BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-09
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:
In accordance with the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) your credit reporting agency is required by Federal Law to verify physical records on file of the original signed account or contract from any accounts you post my credit report. I am formally requesting to see verifiable proof of the original consumer contract with my personal signature on the record. I have listed the accounts below, in which I am requesting said verification of. Failure to verify account records in compliance with the FCRA will damage my ability to obtain credit. Under FCRA unverifiable accounts must be promptly removed. You must also provide actual documents bearing my signature and the application for credit bearing my actual signature. NO ONLINE APPLICATIONS I formally demand the follow negative account records to be verified, and/or removed immediately. Your invetigation into this account has dragged on for over 90 days and still no proper investigation has been done. The FCRA states that the only permissible purpose for pulling someones credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order.

The following credit inquiries are related to none of the aforementioned permissible purposes : XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from 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 2018-04-02
Company: GVA Holdings, LLC
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2017 I took a loan from XXXX. I have since paid back the loan, but also paid back an extremely high interest rate when paying back the short term loan. 


I have come to find out they charge an illegal interest rate of over 700 %. I have paid back beyond the principal and still continue to make payments that only satisfy an outrageous interest rate and other fees. I am struggling to make ends meet because of payday loans such as this one.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
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: Account information incorrect

Complaint:
On XX/XX/2020, I checked my XXXX and TransUnion credit report and it showed my credit score decreased 16+ points on XXXX  and TransUnion XXXX On XXXX, my credit score increased to XXXX. Please note, since the pandemic, I have decreased my debt ratio from 90 percent to currently 59 percent and it continues to lower with weekly credit card payments. In XX/XX/2020, I finally finished payment on a long term monthly loan XXXX {$500.00} ) with XXXX. In XX/XX/2020, I received an alert from XXXX and TransUnion indicating that XXXX sent a notification. XXXX informed me that they sent a positive credit report indicating that I was in good standing and the loan was paid off. Note, absolutely nothing changed with my credit only to lower my debt ratio however, XXXX  and TransUnion punished me for decreasing my debt ratio by lowering my credit score. This is absolutely absurd. XXXX  and TransUnion encourages their clients/consumers to decrease debt, make payments on time etc, etc to improve their credit.

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 2023-06-15
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: Information belongs to someone else

Complaint:
THERE ARE THREE COLLECTIONS ON MY CREDIT REPORT XXXX XXXX  XXXX {$100.00} XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX  XXXX {$610.00}

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 2022-11-16
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: Was not notified of investigation status or results

Complaint:
I have sent this letter months ago to the credit bureaus and did not receive any notices or responses regarding my concerns on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: EQUIFAX, INC.
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 many erroneous and unverified items on my credit reports with Equifax, XXXX, and XXXX. I have sent multiple letters asking for the items to be either verified or removed, and the items have not been verified, but have also not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The credit reporting agency refused to show proof this debt belong to me. Also refused to investigate the account properly according to fcra. The account XXXX XXXX XXXX need to be investigated properly

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: Minto Financial dba Minto Money
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Back on XX/XX/XXXX I received a loan for {$370.00}. I was ONLY expected to pay back the {$370.00} and thats it but I am required to pay back $ XXXX? Thats ridiculous! I also noticed that in every other question that minto answers, they always end up saying there was a document stating that you have to pay back the interest within a 10 month installment. I did not receive any document via email stating that I had to pay back that much. I also was not able to log into my account to review any paper work because every time I would, it would say there is ACH activity active, so it would lock me out for weeks until my next payback date. This is a rip off. My last payment date of the {$370.00} should have stopped on XX/XX/XXXX but they are still charging me for THEIR mistakes. I want them to get rid of my information and cancel that account because I shouldnt have to pay back extra money for something that they didnt send me nor allow me to see for myself on my account. I even called a few times before requesting to log into my account and the answers were always the same. Its not fair. I read every single piece of information that was sent out when I received this loan and none of it stated that there was a extremely high interest rate. I am able to view the document now because I am able to log in now, but when I received the loan, I was locked out for months with no information on hand. I want and need them to stop now. They already have the $ XXXX that I owe so I need this to be resolved. This is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: Experian Information Solutions Inc.
State: MA
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:
Today, XX/XX/XXXX, I received an email from credit karma that my credit score had dropped. I logged in and the drop was over 100 points ( from XXXX to XXXX ). I tried to figure out where this was coming from. Every single account on my report is listed as current. 

I found an account that was NOT listed on my report showing a late payment 60 days overdue. I don't understand how my credit report could simultaneously show a late payment but also not list this account anywhere ( neither in closed or open accounts ). 

I was able to narrow things down to a XXXX XXXX card that I opened in XXXX of XXXX, and closed some time in the fourth quarter of XXXX. Now, all of a sudden, XXXX is reporting that I have missed payments on this account. They also marked it as closed on XX/XX/XXXX. If you look at my credit report, you will see I have never missed a single payment and I am diligent about managing my accounts responsibly. I believe I am entitled to not only my report being fixed, but potentially financial damages. This is a fraudulent report XXXX has filed on my account and I hope that the CFPB can aid me here.

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 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I opened an email that said my credit score has changed so I looked at it, as usual, and my score has gone down XXXX points for no good reason. There is nothing in collection and no hard inquires, I would love to know why my credit score keeps going down 20+ points with nothing negative showing up to make that happen when it takes MONTHS just to have a few good points.

