BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-22
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:
Ive filed a dispute regarding the results on my credit report it has been well over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my 2nd letter that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX  XXXX DATE OPENED XX/XX/XXXX BALANCE {$46000.00}.

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 2017-01-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR
Product: Credit card
Issue: Credit determination

Complaint:
My credit limit with USAA has be {$14000.00} until XXXX XXXX, XXXX .... My credit limit was reduced to {$500.00} on XXXX XXXX, XXXX ... They claim it was combination of usage and credit report. I have a XXXX score with XXXX and XXXX with XXXX. I monitor my credit report monthly with subscriptions with XXXX and XXXX .... I have never been late or made minimal payments .... I pay of balances quickly ... .. I do use the USAA credit card. I had a {$3100.00} balance in XXXX XXXX that I paid off before XXXX. Made {$150.00} purchase in XXXX XXXX and paid it off in XXXX XXXX ... .. Its a military exclusive membership only bank ( USAA ). I was drafted in the XXXX 's processed for service and then cancelled because of military pulling out of XXXX. My son served in the XXXX. I believe that USAA is trying to get me to cancel my membership by lowering my limit from {$14.00}, XXXX to {$500.00}. I spoke to several people with USAA that could not explain with any detail. I believe this is a bias racial action by a staff member of USAA. I have an excellent credit history own XXXX homes and a rental and have a personal yearly income of over $ {$83000.00} ... I spoke to XXXX ( USAA ID # XXXX ) this morning an executive personal member for USAA ... I believe this was a racial action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: WHEELS FINANCIAL GROUP, LLC.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I am reaching out to file a complaint against XXXX XXXX XXXX  and its associate, Loan Mart, due to a distressing matter regarding a lien on my vehicle. 

Two weeks ago, I settled a car loan that was registered with XXXX XXXX XXXX  XXXX Loan Mart, and according to my records, I have cleared the payment for this lien in full. As a resident of Florida, I am aware of our state 's electronic title system which mandates that once a lien on a vehicle is paid off, the financial institution is obligated to release the lien within ten days. Given the efficiency of our state 's electronic system, this process is generally completed within 24 to 48 hours. 

However, in stark contrast to these regulations, XXXX XXXX XXXX  has not taken the necessary steps to remove the lien from my vehicle 's title. This delay is hampering my ability to use my vehicle freely and is causing undue stress. 

Upon contacting XXXX XXXX XXXX, instead of assisting me directly, I was transferred to Loan Mart. At Loan Mart, I found myself in a loop of confusion, unable to get in touch with any representative responsible for handling titles or addressing my grievance. 

It is deeply unsettling to find myself caught between these two entities, neither of which seems willing or able to assist me. The apparent negligence on the part of XXXX XXXX XXXX  in particular is a clear infringement of Florida 's financial regulations. As a consumer, I believe it is crucial that financial institutions adhere to state regulations and ensure that their customers are not left in such frustrating predicaments. 

I urge the Consumer Financial Protection Bureau to look into this matter and ensure that XXXX XXXX XXXX  and Loan Mart are held accountable for their actions. My hope is that your intervention will expedite the removal of the lien from my car 's title and prevent future customers from experiencing similar setbacks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hi About 2 months ago ( XXXX ) I received an email from a company representative at PennyMac requesting additional information in regards to a loan that had already closed months ago. The email requested additional information regarding my tax. 



That email was sent insecurely and my private tax document ( XXXX ) was attached to that email without any kind of protection. There was no password or encryption on the tax document. My private data was exposed to an insecure web email ( XXXX ). 



The company has violated my privacy and has exposed me to years of possible identity theft and many other criminal activities. 



I have tried for over 2 months to get the company to accept responsibility and provide me with compensation and identity monitoring. The company has refused to acknowledge this incident has occurred and has no plans to remedy this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: Thaxton Investment Corporation
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I renewed the loan and the employee made an error and now I am being harassed by the company stating that I have XXXX loans which I was never told about until I stated receiving calls and threats. The vice president stated that if I do not pay due to their employees error that it will negatively affect my credit. I have the paperwork that states that my loan was paid out due to renewal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
" On XXXX XXXX, I booked a hotel stay with XXXX for a total amount of {$700.00}. Upon my arrival at the hotel, I encountered a significant problem- there was absolutely no parking available as explicitly promised by XXXX. The hotel 's notice indicated that parking could be found on a nearby street for a reasonable fee of {$8.00} per day. However, in reality, it was nearly impossible to find any parking space, and this issue was not mentioned anywhere during the booking process. 

