BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-21
Company: EQUIFAX, INC.
State: CO
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:
Equifax and XXXX should not be reporting. me as an authorized user on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
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:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
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:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXXXXXX 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 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 2021-08-12
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
THIS IS NOT A DUPLICATE COMPLAINT. THIS IS A RESPONSE TO THE COMPANY. 

I have submitted my LEGAL documentation and BILLs that they wanted to use for my " ADDRESS VERIFICATION '' process so I could use my account. Its been now 3 months since this company froze my account but they had no issue with me depositing money from the beginning. They want to steal the money I deposited apparently. Never have I had this much trouble getting verified after submitting multiple legal documents to prove who I am. 

They said my electric bill would work but the last time I submitted this document they denied it. I tried to print another recent bill and XXXX XXXX  XXXX has an issue with their system update that will not make a recent bill for many customers. You can call them to find out or we can do a 3 way call if you think I'm lying. They offered to send me a letter of address confirmation which BINANCE refused. So I have used my GAS bill, and my WATER bill that shows my address in clear text. Yet I received an email saying that the address doesn't match. I have a PO BOX for mailing because I live in a RURAL AREA! the address I live in is shown on the bills. I live in the same neighborhood as my PO BOX as well. The government made that choice to have our neighbors go to the post office for our mail. SO I MAKE SURE ANYTHING I SIGN UP FOR HAS BOTH MY PO BOX AND MY PHYSICAL ADDRESS. Stop giving me a hard time and give me my money back now!

No one has time for this! I expect a response very soon and I better get my account unfrozen because this is unlawful to hold someone's money fraudulently as you are.

By the way I emailed the CEO and their Financial Manger and I received zero response from them. This company is terrible to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
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:
I am formally requesting this complaint to correct the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, the Credit Bureuas are obligated to finish your investigation within 30 days ; please do so, otherwise they will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX. XXXX XXXX XXXX {$1100.00} Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX DE XXXX Balance {$170.00} Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX Balance {$0.00} Date opened XX/XX/XXXXXXXX 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 2020-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was informed by TransUnion that XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) made a hard inquiry on my TransUnion credit report on XX/XX/XXXX. I have contacted XXXX XXXX XXXX twice since learning on this hard inquiry because it reduced by credit score. XXXX XXXX XXXX representatives tell me that they can confirm that I have not applied for any lines of credit, nor have I attempted to consolidate my loans. I have been told by three representatives ( after being transferred to an executive office ) that I have not applied for anything and there should not have been  a hard inquiry made on my credit report. When I ask them to fix this matter, they tell me that they need more information from me and I will receive a letter requesting the information in 7-10 business days. I had the last representative read the letter to me that I will receive in the mail over the phone and I have already provided the information they are asking for. I am very frustrated and see no end in sight. I'm not sure how to get this matter resolved, but it needs to be done promptly. This hard inquiry also lowered my student loan co-signer 's credit score. Please tell me how to proceed.

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 2021-05-28
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:
There is one inquiry on my credit report that does not belong to me I have tried to reach out to the furnisher as well as transunion but they are not helping me out in any way I have not put that inquiry on I have not accepted or approved this inquiry I need this off my credit asap. 

XXXX - TransUnion Inquiry from XX/XX/2020 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 2019-08-01
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I attempted to apply for employment and was denied due to 2 Chapter XXXX Bankruptcies that is somehow reporting on my credit report that should not be as I have never filed a Chapter XXXX Bankruptcy. 

