BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-14
Company: Exeter Finance Corp.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Per my XXXX credit report it states that a company called Exter finance is an open account. I have never heard of such company, then I called that company and asked a few question. It turns out they are a automobile finance company. Only car finance I have is from XXXX. They search on my social security and as I thought there is no account under my name. I have no Idea how they have got into my account. 
Please fix

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
IC System is reporting incorrect negative information on my credit file.I recently received a copy of my credit file and noticed that IC SYSTEM is reporting a collection on my credit from XXXX. According to the Fair Credit Reporting Act ( hereafter referred to as FCRA ) Section 609 ( a ) ( 1 ) ( A ), You are required by federal law to verify through the physical verification of the original signed consumer contract all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. 

Therefore, I am demanding to see verifiable proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed I am absolutely certain that the item is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not  send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter

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 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Dear TransUnion, To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re- investigated. 

XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Sincerely, 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 2023-06-01
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 submitted a complaint last XX/XX/2023 and XX/XX/2023 and it was closed immediately and marked as no further action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2019-03-23
Company: Diversified Consultants, Inc.
State: DE
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:
Since the origin of the account /debt collection attempt dated XX/XX/2016 i contacted the debt collector directly diversified consultants as well as a representative of XXXX  . I telephoned the company and requested copies of the original documents proving the debt is mine, I have been a victim of identity theft and have a fraud alert on my account. i never received any documentation nor validation of the debt therefore. Diversified Consultant is committing fraud by innuendo defamation of character as well as slander additional to a long array of violations and illegal practices in accordance to the FCRA as well as the Freedom of Information Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: Bass & Associates, P.C., Attorneys at Law
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
there is no way of doing any corresponding online with your account. You are help to speaking only to them. I DO NOT have the hours to spend on hold to change my CC #. I have been trying for 4 weeks now and have been on hold for a total of 12.5 hours!!!!!!!!!!!!! That is insane on this day and age.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: Maximum Title Loans, LLC
State: AZ
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My son is delinquent on auto loan. Loan and title have no connection to me. My son stays at my home off and on. Debt collector has called my home phone and my cell phone multiple times. He has been vulgar and has even threatened that he knows people where I work and will make comments to try to have me terminated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Please remove this erroneous account from my credit report as it is not mine and I did not authorize anyone to use it.

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 2019-06-19
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a XXXX XXXX credit card and was so excited about this card and US BANK Has pulled a credit inquiry with XXXX  and I was told I could be approved for credit card if I can verify my identity which I did and being out on hold for hours and talk to 49 different reps and half of them were rude to me and hanging up the supervisor of the account verification dept is refusing to give me my application number for my credit card application and I ask for it several time and I was told they are not allowed to give it out over the phone and he was rude to me and gave me a hard time and said they dont feel comfortable of giving me credit I ask the supervisor why and he told me he wouldnt discuss it with me that I have to wait for a letter to come in .... I explain to him there is nothing wrong with my credit report and I have a good credit rating so I dont know what going on .... I feel discrimination and disgusting and I wont be doing business with us bank ever again The application number is # 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 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I NOTICED INACCURATE INFORMATION ON MY CREDIT FILE AND I SENT IN SEVERAL DISPUTES, I NEVER RECEIVED A RESPONSE FROM ALL THREE CREDIT REPORTING AGENCIES REGARDING THE INVESTIGATIONS.

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 2019-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Problem with personal statement of dispute

Complaint:
In the summer of XXXX I was denied a mortgage loan due to inaccurate information reported from the credit bureaus. My report displayed a collection bill from XXXX XXXX XXXX, XXXX XXXX stating that I have charge offs and open accounts. In the past I did have an installment loan with this company, but that account was paid as agreed upon with no issue. I reached out to XXXX XXXX and was given no proof of an open or unpaid account with them. When I mailed validation letters to the bureaus to confirm this debt nothing was sent other than a statement that this company has provided them proof of this debt. On XX/XX/XXXX I sent another round of letter to the bureaus and this time XXXX   is stating that my certified typed letter with a copy of my social security card and drivers licence, notorized by XXXX XXXX XXXX was not legible. I'm at my end. Please help me

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 2023-04-16
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
My insurance carrier ( XXXX  ) sent a check for over {$50000.00} US to cover the cost of the vehicle loan, over 60 days ago, ( XXXX XXXX ) yet its still showing on my credit. Hindering me from obtaining another loan. This is unacceptable and needs to be corrected 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 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I hope this letter finds you well. I am writing to dispute a hard inquiry listed on my credit report from XXXX XXXX XXXX, dated XX/XX/2023. And XXXX XXXX dated XX/XX/2023. According to the Fair Credit Reporting Act ( FCRA ) Section 604 ( b ) ( 3 ) ( A ) and the Fair and Accurate Credit Transactions Act ( FACTA ) Section 604 ( a ) ( 3 ) ( A ), I have the right to request information regarding any inquiries made on my credit report.

