BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
TransUnion is showing a hard Inquires that shouldn't be on my report! 

XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX phone : XXXX date : XX/XX/XXXX On XX/XX/XXXX, I called XXXX XXXX over the phone to switch phone plans. I was told I had to Submit a SOFT INQUIRY to verify my identity just as insurance companies do. Minutes later, I received a HARD INQUIRY alert on my credit monitoring app that's shows XXXX XXXX have placed a hard inquiry on my credit report. I asked to speak with a manager on duty and i was informed by the XXXX XXXX manager, the hard inquiry will only last on my credit report for less than 30 days than it will automatically be removed. I DEMAND THIS INQUIRY BE REMOVED ASAP! THIS IS NOT A DISPUTE TO VERIFY IDENTITY. I AM REQUESTING IT TO BE REMOVED DUE TO POOR EXPLANATION BY XXXX XXXX STAFF! 

XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, UT. XXXX Date : XX/XX/XXXX On XX/XX/XXXX, I called XXXX XXXX to apply for a SECURED credit card. I spoken with a XXXX XXXX representative over the phone, to submit my information. After submitting my information, I was informed that I should wait 30 days for my results. Around XX/XX/XXXX, I was informed that the application WAS NOT for the SECURED CREDIT CARD I stated I wanted to apply for. I asked the representative to transfer me to a manager, the manager told me I was to submit another application which will result in ANOTHER HARD INQUIRY on my credit report. Now I have TWO XXXX  XXXX HARD INQUIRIES on my credit because of THEIR MISTAKES! I DEMAND THIS INQUIRY FROM XX/XX/XXXX TO BE REMOVED. THIS IS NOT A DISPUTE TO VERIFY IDENTITY, I AM REQUESTING TO REMOVE THIS INQUIRY DUE TO ERROR BY 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 2022-03-08
Company: EQUIFAX, INC.
State: MD
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:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : XXXX. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX Account Number : XXXX Please remove it to my credit report. 

Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: EQUIFAX, 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:
Previously sent a dispute by mail to equifax for identity theft on the following items and never heard back from equifax. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. In addition, I also disputed the following inquiries as I did not authorize anyone to run my credit and or identity theft : XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
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: Their investigation did not fix an error on your report

Complaint:
On 3 seperate occasions there has been fraudulent inquires on my Equifax credit report. I have a fraud alert and disputed with the company but they refuse to remove them XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Equifax did not provide any helpful feedback. I am attaching my fraud report to this complaint in the hopes of getting these unauthorized inquires removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There is an account showing with XXXX XXXX XXXX XXXXXXXX XXXX which listed a balance of XXXX that I settled out. I have attached proof I DO NOT OWE and have disputed this. It 's still listed that I owe and do 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 2017-11-06
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Was notified that an XXXX XXXX XXXX account was opened I my name four years ago. Started receiving collection letters and phone calls from Diversified Consultant whom was handling the account for XXXX XXXX XXXX. After doing my research found out that my younger yesterday used my personal information too open several accounts and submit fraud. I then notified diversified consultant of the fraudulent activity. I sent evidence to XXXX XXXX XXXX and diversified consultant but whom ignored the evidence and continued with the collection process. I gave in and settled the amount requesting that they clear my name and remove from the credit report. Diversified Consultant in return took the payment and in return posted the paid collection on my credit report which was not the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: World Omni Financial Corp.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
( OPPORTUNITY TO CURE ) SOUTHEAST TOYOTA FINANCE has failed to perform after submitting numerous presentments. SOUTHEAST TOYOTA is still attempting to collect on an alleged debt which has yet to be validated. SOUTHEAST TOYOTA FINANCE represented by XXXX XXXX XXXX, have been highly misleading about their practices and have caused serious harm asa result of said actions. Furthermore, SOUTHEAST TOYOT FINANCE illegally repossessed my automobile, when they failed to provide a " NOTIFICATION BEFORE DISPOSITION OF COLLATERAL '' as required pursuant to ( U.C.C 9-611 ). SOUTHEAST TOYOTA FINANCE has now forfeited their " right '' to collect on this alleged debt as a result of said failure stated above. WITHOUT PREJUDICE, ALL NATURAL INALIENABLE RIGHTS RESERVED. XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: JPMORGAN CHASE & CO.
State: FL
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:
I have Chase credit card that I intentionally set with a maximum limit of XXXX. I had a charge hit my card that I did not approve for XXXX that occurring on XXXX/XXXX/XXXX from a vendor that I did have a monthly recurring charge from but not this high of an amount and I did not authorize this large amount and never authorized Chase to accept any charges over the intentional XXXX limit max that I agreed to. I called Chase shortly after it occurred and was told they accepted the charge because it was a vendor that I use and as a " courtesy '' to me as a card holder. This was not a " courtesy '' and has cause havoc with me trying to pay off my bill. 

Because they did this, I was unable to even negotiate the XXXX amount down from the vendor or make the vendor eliminate it. They would n't budge because they had already received their money from Chase. 

Also, the card being over it 's limit has cause me to be declined for a debt consolidation loan because it is significantly over the credit limit. it is infuriating because I never authorized the charge and had a set lower limit intentionally. 