Chapter XXXX bankruptcy - Dated Filed XX/XX/XXXX Chapter XXXX bankruptcy - Date Filed XX/XX/XXXX I have 2 Chapter XXXX Bankruptcy 's that is appearing on my credit report. I have never filed a Chapter XXXX Bankruptcy. I went to the US Bankruptcy Court House at XXXX XXXX XXXX XXXX # XXXX XXXX, IL XXXX and spoke to a clerk and she indicated that she didn't see a bankruptcy and they wouldn't have reported a bankruptcy to the credit bureaus. I have send 4 letters to all 2 bureaus ( XXXX and Equifax ) on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and they have not still responded to my letters as to where they got this information from and why they reported some inaccurate information. Please assist me in this manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-24
Company: FORD MOTOR CREDIT CO.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I co signed for my mother so she can get a car with Ford Motor Credit Company, eventually she lost the car because she stop making payments. Ford took the car and sold it but never contact me about the car, I was willing to keep paying the car but Ford never call me or send me a letter notifying me of what was going on with the car.They send me a letter after they sold the car but never before. I'm very upset I called them asking why they never called me to ask me if I was interested in continuing making payments for this car, they told me the car was sold and hang up the phone. This is affecting my credit and I don't think this is fair, you guys never count with me to sold the car even though I had my rights because I was the co signer, that was a violation of the law. I want you guys to remove the loan from my credit report otherwise I will take legal actions against Ford Motor Credit Company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.

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 2023-04-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items in my file. 
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 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 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 non-monetary relief
Consumer complaint received 2019-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
on XX/XX/XXXX certified letter XXXX XXXX XXXX XXXX XXXX was mailed to XXXX on the address listed on the credit report. They were required by federal law to place a notice of dispute on my account within 30 days of my dispute, which was signed for on XX/XX/XXXX. They have violated the Fair Credit Reporting act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practice Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.

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 2023-03-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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:
Capital One Auto did not change my address. Paid off early but still didn't give me my title and put a late fee on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
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 being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a 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 be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-06
Company: EQUIFAX, INC.
State: FL
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:
CFPB : I have been a Victim of the 2017 Equifax Security Breach. I have disputed with XXXX XXXX over six times regarding the same thing and I have sent them police reports along with FTC reports explaining the situation and each representative assures me that these inquiries are going to be removed. Then once the investigation is complete they sent me a copy of my credit report stating that the inquiries have been deleted but they still remain. I have contacted XXXX because most of the inquiries are from XXXX and they agreed to have them removed but they remain. This is a trying time for many American and worldwide people some of us need to take out loans and due to the fraudulent inquiries it is a hindrance right now to take loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: OneMain Finance Corporation
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
One MainXXXX XXXX XXXX XXXX XXXX XXXX XXXX  MD XXXX has a different status notation on each of XXXX and XXXX credit reports. 
XXXX says " Closed '' and XXXX states " 120 days late '' on their report. 
I have notified these bureaus many times and have not gotten this problem corrected. 

According to 15 USC 1681 ( a ) ( i ) i can dispute these violations if I believe them to be erroneous. As you can see, they are incorrect. ( Paperwork submitted ). 
In addition, these account inaccuracies are hurting my credit standing and are harming my purchase of a house, car, and credit cards as well!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: Experian Information Solutions 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:
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. 

Account name : XXXX XXXX XXXXXXXX, has violated my rights. 

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: Williams & Fudge, Inc
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Williams And Fudge has been repeatedly calling my house asking for my wife 's dead mother, XXXX XXXX, who died 13 years ago. XXXX never even lived here, and this is a fishing expedition. We don't appreciate being called by debt collectors and reminded of a relatives death. 

These people have called 3 times now over several weeks. Most recently at XXXX XXXX CDT on XX/XX/2018. Each time we've told her that her mother died, and the length of time. Yet these calls persist. When asked about what the matter was about, the caller wouldn't tell us. I have a recording of this conversation if necessary. 

This woman died 13 years ago. Give it a rest Williams and Fudge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: TD BANK US HOLDING COMPANY
State: NC
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:
Vehicle was deemed a total loss. Insurance have requested letter for payoff agreed amount. Refused to speak with insurance company on 3 way call with borrow to inquire anout letter. Hung up on us the borrow 3 times in one day after wait time to speak to the loss dept was an hour wait time. Would not provide names or mangement for escalations. Stated will not assist in the Gap indurance process. Was rude and nasty with us the borrower and insurance rep. Phone numbers listed on payment voucher is incorrect and also there website. We just want to pay the loan off amd they refuse to assist and will not speak to us. I have asked for management names they would not provide and only sent me to a voicemail.

Company response to consumer: Closed with non-monetary relief