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 2018-10-09
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: Account information incorrect

Complaint:
I settled this with XXXX XXXX XXXX, XXXX has no right or valid contract, it is against the law to collect money twice ... 

XXXX XXXX XXXX has no right or valid contract, this was settled with XXXX XXXX XXXX, you can not collect money twice ... 

I contacted original creditors and was told that your system may not be updated or is in error ... XXXX   verification is faulty ... and they told me that they ( the creditors ) did not verify this to you ... 

please remove or litigation will follow, this is in violation of F.C.R.A. 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 explanation
Consumer complaint received 2018-10-09
Company: Louisiana Recovery Services Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted the company several times about validating the debt or to remove the debt from my credit reports if they could not validate the debt. They have removed the debt from my other credit reports but not from my XXXX. I have sent numerous letters for them to remove and they have not.

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 2020-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Today, XX/XX/2020 I received two ( 2 ) letters from Capital One after CFPB had contacted it. However, the said letters state Capital One was unable to contact me by mail. That is not true. Why did I recently receive the two said letters via mail? Then the states to contact Capital One Online Banking Department. I have done so several times and no tangible, corrective results. I must either locate a branch of Capital One that will only take cash, not debit card. Online rejects me as usual. Someone in administration at Capital One must contact me to assure corrective action will be taken and applied. 

Thank you CFPB for involving in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-21
Company: NATIONSTAR MORTGAGE LLC
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I would like to submit my whole story and demonstrate Nationstar Mortgage failure to comply with XXXX SD XXXX. 

Your platform, limits characters prohibits me from delivering you the complete facts and truth. 

I would appreciate a phone call. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Experian Information Solutions 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:
There are fraudulent accounts in my report, I have reported it to the bureaus, but I did not see receive any response. The accounts are damaging my credit and limiting my ability to obtain one.

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 2018-10-09
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I Received my credit report showing a inquiry from SANTANDER CONSUMER USA from XX/XX/18 showing I applied for a Car loan. 3 years ago, I was a victim of identity where my ID AND SOCIAL SECURITY CARD were stolen. I did not apply for any Car loan, and this Inquiry remark on my credit is causing many issues for me applying for a home which is affecting my score. I did not give this company permission to run my credit for any means necessary. I do not have any means of applying for a car loan as I am a single mom and could not afford and other dept The item is inaccurate, misleading, or incomplete, may have violated federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : Chapter XXXX Bankruptcy-XXXX  Chapter XXXX Bankruptcy-XXXX  Chapter XXXX Bankruptcy-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
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 status incorrect

Complaint:
I have disputed the late payments on this XXXX XXXX XXXXXXXX XXXX And XXXX   XXXX for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I am currently trying to clean up my credit report. Unfortunately, I had an account with XXXX XXXX XXXX that went into collections several years ago. I have tried to call XXXX to pay the collection balance that is owed, but they refuse to allow me to do so. They will not take a payment from me. At the same time, they will not take this account off of my credit report or allow it to update that I no longer have an owed balance. By refusing to either remove this item from my credit report, nor take a payment to resolve the debt, they are holding my credit profile hostage.

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 2020-09-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Social : XXXX DOB : XXXX To whom it may concern, Please remove the fraud alert that you have on my credit file, this fraud alert should not be a part of my credit file. Please send me an updated copy of my credit file to the address listed above, thank you in advance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Complaint : Charged {$10.00} Finance fee for making a principal Payment Account : XXXX Bank of America I mailed a {$300.00} check for to B of A for a principal only payment. On XX/XX/XXXX this payment was posted in three parts. A principal payment of {$250.00} ; a payment of {$50.00} of which {$40.00} was applied to principal and {$10.00} was a finance charge. The instruction stated principal only payment. My previous payment of {$440.00} posted on XX/XX/XXXX was the regular payment of P & I. 

* XX/XX/XXXX contacted B of A by online bank secure message outlining the problem * XX/XX/XXXX received response to call them * XX/XX/XXXX responded that the problem was easy to fix, if they need to call they could call me * XX/XX/XXXX a  representative ( or stated so ) called me, identified himself as BofA, started to ask personal identifying information ( which I refused to answer as they called me ) and stated they could not help me if I did not provided personal information. I refused and told them they should just credit back the finance fee. They hung up.

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 2018-10-09
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a new checking and savings account with Citi as part of the sign on bonus promotion for {$400.00}. I have never had an account with them before. I signed up around XX/XX/18 when the promotion is active and fulfilled the criteria of depositing {$15000.00} to the bank. I verified with the phone rep twice in XXXX and XXXX and both times confirmed that I successfully sign up for the promotion and that it will be credited to me in a few months. I called today again because I should have received the bonus in my account by now but has not. The phone rep today said I don't qualify now after keeping my money for 4 months because my account was not set up correctly. I felt like this promotion is a scheme to keep my money for as long as they can and coming up with an excuse to not keep their promise. The rep confirmed that a lot of people felt the same frustration.

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 2020-07-16
Company: Experian Information Solutions 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:
For years I have been paying a lot for insurance. I kept getting told by all the insurance companies that it could be that my credit is not so good due to them running a consumer report during the quoting process. Every time I would get a quote it would come back high or ineligible. I have always paid my accounts on time. I decided to get my report pulled and out of surprise there is a lot of things that do not belong to me. Please remove these items from my credit report. XXXX {$3400.00} XXXX {$3000.00}

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