BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-05
Company: CL Holdings LLC
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 paid collection company XXXX to remove this account from my credit report which I was told they cant remobve I would have to ask XXXX XXXX XXXX. So I called them and they told me they cant remove the account but will show paid in full. But I want them to to remove this account off my report because its ruining my credit score on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like to express my gratitude for the efforts of the XXXX in addressing certain fraudulent items on my file attributed to an alleged identity theft. However, it has come to my attention that certain remaining fraudulent items still persist, necessitating further resolution, especially in my Equifax Credit Report. I have previously submitted a complaint as a victim of identity theft, outlining the specific fraudulent items in dispute. It is crucial to emphasize that these disputed items are unrelated to any transactions for the acquisition of goods, services, or funds that I have personally authorized or engaged in. I kindly request the removal of the reporting of these fraudulent items from my credit file, which were a result of the alleged identity theft. Notably, similar information pertaining to these items has already been expunged from other bureaus, casting doubts on the accuracy and reported history of the items under consideration. Per the provisions outlined in FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, I bring to your attention the following details : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-03
Company: EQUIFAX, 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:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX. XXXX  has me at a score around XXXX. That is a huge difference. XXXX  paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: GA
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: Their investigation did not fix an error on your report

Complaint:
I attended XXXX and was advised that the school was in the process of losing its accreditation and it wouldnt effect my credit or prohibit me from getting any further loans so that I could continue my education. That is not the case and I have been plaque by this matter for several years,

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 2023-03-24
Company: Experian Information Solutions 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:
these items that are being reported on my credit report do not belong to me i have already submitted a police report because i believe i am a victim of identinty theft these listed items are affecting me negatively and making my day to day life hard and moving forward in my life impossible

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 2023-03-24
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: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) Account number : XXXX, XXXX  Account number : XXXX, XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX  ) Account number : XXXX, XXXX Account number : XXXX, XXXX  Account number : XXXX, XXXX Account number : XXXX, XXXX  Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) Account number XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account number : XXXX, XXXX ( Original XXXX XXXX XXXX XXXX  ) Account number : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX  ) Account number : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account number : XXXX, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) Account number : XXXX, XXXX Account number : XXXX, XXXX, XXXX Account number : XXXX, XXXX Account number : XXXX, has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-07-11
Company: Experian Information Solutions 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:
Ive been sending in disputes to remove these accounts off my credit. I didnt know these accounts where on my credit until I tried to purchase a home. These are not my accounts.

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 2021-12-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Having issues opening account at any banks saying overdraft abuse and i have already reimburse those overdraft i need this issue fix to help me open an account please. 
Thank you.

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 monetary relief
Consumer complaint received 2018-10-12
Company: Prosper Marketplace, Inc.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The account is paid off and closed but it is reporting as open