Frustrated and left with no alternative, I chose not to stay at the XXXX XXXX  and found alternative accommodation elsewhere. Immediately after my experience, I reached out to XXXX customer service, explaining the situation and politely requesting a refund due to their failure to provide the promised parking service. To my disappointment, XXXX refused my refund request. 

As a result, I decided to initiate a chargeback with Chase Bank, my credit card provider, seeking to reverse the {$700.00} charge. Initially, Chase provided me with provisional credit for the disputed amount. However, I was recently informed by Chase of a claim reversal, putting me in a challenging financial position. 

I am reaching out for assistance, advice, and support from the relevant authorities to ensure that I am not unjustly held responsible for this {$700.00} charge for a stay at a hotel I never had the opportunity to experience. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Credit Karma, LLC
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Credit karma pre approval denials. I was targeted after building my credit with the same offers only to be denied and receive inquiries that lowered my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
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:
On XX/XX/XXXX of 2022, XXXX XXXX XXXX  falsely reported a collection/chargeoff on my credit. This account was fraudulently obtained. XXXX XXXX XXXX  is aware and a police report was created because my identity was stolen. The account since has not been removed.

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 2019-09-05
Company: Experian Information Solutions Inc.
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I had taken out a loan with XXXX XXXX had made my payments as scheduled and had sent a payment to them with a money order, I had forgotten to fill out the money order. Instead of just calling me and having me fill out the money order they sent it back to me and refused the payment. This negated the contract. I told them this. They sent the debt to collection. The collection Arm of XXXX XXXX is XXXX XXXX XXXX. I was trying to clean up my credit. I came to an agreement with XXXX XXXX to pay the {$190.00} which I did in XX/XX/2019. It is still on my credit report today, I am in the middle of trying to get a mortgage. This item should have been removed. That is what I was told by XXXX XXXX. Both XXXX and Experian still show the debt. I would like it removed.

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 2021-02-19
Company: TCF NATIONAL BANK
State: MN
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 went into TCF bank in  XXXX. XXXX, MN to try and open a savings account and I was told that I was denied on XX/XX/XXXX. I then went and had my credit report ran by a XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX and they informed me that on my credit report I had a fraudulent charge on there in the amount of {$2300.00} from XXXX XXXX  XXXX on XX/XX/XXXX. I then proceeded to obtain my own credit report from XXXX, XXXX, and XXXX  on XX/XX/XXXX. I did not see those fraudulent charges on XXXX  or XXXX, but I was able to locate it on XXXX. On my XXXX  report, they had said that it was from XXXX XXXX, for the same amount, but different date being XX/XX/XXXX. I called XXXX  and attempted to dispute this charge but they had said that they were unable to process the dispute, as they apparently do not deal with checking or savings account fraudulent charges. I also called XXXX XXXX  XXXX, and they informed me that they did not have my information anywhere within their system but would forward the information onto higher ups for them to look into it further. Once I was notified of XXXX XXXX, I contacted them and spoke with a girl named XXXX, and she said that she would forward my information onto higher ups as well and I should hear something within 30 days. This was all completed after I obtained my credit reports on XX/XX/XXXX. For the record, I personally have never gone into or been associated with XXXX XXXX or XXXX XXXX. Also, upon looking at my XXXX  report, I noticed that they had an alias that was associated with my name. I have never had an alias.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery Associates was mailed a letter earlier this month, and did not reply. The organization had been previously requested via the credit bureaus through the dispute methods ( XXXX, XXXX ) but it has circumvented this process. 

The credit bureaus have responded that the information has been " verified, '' but each has also failed to provide the methods/ sources for their Reasonable Investigations. 

Each has stated that they selectively are able to make 'predeterminations ' without actually acquiring consumer requested documents which does not align with consumer rights under the FCRA XXXX 

A debt is being reported under my name, and I have no idea of what XXXXXXXX XXXXXXXX is- I have not ever had a bank account with this bank or a XXXX XXXX  credit card. 

My letter stated that I have been a targeted in a data leak in the past, as a customer of both XXXX and XXXX XXXXXXXX XXXX  thus this could have possibly contributed to someone having my personal information in which to open this account. 