I have thoroughly reviewed my credit report, and this specific inquiry was made without my knowledge or authorization. As a consumer, I have the right to be informed about and give consent for any access to my credit information. The FCRA Section 604 ( a ) ( 3 ) ( F ) ( i ) states that a consumer reporting agency must have a permissible purpose and obtain the consumer 's consent before releasing credit information.

Given the above information, I kindly request that XXXX immediately investigate the validity and authorization of this hard inquiry and provide me with a written explanation within the time frame required by law, as outlined in FCRA Section 611 ( a ) ( 1 ) ( A ).

If it is found that the inquiry was made without my consent, I request that XXXX remove the inquiry from my credit report, as it is causing negative effects on my creditworthiness and financial well-being. Under FCRA Section 611 ( a ) ( 1 ) ( B ), inaccurate or unverified information must be promptly corrected or deleted from a consumer 's credit file.

Please provide me with a written response and a copy of my updated credit report after the investigation is complete. Additionally, I would appreciate any information you can provide regarding the source and purpose of the unauthorized inquiry.

I understand that you are obligated under the FCRA to complete the investigation within 30 days of receiving this dispute letter. Failure to comply with the FCRA guidelines may result in legal action.

Thank you for your prompt attention to this matter. I look forward to receiving your response and the resolution of this dispute. Please do not hesitate to contact me if you require any additional information or documentation to facilitate the investigation. 

Sincerely,

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 2019-03-23
Company: Netspend Corporation
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My name is XXXX XXXX i tried to close my checking account with netspend on XX/XX/2019 they havent sent me my XXXX dollars for over a month i changed adresses and states i live in XXXX XXXX now and was previously in XXXX. I have called them more than ten times on the matter and multiple emails to there corperate office also please call me back at XXXX XXXX XXXX for more information thankyou

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 2020-04-13
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Dear Sir/Madam, On XX/XX/2020, American Express decided to suspend my platinum card for no good reason. I have never missed a payment with Amex or with any credit card and have a credit score of XXXX. I was pre-approved for the Amex platinum I paid {$590.00} for the annual fee. When I called and spoke to XXXX from Amex at XXXX she said my current balance is $ XXXX and due to Covid19 crisis and Amex has no history with me they decided to suspend it. This is very concerning because I have not missed any payment with them and the initial limit was around $ 44K. It is not fair for anyone to be charge {$590.00} annual fee for a card that is not active. I am very fortunate that I have enough money to sustain my living during the Covid19 crisis. I'm more concerned on how credit card companies are allowed to suspend credit cards during a crisis like this. Obviously, we are on lockdown and there is no way to pay via cash to it makes the situation very difficult for the average American people. I've attached all my correspondence with Amex for your reference. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: BARCLAYS BANK DELAWARE
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2019 I called barclaycard to open a line of credit. My intentions with this line of credit was to transfer an existing Barclay balance onto this new card with a 0 % APR. I was very specific about my intentions and verbally stated them multiple times to multiple agents on the phone. Upon hearing my request the agent offered to open me a card. I told her I would only open the account with the pre mentioned stipulation ( the balance transfer ) as a guarantee. It was at this time the agent fraudulently opened the card in my name. Only after my credit was pulled and everything was finalized was I told Barclay does not even consider transferring balances from an existing barclaycard to a new one. They knew this as fact, and in a predatory manner, manipulated me into opening this account anyway. I immediately demanded a supervisor review the recorded phone call of my application and reverse all actions made. I was told the call would be immediately reviewed and I would be contacted back within 24 to 48 hours. After waiting an entire week to hear back from some sort of supervisor within their company, I was finally contacted and notified that they do not listen to recorded phone calls of applications, nor would they be able to do anything about the fraudulent account being opened. This is a predatory and manipulative process that they are putting people through. I can't see how it is legally possible for them to continue to do business the way that they are.

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 2020-04-13
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: Account status incorrect

Complaint:
XX/XX/2020 payment indicates 30 day late on credit report. I have filed an extension for XX/XX/2020 due to Natural Disaster and was granted approval. I have ask to have the late removed of credit report. I was also informed During the Natural Disaster the loan company will not be reporting late to credit agency during the Natural Disaster ( Covid19 ). I have talked and confirmed with XXXX and she indicated I was correct it should be appear but it shows on my credit report. Please assist with the removal.

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 2020-07-13
Company: Experian Information Solutions Inc.
State: TN
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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX XXXX XX/XX/XXXX VER XXXX {$0.00} CHAPTER XXXX BANKRUPTCFY DISMMISED XXXX XXXX XX/XX/XXXX VER XX/XX/XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX DSP XX/XX/XXXX VER XXXX {$0.00} CHAPTER XXXX BANKRUPTCFY DISMMISED XXXX DSP XX/XX/XXXX VER XX/XX/XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation