BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-12
Company: WELLS FARGO & COMPANY
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, a consumer and natural person, was denied credit by Wells Fargo when I applied for XXXX XXXX XXXX. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is subject to civil liability under 15 U.S.C 1692k. You are subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was XXXX  against by XXXX XXXX XXXX due to the response I received. XXXX XXXX XXXX is in violation of 15 U.S.C 1642, U.S.C 1681m and 12 CFR 1002 because I the consumer made an application in good faith, but credit WAS NOT issued. Also my social security number ( credit card ) was used and I received NO benefit. This constitutes fraudulent activity ( unauthorized use of credit card ) on behalf of XXXX XXXX XXXX according to law.

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 2020-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 ( collector for XXXX XXXX XXXX ) is reporting collections on my transunion report that was included in a bankruptcy that was discharged on XX/XX/2019. I disputed with transunion & it was updated to include a statement that it was included in bankrutpcy, but that is insufficient as it still is showing as an active collection account that is impacting my score. I need this account removed. It is not an active collection account

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 2021-09-01
Company: EQUIFAX, INC.
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:
I recently filed a report with XXXX, XXXX  and Equifax of inaccurate items being reported on my credit reports. NONE OF THE THREE BUREAUS REMOVED THE INACCURACIES. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of the debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being reported on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipts otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by The Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: Experian Information Solutions Inc.
State: KS
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:
I have 2 XXXX XXXX credit cards that I have been paying on in full each month and they have only been reporting one of the cards and not my other card. They sued me for an account that wasnt mine and but cant report a valid account that is mine.

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 2023-01-12
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
I took out XXXX student loans with XXXX. Im currently still in school and have not made any payments nor am I required to make payments until I am done with school. I called XXXX and advised of the error of them showing me late ONLY XXXX month and the remark for that XXXX month is showing late XXXX days. There are no other months showing late so how could it be late XXXX days. Also, I never paid any payment so how could you be reporting a late payment???? XXXX advised they dont show me late and I should talk to the credit reporting agencies to file a dispute. So the second thing I did was a dispute with all three credit reporting agencies. I asked to have all XXXX accounts removed since they are violating by reporting inaccurate information and in violation of FCRA for also not sending me proof of verification as I requested. So I am now making a complaint. 

I would like all XXXX loans on each credit report removed for reporting inaccuracies. On all XXXX of my credit reports they are showing the following errors for each loan : 1. XXXX section shows each loan late XXXX days 2. There is only XXXX month with a red X that represents XXXX late payment in XXXX of XXXX so how is the loan XXXX days late. 
3. They should not be reporting any late payments at all because Im not done with school. 
4. Each loan is on my credit reports are reporting XXXX different balances Loan # XXXX is reporting highest balance of {$3500.00} and its showing reporting balance {$3600.00}. 

Loan # XXXX is reporting highest balance of {$3000.00} and its showing reporting balance {$3300.00} Loan # XXXX is reporting highest balance of {$1700.00} and reporting balance of {$1800.00} Loan # XXXX is reporting highest balance of {$520.00} and reporting balance of {$570.00}. 

5. Its showing XXXX of the loans as closed which caused my credit score to drop. Also, they are reporting payment status every month and paid amount says {$0.00} for each loan.

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: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I found out today that Equifax reverted my contact information to old contact info WITHOUT my permission or request. This is the phone placed on the file to request a call to validate my ID on my Fraud alert recently I've had the same phone number on file now for years and have opened up multiple accounts and had phone verifications. Suddenly Equifax changed it. I also have ongoing & repeated issues with ONLY Equifax updating and changing my address to my ex-wife 's address. NO OTHER CREDIT AGENCY has these problems.

When I call Equifax, they want to take 48 hours to correct the problem. They also seem to have punitively punished me and now have blocked me from gaining access to my free annual online credit report.

Can you please put these clowns out of business? They already XXXX most of the US with their security breach, obviously continue to mess up and really need to be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
XXXX is reporting three of my student loans late on all three of the Major Credit reporting companies. The Cares Act of 2020 has placed all Student Loans in Forbearance. XXXX  Refuses to rectify the situation my student loans should not be reporting late. 

