BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 have been trying to have these inquires removed from transunion and XXXX. I have had no luck. My ex husband who just recently is now deceased tried to open things in my name. 
XXXX inquiries from XXXX XXXX XXXX XXXX XXXX XXXXl XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX inquiries from 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 inquiries from discover with no dispute information XXXX inquiry 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 explanation
Consumer complaint received 2022-03-11
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that 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 should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXXx Data breach and may have got into the hands of the wrong person.

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 2021-09-17
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: Was not notified of investigation status or results

Complaint:
my name is XXXX XXXX with SSN # : XXXX reaching out to request for you to look at my report and remove the inaccurate information that are damaging my credit. i am planning to apply for a loan and these errors are hindering me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
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:
During XXXX - XXXX, I have been a continuous VICTIM OF IDENTY THEFT to date TransUnion is shows FRUDULENT INQUIRIES on my crefit report even after removing the actual accounts. 
1 ) XXXX XXXX 2 ) XXXX 2 different inquires 3 ) XXXX XXXX 2 different inquiries 4 ) XXXX 5 ) XXXX 6 ) XXXX 7 ) XXXX 8 ) XXXX XXXX 9 ) XXXX XXXX 10 ) XXXX XXXX 11 XXXX XXXX XXXX 12 ) XXXX XXXX 13 ) XXXX. 3 different inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-11
Company: EQUIFAX, INC.
State: WI
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 things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that 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 should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: EQUIFAX, INC.
State: TN
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 do not owe XXXX University  or Federal Perkins Loans. Amounts shown on the statements I uploaded show {$300.00} payment made back to Federal Perkins for {$1200.00}. And that I have a XXXX balance with XXXX University. Everything should have been cleared up after the FTC settlement agreement against XXXX University. But instead it was applied to my credit report twice with different account numbers. Ive been disputing this for years and have not been able to resolve it and now Im trying to go back to school and this is stopping me. Please correct this issue for me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: Experian Information Solutions Inc.
State: WI
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:
On XX/XX/2001 I received a notification from Experian credit monitoring that XXXX  XXXX/XXXX  XXXX pulled my credit. I did not authorize this to be done. I did not apply for credit with this company.

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 2021-07-21
Company: CURO Intermediate Holdings
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Speedy cash said I owe {$970.00} on a loan I never took out. The company has no record of the loan and told me someone is using their name. I delete the emails but after a couple of months it comes back. The case number is XXXX. They want me to use this email to respond : mailto : XXXX. Email sent from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: R & B Corporation of Virginia
State: VA
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 XXXX/XXXX/XXXX I Disputed All accounts ... XXXX XXXX XXXX XXXX On which they RECIEVED XXXX/XXXX/XXXX and they did not list account # XXXX and XXXX in dispute! XXXX see XXXX XXXX ] They responded with an itemized statement and MAINTENANCE ORDER WITH ONLY ONE XXXX # XXXX listed when they clearly have four listed on my credit file The XXXX # XXXX is also inconsistent with their account number found on my credit report. 
IT list an original creditor with no contact details, and two exact ACCOUNT numbers with different amounts. These amounts are also inconsistent with the amounts found on my credit report under their tradeline. 
On there maintenance order that XXXX PROVIDED IT CLEARLY SHOWS NO BALANCE DUE AS OF XXXX - XXXX, SO I 'M CONFUSE AS TO WHY XXXX IS PRACTICING EXTORTION, FORCING ME TO PAY DEBTS that are already paid, with no CONTRACTUAL agreement bearing my signature. In the maintenance order Credits are being applied to the orginal alleged debts by creditor until XXXX balance and XXXX is also making payments themselves to the alleged debts found on my creditreport. 
They have made payments on two of their accounts # XXXX, XXXX and paid off the other two accounts # XXXX, XXXX for unknown reasons. 
They also are reporting multiple debts with the same open date, same delinquency date, and same REMOVAL date They did not provide me with any competent evidence bearing my signature, showing that I have some contractual obligations to pay them like I respectfully requested. Nor have i ever agreed to any terms or monthly payments with them. They are still updating their defaming activities without providing me with any proof bearing my signature and REPORTING INACCURATE AND INCOMPLETE info TO ALL Major credit BUREAUs as of today! SUCH AS : INCOMPLETE Account numbers, payment history MISSING Dispute status, monthly payment, high balance, limit, account status INACCURATE Account names, monthly payments, High balance, terms, Balances, Past due, Date open,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Experian Information Solutions Inc.
State: WA
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/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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 2020-04-26
Company: TRANSWORLD SYSTEMS INC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a C/O on XXXX, XXXX, and XXXX for XXXX XXXX XXXX XXXX . I  wrote a debt verification letter to both the creditor ( XXXX ) and the collection ( Transworld ) and sent if certified mail. I received a letter back from XXXX for an account that is not my name associated with an address I've never lived at. Do you know how many XXXX XXXX 's there are? I never heard back from Transworld. I have also disputed with all three credit agencies and they all " verified '' the information but how can that be when this debt is not mine?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
My business executed 2 new vehicle loans with XXXX XXXX XXXX XXXX XXXX. Our loan officer told us that a prepayment penalty would apply if and only if we refinanced the loan. Weve since reached out for payoff amounts due to sale of the two vehicles and theyve assessed {$33000.00} in prepayment premium.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. 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. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. 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 2017-10-29
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I 've already submitted a complaint letter and received response on XXXX. American Express stated that we are working to resolve this matter and will notify you via separate communication. However, I have n't received any updates yet. This is my XXXX contacts to resolve this issue. 
Please credit the XXXX XXXX as advertised by your employee XXXX, ID number XXXX. 

