XXXX XXXX XXXX at approx XXXX central time and he told me that is not the process of how this works that it would be just a paid in full. I asked if he sees the notes on the account that agent gave incorrect information. He said that he would have to transfer me to her supervisor. I asked about the notes on the account and they said they conflict with the policy. I asked well that was not what I was told and then he tried transferring me to a supervisor named XXXX XXXX. Calls was disconnected and she called me back at approximately XXXX central time. She had all my information pulled up already. She said on XX/XX/18 that the information was the true information given and told me that I should know the policy. I replied back that I do no know the policy as XXXX told me on XX/XX/18 that a letter of deletion would be given. She told me XXXX gave me inaccurate information. This is not my fault as I do not know what the policy is. And because I was given this information from XXXX and I have it noted of the date & time of the call and possibly notes on the call that this should be honored. I also asked for a transcript of the call and XXXX was unable to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-19
Company: DISCOVER BANK
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent many dispute letters to XXXX and XXXX in regards to the Discover Account that is reporting on my credit file. This account do not belong to me and have never belonged to me. This account belongs to my father XXXX XXXX. However, it is reporting my credit file. Please help me to get this account removed from my credit file. I have submitted many documents including and FTC fraud form. Please help me to remove this account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY 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 2023-05-08
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Good Morning, My name is XXXX XXXX XXXX, I was checking my credit report and I realize there is an error with my address, please update my correct information is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I received an email from Kohl 's regarding late payment, so I called today ( XX/XX/2018 ) trying to understand the charges. I was advised that I had an outstanding balance of {$110.00} accumulating on my account. After lengthy conversation with the associate, I was advised that was due to one late fee previously not paid, so the following month they imposed another late fee on top of that, subsequently added a third and fourth late fee in the following month, accumulating to {$110.00}. The associate was helpful and offered to waive one late fee initially, then offered waiving of two late fees of {$74.00}, and asked me to pay today for balance of {$39.00} in order to avoid being reported to credit bureau. I explained to her that this is an unfair practice to bill the hefty fee on top of hefty late fees, esp. to the valuable Kohl 's customers. The lady agreed and apologized, but said that she could do nothing else. I strongly believe this was not right and I should not be charged late fee on top of late fees for multiple times. Kohl 's should immediately stop this ill practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-10
Company: GVA Holdings, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I told the company the length of the loan was not fair and the pay off amount was too high. They said they would offer new terms but didn't. I have been paying XXXX since XXXX XXXX, 2018. I have already paid double the amount given.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: DCN Holdings Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX, of XXXX continues to harass our company over a disputed invoice that was settled years ago with a shipping company called XXXX. 

Although he was notified that the account was paid off, he ignores and constantly emails and calls to demand payment and proofs when the the burden of proof is on him or XXXX   or whomever hired him ( if he was even hired ). It is not clear if XXXX is double dipping on purpose as we no longer wish to do business with them but its on the collector to sort it out and stop the maddening practice. 

XXXX XXXX XXXX is aggressive, dismissive and abusive and should be reprimanded for his outrageous tactics and business practices. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX Phone : XXXX Fax : XXXX

Company response to consumer: Closed with explanation