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 2018-10-11
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XX/XX/2018, at approx XXXX CT, I spoke with a Chase Card services Supervisor at their telephone center. This individual advised me that a new promotion would be running for the Sapphire program starting XX/XX/2018. On XX/XX/2018, at approximately XXXX CT, I spoke with another Chase Card service supervisor named XXXX. I advised her of the previous information as well as the previous CFPB complaint in regards to Chase failing to honor their written promotions. XXXX advised she checked their internal info and showed NO promotions and was unsure where the previous Supervisor would have gotten her information. I then asked XXXX for the previous supervisors name to include in this CFPB complaint and she declined. XXXX also declined to provide any other information that could Identify the Supervisor I spoke with on XX/XX/2018, for the purpose of this report. XXXX was advised of a secondary CFPB complaint being filed for misleading information. See previously related CFPB Complaint # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Carvana Group, LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Had contract in place to buy vehicle. Carvana changed terms after processing payment for shipment. I canceled contract, Caravana is attempting to take {$1100.00} out of savings account, which they will return but not until XXXX business days later. I can not afford XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Resurgent Capital Services L.P.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
this company took on a debt from a company that I NEVER used. They sent transactions that are in another state over a course of time, that does NOT match my address. A credit card was never mailed to me, I never applied for such. I'd already reported fraud on my credit profiles after being alerted that my information was listed on the dark web, I also reported as soon as I noticed incorrect activity and this company is trying to make money off of a victim! I am already dealing with a security breach lawsuit with XXXX XXXX, I do not want to deal with this fraud profile, but I will. Remove this from my credit report NOW!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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:
Portfolio Recovery Associates continues to break the law and violate consumer 's rights. They refused to send requested documentation that would allow XXXX XXXX to verify the validity of the alleged debts furnished to credit files. Portfolio Recovery Associates willingly and intentionally continues to engage in intimidation, deception, and illegal debt collection tactics. They have made representations about unsubstantiated debts and misrepresented conducting sufficient investigations furnishing inaccurate information to XXXX. In retaliation for attempting to validate the alleged debts furnished, Portfolio Recovery Associates changed the date of last activity to XX/XX/23. This looks deceptive and suspicious. This attempt to misrepresent this alleged debt is to intimidate and harass consumer and violate the cease and desist direct and indirect communication demand. They purposely furnished this erroneous and false derogatory information to injure the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: CAINE & WEINER COMPANY, INC.
State: GA
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:
I wrote Caine & Weiner on XX/XX/2021 asking for validation of an alleged debt that they claim I owe their company, in this letter I also declined their invitation to do business. I told them to produce the validation of the alleged debt, if they could not produce that information they needed to cease collection activity and close the account. They did neither of them, what they did was insert it onto my credit report, which is a violation of the FCRA. If an account have not been validated it could not be on my credit report. They responded on XX/XX/2021 with a printout from their database that does not constitute validation. Anyone could make up a database with other people personal information that doesn't mean it's valid. I then responded on XX/XX/2021 letting them know that and informing them of their of the federal and state laws they have violated and demanded for the item to be deleted in 10 days. They did not respond to my letter and still have not deleted the unvalidated account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: EQUIFAX, INC.
State: MI
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:
Checking over my XXXXnquires & I noticed the inaccurate inquires I am not aware of that I called & disputed 30 days ago is still on my report. I contacted the creditors & bureaus provided all documentation stating Im not aware of this. Yet this is still reporting. Please remove these inaccurate inquires from my report ASAP!. you are going against the law section 609 of the Fcra 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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: EQUIFAX, INC.
State: OH
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 AM SUBMITTING A COMPLAINT REGARDING MY XXXX XXXX XXXX XXXX ACCOUNT WITH A XXXX LATE PAYMENT REPORTING. I DO NOT RECALL BEING LATE AS MY PAYMENTS ARE MADE ON TIME AND ACCORDING TO MY RESEARCH ON LATE PAYMENTS, DUE TO COVID 19 & THE HEROS ACT LAW, THESE XXXX LATE PAYMENTS SHOULD HAVE NOT BEEN REPORTS AND I ASK THAT THEY BE REMOVED EXPEDITIOUSLY. THE XXXX LATE PAYMENTS ARE FOR XX/XX/2022, XX/XX/2022 AND XX/XX/2022. I RECEIVED ACCOMMODATIONS BECAUSE OF THE ERRORS AND SINCE I HAVE BEEN GIVEN ACCOMMODATIONS THAT TOO IS A REASON THESE FALSE LATE PAYMENTS SHOULD BE REMOVED. THIS IS DAMAGING MY CREDIT REPUTATION AND I AM BEING DENIED CREDIT BECAUSE OF THESE MISTAKES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 AM SUBMITTING A COMPLAINT REGARDING MY XXXX XXXX XXXX XXXX ACCOUNT WITH A XXXX LATE PAYMENT REPORTING. I DO NOT RECALL BEING LATE AS MY PAYMENTS ARE MADE ON TIME AND ACCORDING TO MY RESEARCH ON LATE PAYMENTS, DUE TO COVID 19 & THE HEROS ACT LAW, THESE XXXX LATE PAYMENTS SHOULD HAVE NOT BEEN REPORTS AND I ASK THAT THEY BE REMOVED EXPEDITIOUSLY. THE XXXX LATE PAYMENTS ARE FOR XX/XX/2022, XX/XX/2022 AND XX/XX/2022. I RECEIVED ACCOMMODATIONS BECAUSE OF THE ERRORS AND SINCE I HAVE BEEN GIVEN ACCOMMODATIONS THAT TOO IS A REASON THESE FALSE LATE PAYMENTS SHOULD BE REMOVED. THIS IS DAMAGING MY CREDIT REPUTATION AND I AM BEING DENIED CREDIT BECAUSE OF THESE MISTAKES.

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 2023-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information 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 2023-11-30
Company: NAVY FEDERAL CREDIT UNION
State: OH
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
XX/XX/2023 I applied to get a credit card/line of credit from Navy Federal , I have an account with them. I was denied on the basis of my credit report, which is illegal and discriminatory. I reached out to the company upon me researching and learning more of my RIGHTS that I should not have been denied and attempted to remedy the occurrence. I started a chat within he messaging portal on the app on XX/XX/2023. I was met with opposition, stating that my credit was not sufficient and that I would have to reapply seeing as though it was beyond 30 days. I was invited by email to apply for a line of credit XX/XX/2023, which is evidence that a soft pull was done to access my credit report without my consent, which is also illegal and considered bait and switch. I requested that my application be withdrawn and returned to me seeing as though I am aware that my application has been securitized and began being traded, collecting interest for their company without my just compensation. Still nothing. So on XX/XX/2023, I applied again and was denied yet again. This is negligent non compliance which holds penalties, this is also securities fraud and violations to my consumer rights. This is also stopping the flow of commerce which is an offense as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
After checking my credit I realize that I have been victim of identity theft, inquiries has shown in my credit report that i did not authorize.

An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file, please remove any other address, other than my current to prevent others to use my name. I'm reporting this as an effort to clear my name.

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 2021-12-03
Company: PNC Bank N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I closed my PNC Bank Checking Account on XX/XX/ 2021, and I have not received my XXXX and XXXX 2021 Social Security Didsability Benefit checks nor my XXXX and XXXX round of Stimulus Checks for 2021!!!

Company response to consumer: Closed with explanation