However, I have requested a contract, or actual documents but again ; Portfolio Recovery Associates has conspired with the credit bureaus -- - to circumvent the FCRA by failing to provide proof of their Reasonable Investigation/s and by failing to provide signed contract/s documents for my review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04
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: Personal information incorrect

Complaint:
I am filing this complaint because the Credit Reporting agencies are inaccurately reporting outdated and or wrong information on my credit profile. I have mailed to the agencies my correct and accurate personal info to be displayed on my credit profiles. I will attach the letters I sent to each bureau. Please erase and remove ALL OUTDATED AND INCORRECT personal information from my credit and update with the correct information. I will have attached the info that should be updated

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 2022-07-19
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against MIDLAND CREDIT for committing theft and threatening to take legal action they have no grounds to take pursuant to 15 USC 1692i ( b ) I never gave MIDLAND CREDIT permission to use my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I was also contacted by phone in which I requested to be put on the do not call list in which they threaten me with a lawsuit. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding to cease and desist of all illegal activity, communication, and collection activity of this and any alleged debts until MIDLAND CREDIT can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and MIDLAND CREDIT continues its collection efforts, I will file for litigation for actual damages caused and MIDLAND CREDIT will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion pursuant to 18 USC 894, theft by deception, securities fraud, and mail fraud. Upon receipt of the documents herein and of this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
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 the following accounts have violated my rights. 

Account # XXXX ( XXXX XXXX ) Account # XXXX ( XXXX  XXXX XXXX ) Account # XXXX ( XXXX XXXXXXXX XXXX ) Account # XXXX ( XXXX XXXX XXXX ) Account # XXXX ( XXXXXXXX XXXX XXXX ) Account # XXXX ( XXXX XXXX XXXX/ ALL LATE PAYMENTS ONLY ) 15 U.S.C. 1681 Section 602 A Section 1 States I have the right to privacy.

15 U.S.C. 1681Section 604 A Section 2 It also states a consumer reporting agency can not furnish an 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 2018-11-22
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:
I was a victim of identity theft in XX/XX/XXXX. My issue was investigated by law enforcement, and was found to be identity theft/fraud. The person responsible for this fraud is currently incarcerated. I have submitted my police report, and findings to XXXX.   XXXX continues to report XXXX XXXX XXXX, and XXXX XXXX XXXX on my credit report even though these accounts do not belong to me. These accounts are fraudulent accounts that XXXX continues to update on my credit profile. XXXX also continues to report addresses that I have never resided at. I have never resided at

XXXX XXXX XXXX XXXX Texas XXXX, nor have I ever resided at XXXX XXXX XXXX XXXX XXXX Texas XXXX.

Equifax continues to report XXXX XXXX XXXX XXXX Texas XXXX as my previous address even though this is the address to the Texas Department of Family and Protective Services. I have never resided at this address. Equifax also continues to report XXXX XXXX XXXX as an account that belongs to me. This is a fraudulent account that not belong to me. XXXX XXXX XXXX previously reported this account as being charged off in XX/XX/XXXX, but recently updated and reported on XX/XX/2018 this account as being current and delinquent. XXXX XXXX XXXX has updated this account multiple times with different balances, dates, and outcomes. This account is fraudulent and does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to express my ongoing concern about incorrect late payment entries on my credit report. Despite multiple requests for resolution, this matter remains unaddressed. It is essential to emphasize that these late payment entries are inaccurately documented, and I have provided substantial evidence verifying my consistent and timely payments to XXXX XXXX XXXX & XXXX XXXX XXXX. Despite my prior efforts to rectify this issue and the supporting documentation I have submitted, the erroneous late payment entries persist on my credit report. I kindly request that you take the necessary actions to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: Experian Information Solutions 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:
I am a natural person, i am a living human being, i have right under 15 usc 1681. 
XXXX is govern by 15 usc 1681. and they violated my rights numerous of times i demand the accounts listed below be removed because XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor, XXXX XXXX, XXXX XXXX, according to 15 usc 1681 : I have the right to privacy and i did not give XXXX written permission to furnish these accounts.

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 2022-07-19
Company: Experian Information Solutions 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:
Hello on XX/XX/2022 I sent a inquiry removal letter and FTC report to experian and they deleted some inquiries but not all. They don't understand this is hurting my record and tarnishing my character, They are brushing off my issue and not taking me serious. I know per the fair credit reporting act legally these unauthorized inquiries must be removed and blocked. Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. My Info was also impacted by the XXXX data breach so I dont know who could have my information now. I do not want a fraud alert placed on my credit profile none whatsoever but I demand these fraudulent inquiries be removed please.

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