BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The US Department of Education is continuing to report my student loans as derogatory on my credit report. As a a result of Presidential decree my loans are in CARES Act ADMINISTRATIVE forbearance through XX/XX/2020. However, they are neing reported as open and past due on XXXX. This resulted in my being denied housing during the pandemic by CRA XXXX use of an XXXX  credit report. I ask that they immediately update this reporting. The Coronavirus Aid, Relief, and Economic Security Act or, CARES Act, was passed by Congress and signed by President
Donald Trump on XX/XX/2020.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: EQUIFAX, INC.
State: ME
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I pulled my credit report and noticed that Equifax only was reporting a XXXX XXXX collection on my account. The date listed was XX/XX/2019 in the amount of {$550.00} by a company called XXXX XXXX XXXX XXXX in XXXX FL. I have no recollection of this XXXX XXXX and contacted Equifax to dispute the XXXX XXXX and find out more information. Equifax refused to remove it and said I had to contact the collector. I contacted the collector, XXXX XXXX XXXX XXXX, at phone number : XXXX. After review of the account, the address they had on file was incorrect and never was my address ( same street and home number but totally different city and zip code ). I then informed them of the incorrect information and asked for This to be removed from my credit report. I also sent in a notarized letter to both Equifax and XXXX XXXX XXXX XXXX with my most recent bank statement and my drivers license to prove my addresses at : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX FL XXXX Equifax Dispute XXXX XXXX. XXXX XXXX XXXX GA XXXX I still have not heard from either company and request that this be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
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: Information belongs to someone else

Complaint:
I am interested in processing disputes on my credit report with Equifax. checking the information on all my file all data is inaccurate. please review and remove the information listed to help secure the correct data in my file. alot of information is invalid an does not match all credit reports. delete all items listed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Mcburberod Financial, Inc. d/b/a SeedFi
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX - Was told it was a soft inquiry XXXX Delete Inquiry XXXX XXXXXXXX XXXX XXXX Was told it was a soft inquiry - XX/XX/2022 - Delete Inquiry XXXX XXXXXXXX XXXX - Was told I was pre-approved - XX/XX/2022 - Delete Inquiry XXXX XXXXXXXX XXXX - Was told I was pre-approved - XX/XX/2022 - Delete Inquiry XXXXXXXX XXXX - Was told it was a soft inquiry/pre approval - XX/XX/2022 - Delete Inquiry XXXX XXXX - Was told it was a soft inquiry loan - XX/XX/2022 - Delete Inquiry XXXX XXXXXXXX XXXX XXXX Was told it was a soft inquiry I later took out a loan from them and now it appears twice - XX/XX/2022 - Delete Inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17
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: Information belongs to someone else

Complaint:
This has been an ongoing battle with Equifax and XXXX I have disputed information, submitted ID Theft Affvaidts and police reports ; they fail to delete items however the remarks say : '' re-investigation in process '' The accounts that are not mine in it related to Identity Theft are : XXXX XXXX, XXXX XXXX ( two accounts ), XXXX XXXX XXXX ( I do not have any children ), XXXX, and XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response back. I feel like I'm being taken advantage of and that I'm not being taken seriously. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 60 days so they should be removed expeditiously. I demand 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 got in 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 2021-08-21
Company: EQUIFAX, INC.
State: PA
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:
The XXXX  account listed on my credit profile is a violation of my consumers rights. The account has conflicting date of last activity and date of last payment. This account is false and inaccurate. Please remove immediately. I have provided supporting documenting showing the inaccuracies of this account. Please remove immediately! I AM NOT A CREDIT REPAIR COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
On XX/XX/XXXX I contacted TransUnion about the following fraudulent accounts ; XXXX XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$8700.00} ), XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$560.00} ), XXXXXXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} ), XXXX XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$6200.00} ), XXXX XXXX XXXX Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} ), XXXX XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$9200.00} ). TransUnion failed to investigate and remove these fraudulent information on my credit report. Attached is the dispute I sent to XXXX on 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 non-monetary relief
Consumer complaint received 2020-10-21
Company: Experian Information Solutions Inc.
State: HI
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:
My identity was stolen. Someone get my information and use it without me knowing it. I did not tell them to use my information, I look at my credit and see all these things I did not apply for. I file a report to get this stuff off of my credit but it is still on there. I want a new car but can't get with all this things on my credit I didn't do. This make things really hard for me and my family. I can't provide them with new car to get around in because my credit is not right, I need these things off of my 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 2023-07-04
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2022-12-28
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA
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:
There are Inquiries that are reflecting on my credit report that I have not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
My identity was stolen. Someone get my information and use it without me knowing it. I did not tell them to use my information, I look at my credit and see all these things I did not apply for. I file a report to get this stuff off of my credit but it is still on there. I want a new car but can't get with all this things on my credit I didn't do. This make things really hard for me and my family. I can't provide them with new car to get around in because my credit is not right, I need these things off of my 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 2020-10-21
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid 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 XX/XX/XXXX, I purchased a product from XXXX called XXXX XXXX XXXX for XXXX. This item had a 30 day return policy. On XX/XX/XXXX, I notified XXXX that I was returning the item and it was shipped via XXXX. XXXX received the item on XX/XX/XXXX. However, I never received a credit. Since I never did, I filed a chargeback and American Express has recently decided against me. 