Here is the information for you to look up my previous information. 

CFPB XXXX No : XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-07
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2019 I seen an entry under my credit file under Firstpoint Coll Resources Inc for a collection for {$56.00} for XXXX XXXX XXXX. I have not received any notice from this company saying that I have the right to dispute this debt nor do I owe this debt. This company has violated the FCRA as it states that i must revive a notice of collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, the consumer, XXXX XXXX have been violated by CAPITAL ONE pursuant to Fair Debt Collection Practice Act. CAPITAL ONE has violated XXXX XXXX XXXX by not providing the required items, they have violated XXXX XXXX XXXX by receiving my Cease and Desist and still contacted me about this alleged Debt. 

Reference : Capital One Case : XXXX & CFPB Case : XXXX. 

Please refer to the attached documents for my documents, proof, and demand that was received my CAPITAL ONE on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 previously sent in a claim similar to this complaint and haven't received the necessary results. I am attaching all the necessary documents to have these items removed from MY consumer report. These items are causing me to lose opportunities with work and housing. Please remove 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 2021-09-18
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Numerous times i have contacted Experian to dispute the charge off accounts on my credit report. They have failed to verify these accounts. But these accounts are still showing on my credit report. At this point, they are going against the fair credit reporting act. They are not providing me with correct verification on these accounts listed. 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. Show me proof of verification that these accounts belong to me. And Remove these incorrect accounts 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 2017-10-31
Company: EQUIFAX, INC.
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:
This issue was never resolved and has been on going. I am to the point of filing a lawsuit because the false reporting is causing me XXXX and is taking on me moving because do to your companies false reporting. There is a collection listed as security in the amount of {$1900.00} opened XXXX XXXX and also XXXX XXXX {$1400.00} XXXX XXXX XXXX which is fraudulent and does n't belong to me and I would like remove. Also your agency is not reporting accurately on my credit cards which I have paid down the balances please get these things corrected as they are cause extreme stress on my life. Having a XXXX child with XXXX XXXX XXXX XXXXs enough so please fix these issues so me and my son can move. If there 's any questions I can be reached at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Consumer Adjustment Company Incorporated
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Im disputing a claim from XX/XX/2020 when I was in the emergency room. I two insurance. I have primary insurance XXXX XXXX and my secondary is Medically Needy through XXXX. My eligible following periods was XX/XX/2020 TO XX/XX/2020. Please see attachment below showing eligibility during that year. The XXXX XXXX XXXX XXXX XXXX XXXX department told me that I did I had a zero balance and they had both of my insurance listed. Your company has put me in the collection with inaccurate information. I attached proof of my secondary. I need this error corrected immediately. Im in the process of purchasing home. I find out about the collection wile Im in the process of purchasing a home from where my loan officer pulled my credit. Thank you for your assistant in this matter. Please feel free to call me to help me with this inaccurate information that was reported to the collection agency and credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: Exeter Finance Corp.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
To whom it may concern, I did a credit application at XXXX dealership and Exeter finance Corp accepted my application & was advertising a down payment is a Violation of Title 15 U.S Code 1662. Violating this code is a Violation of the Truth In Lending Act.

15 U.S. Code 1662. Advertising of downpayments and installments No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount. 
( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount. 

EXETER FINANCE CORPORATION Is also asking for a down payment which would be a violation of Title 15 U.S. Code 1605 Violating this code is a Violation of the Truth In Lending Act 15 U.S. Code 1605 - Determination of finance charge Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the SUM OF ALL CHARGES, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge DOES NOT include charges of a type payable in a comparable CASH transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: VW Credit
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Today they have sent a tow truck to come and steal my vehicle in the middle of the night. I have told them that I want to rescind the transaction and they havent responded yet. They have violated my rights as a consumer. I have explained to them that everything was paid for and they still took my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I opened a PayPal account with the understanding that I could send and receive payments from my online business to my bank account with PayPal and I thought the their service was reliable. The first 12 orders that came in through my business on XXXX to my PayPal account was held and they said I needed to provide my ID and shipping information for those transactions which I did. The next day after providing those information my account was permanent banned by PayPal and I was told that my money will be held for 180 days after which I will be able to have access to it. I was very confused and tried to contact PayPal support line to atleast explain to me what was going on or talk to me but I couldn't and still hav n't been able to reach them over the phone. Their customer Service told me off ( I will link a screenshot of the conversation ) and their support line has been unaccessible. My entire business depends on those funds and I am currently unable to pay my staff because this.

Company response to consumer: Closed with explanation