Chase did say they would visit with the vendor to dispute the charge, but I have already had to deal with vendor directly. It 's really not about the vendor it 's about the fact that Chase and I had an agreed upon contract with a credit card and a set limit that should never have exceeded.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: ASTA FUNDING INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Palisades Collection LLC placed a wage garnishment with my employer. The debt is not mine as it originated in XXXX while I was in high school. They advised a judgment was entered in XXXX and I was served of this. Looking at the court documents I have no idea who signed to receive the documents, as I have never had a roommate. The person listed I have no idea who they are. I pulled the 54 pages of court documents and they are all over the place including filing in XXXX XXXX and XXXX XXXX. It is not on my credit report and the attorney stated : " consider yourself lucky it is not on your credit report ''. I spoke with an attorney who advised proper notice was not done and various other issues. I also shared with the creditor that when I received a letter in XXXX XXXX stating I owed them, I responded with a letter requesting proof. I sent via certified mail and confirmed with XXXX received, but they denied receiving it. I have tried to get them to remove and stop garnishment but the will not, so I am working with an attorney in the hopes of resolving. I researched the company and found the the Attorney General in New York XXXX https : XXXX ) obtain a settlement against the parent of XXXX which is XXXX XXXX, XXXX. I now have to try to hire an attorney to clear this up and stop from garnishment my check. I am a personnel XXXX for XXXX XXXX of XXXX and to have this occur is very embarrassing, to say the least. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted documentation that I have been a victim of identity theft. There are items on my credit report showing that I did not authorize, I have asked that these items be removed and they are still reporting.

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 2021-10-20
Company: EQUIFAX, INC.
State: LA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: STATE FARM BANK, FSB
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:
XXXX  needs to delete and block this account immediately because it is fraudulent, State Farm Bank Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX and XX/XX/2020 i took my truck for repair. the truck was towed in. it came with instructions please replace wiring harness and wires as they had been cut. XXXX manager says bring it in we will look at it. ok he riiggeded it up got it running because my girlfriend drove it home. then the truck stopped. I never knew what was wrong because no one could tell me. i take it to XXXX XXXX so they could tell me and they said wire harness and wires are cut. well that is the same reason i took it to XXXX XXXX wiring harness and XXXX tells me this part has been discontinued. so i called XXXX XXXX and they said parts have been discontinued. instead of the mechanic telling me he could not get a wire harness or parts to come get the car. he rigged it and before i left i had told him if you removed any parts i want you to keep them for me. he did not leave parts. instead he rigged the truck and claims to do all this work included repairing a wire harness. i could had lost my life because of a faulty wire harness and it is against the law to tamper with a wire harness. 

once i found out they never fixed the truck with a wiring harness..i called chase if was over their threshold of 60 days. and chase refused to return me back my money. i told chase i was disputing these unauthorized charges they could not fix the truck, added saying it was beyond the return time on chargebacks. i sent them all documentations they requested and said they were sorry and felt sorry for me. i am a member of chase for over 15 years. and my truck still does not run. it is at home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: Genesis FS Card Services, 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: Account status incorrect

Complaint:
The closed account reflects a late payment that was never late. The creditor has not removed the late payment nor deleted the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: PNC Bank N.A.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check for XXXX at PNC ATM at XXXX XXXX grocery store on XX/XX/XXXX. 
After a couple minutes of " processing '', message appeared that transaction could not be completed. The ATM machine ejected my bank card but did not return the check! 
I called PNC Customer Care and a supervisor assured me that the ATM is audited on a daily basis. The supervisor said it could take up to 10 business days but it is usually resolved within a couple of days. 
The next day I received a call from PNC saying that the ATM was operated by a " third Party '' and it could take up to 45 days for them to resolve the situation. 
I was very upset because this is a lot of money XXXX my inheritance ). 
I was planning on using that money to pay my taxes this week. 
This has really put me in financial turmoil and PNC employees seemed very indifferent to the problem. 
I can't believe the ATM 's are not required to have disclosure that they are owned and operated by a third party. So if something like this possibly happening I would have waited until XXXX and went to the bank in person. 
I can not believe that PNC was unable to contact " Third Party '' and have them audit the ATM to accomodate a financially distressed customer because of an error on their ATM. 
There is no apparent accountability?!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: EQUIFAX, INC.
State: NJ
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:
Follow up to previous complaint XXXX XXXX XXXX XXXX XXXX responded to my complaint that I have listed. Afterwards, i placed a phone call to XXXX XXXX and was told that they no longer have this account and have requested that the credit bureaus delete this item from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
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: Investigation took more than 30 days

Complaint:
moving a deleted debt to a un-claim violation not requested false claim by Equifax Reported a FTC violation e federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy and ... Inaccurate information like that could affect your ability to get credit, insurance, or even a job. ... nationwide credit reporting companies Equifax reported as disaster which is false information XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: AMERIS BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Overpayment on mortgage loan payoff to Ameris Bank on XX/XX/XXXX by {$410.00}. Payoff was wired to Ameris. Overpayment was put into an escrow account. The Loan that was paid off never had an escrow account. So, I am not sure why the funds were placed there. I was also charged {$10.00} to record a satisfaction in XXXX County. I was told that the overpayment would be paid by check in 15 days. This is unacceptable! Not sure if they do this for all overpayments of payoffs. If they do, they can play with a lot of float time that they profit from, including when they finally mail the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX sent me a new card and when they did they reported me a second account on my credit report. Its always been the same account same balance. For one year now they were reporting I was at 100 % utilization on one and then the other was accurate. After a year of impacting me I finally got the bank to send a letter to credit bureaus to remove this one from my report completely. Now all 3 bureaus are marking it closed due to fraud and now my score is down 20 pats. How is this legal I never had two accounts or separate balances. Ive now been impacted for a year this is crazy! Its like the bureaus want is to Have low scores.

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 2020-04-26
Company: Credit Technologies, 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:
I HAVE REVIEWED MY CREDIT AND FOUND SUSPICIOUS ACTIVITY ON MY CREDIT UNAUTHORIZED HARD INQUIRY FROM CREDIT TECH/XXXX  XXXX Mortgage Companies Inquiry date : XX/XX/2018 2018

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: EQUIFAX, INC.
State: VA
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