I've re-opened the dispute with proof of return. The dispute reference # is : XXXX I dropped the item with XXXX  on XX/XX/XXXX. The item was shipped on XX/XX/XXXX. And XXXX received it on XX/XX/XXXX which can be seen in the attached image. I fulfilled all obligations of the return and am entitled to a full refund of XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 went to check my credit as I always do because Im in the middle of purchasing a home I am a first time home buyer. When I check my credit I found out that my credit score have been lowered by XXXX points on all of the credit companies. I then reached out to the lender that I was working with and she explain to me how to handle it. I called the federal student loan company to tell what had happened he informed me that the federal student loan has a right to close my account and transfer it to someone else. I told him I understood that however the Fed student loan company did note it in my credit report. Neither did they note that when they closed my account that my account was in good standings and it was of no fault of me as the consumer that my federal student loan account was closed. Nor did I have anything to do with it, as a matter of fact I did not even know until I went to pay my monthly payment and it was rejected.

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 2019-01-29
Company: Credit Karma, LLC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have an account with CreditKarma to keep track of my credit and accounts. In mid XX/XX/XXXX ( around XX/XX/XXXX as best I can tell ) my account was compromised and the person who accessed it changed the email and password associated with it. Despite the account being tied to my name, social security number, and info I no longer have access to it. CreditKarma not only did not provide the adequate protection of my account and data, they did not even notify me that my information had changed so I had no idea it had been compromised. 

I noticed this in mid-XX/XX/XXXX and reached out to CreditKarma for help. Despite multiple attempts to reach their support team and even tweeting at them I have yet to hear a response. Meanwhile fradulent checking accounts and credit cards have been opened in my name. 

CreditKarma has been irresponsible in their handling of my data and their ability to resolve this issue in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: Merchants' Credit Guide Company
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a letter to the company multiple times regarding the dept. The last response I got from them they sent me back a copy of the XXXXl treatment I got that day. I read that it was illegal and that they are in violation for sending information about the treatment I got. WHEN I sent them a letter saying that they were in violation. They never responded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: FORD MOTOR CREDIT CO.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with a trade-in

Complaint:
On XX/XX/XXXX, I took delivery of a XXXX XXXX XXXX from XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, MD XXXX, ( XXXX ) XXXX. My salesperson was XXXX XXXX and the finance director was XXXX XXXX. I was having difficulty acquiring a loan with my XXXX XXXX XXXX as a trade. I spent several hours over 6 days, working with Mr. XXXX. I could not get a loan with my XXXX XXXX incorporated in the purchase. I was told there was too much negative equity. I asked if it would be a better chance on getting a loan approved if I selected a new vehicle. I was told it was possible. I was shown the XXXX XXXX XXXX by Mr. XXXX. After I looked at the vehicle, I was told that I could get a loan but they could not take my XXXX XXXX XXXX as a trade. I was told by Mr. XXXX XXXX to complete the purchase on the XXXX XXXX XXXX and have the XXXX XXXX XXXX voluntarily repossessed. Mr. XXXX  gave me instruction on how to have my XXXX XXXX XXXX voluntarily repossessed and I was provided with a loan from Ford Motor Credit based on this discussion. The voluntary repossession left me with a charge off debt of {$18000.00}. In XXXX, my wife requested that I return the XXXX XXXX XXXX to Ford Motor Credit. I complied. Ford Motor Credit filed a civil suit for {$6000.00}. Now, I have two repossessions on my credit ( charge off ) and owe {$18000.00} to XXXX XXXX and {$6000.00} to Ford Motor Credit as a result of the transaction with the finance director XXXX XXXX and salesperson XXXX XXXX of XXXX XXXX XXXX. I feel that it was improper for Mr. XXXX and Ford Motor Credit to offer a loan for a vehicle from XXXX XXXX and advise me to have my XXXX XXXX XXXX voluntarily repossessed, knowing I could not pay for two vehicle averaging {$680.00} for each vehicle. The payment on my XXXX was about {$680.00} and the XXXX XXXX was about {$680.00}. Mr. XXXX and Mr. XXXX knew I could not afford to pay for both vehicles at the same time and that is why Mr. XXXX told me to have the XXXX XXXX XXXX voluntarily repossessed. I feel I was targeted and mistreated by XXXX XXXX and Ford Motor Credit by offering me a loan knowing it required me have my car repossessed and eventually sustain a residual debt from the voluntary repossession as well as a negative rating on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Capital Mitigation Services, LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Was contacted my revenue reporting and threatened to contact my employer. 
Offered to set up payments I afford. Acted like I would get wage garnish. Called me on my job. Is it illegal what the done

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Im not sure of the exact dates but I started receiving account statements from them every month but never opened an account. Called them to cancel the account and they said its canceled talked with the credit bureau and set a fraud alert on my account. But still recieving mail about my account that suppose to be closed.

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