XXXX has a history of not following proper procedures and has also been sued numerous times.

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 2023-01-18
Company: EQUIFAX, INC.
State: KY
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:
When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: EQUIFAX, INC.
State: MO
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:
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 XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX # : XXXX, Account name : XXXX, Account name : XXXX XXXX XXXX # : XXXX, Account name : XXXX XXXX XXXX # : XXXX, Account name : XXXX XXXX # : XXXX. Account name : XXXX XXXX XXXX XXXX XXXX  : XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX  : XXXX, XXXX. Account name : XXXX XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX  : XXXX, XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: PNC Bank N.A.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have had my accounts linked to my XXXX account and XXXX account. Now I am being told that pnc will no longer allow this connection.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: ERC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I moved my service from a house to an apartment. My fish wasnt able to be installed due to location so the rep took the dish with him and I was instructed to dispose of the box. I was issued a refund for the month since I was no able to use the services. XXXX XXXX then booked me {$55.00} and put the account in collections. I contacted them and they resolved the error, stating they balanced the account and removed the collections. It has been 2 years and XXXX XXXX has put the account back in collections again, after previously resolving. XXXX told me to just pay it, I will not pay a balance that I do not owe and I will sue XXXX XXXX for damaging my credit fraudulently. XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: EQUIFAX, INC.
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 is missing that should be on the report

Complaint:
Here is the letter I have mailed to Equifax. Over last 3 weeks I have followed their instructions to release security freeze, fraud alert etc from my record. This has not been successful. Everytime I call they claim its fine. My lender, XXXX XXXX can not pull my credit report and neither can I. Multiple conversations with management, supervisors etc have come to no resolution. I am going to lose a home due to this. 

Equifax XXXX XXXX XXXX XXXX GA XXXX Dispute Resolution I have 2 addresses. Mailing and Billing XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. Physical address where I live is XXXX XXXX  XXXX XXXX XXXX XXXX Ca XXXX. My credit file shows a fraudulent address block. I did not request this. I want this removed immediately. I have filed a complaint with the FTC in regards to the complete disregard for my multiple requests by mail and by phone. 

If necessary for my credit report please use XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX as my current address. 

Please update and release all blocks on my credit report and or my address. I am refinancing my property and my lender has been unable to pull my credit due to an Equifax error XXXX. 

My Lender XXXX XXXX is trying to pull my Equifax report for a refinance on my property. Error message keeps returning. 

Opened Case ID XXXX with Equifax. No resolution to date XXXX XXXX XXXX Cell XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: EQUIFAX, INC.
State: OH
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 XXXX I submitted a dispute with XXXX  and Equifax to remove an account that is paid from XXXX XXXX. The response was account was " verified '' and would show remained. I called and submitted again on XXXX and was told the same thing. I explained that it was paid and provided the document that was paid and that it should be removed because it was still showing as a negative item on my credit profile. No change. 
On XXXX I submitted a disputes with XXXX, XXXX, Equifax to have unauthorized inquiries removed. Again I was met with the " verified '' statement. I resubmitted again on XXXX and the same answer. I called and asked if they could send me who they verified these items with and I have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Sentry Credit, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Good Morning : Sentry Credit , Inc . 
XXXX XXXX XXXX XXXX, WA XXXX I contacted Sentry Credit , Inc on XX/XX/2023 to validate a debts of {$15000.00} and set up a payment arrangement for a debt that I owe to XXXX XXXX apartments. This is an apartment that I rented for my son and where I know the debt is outstanding the company has never provided me with a letter to allow me to validate or dispute the debt. I have since received an email from the company and I called them back on XX/XX/2023 to provide my payment and they took my bank account information and stated that it was going to take them 13 days in order to provide me written confirmation of my payment. This is truly concerning to me and I am not sure why it takes so long to provide me a receipt for my payments. During the call the gentleman ( XXXX XXXX stated that he was writing my information down and I questioned his response and asked if he was entering the information into a system or was he writing it down. He appeared to be offended however, I have a right to understand how my information is being handled. Also, the company has not provided a written confirmation of the payment arrangement that we agreed to which was {$150.00} for the initial payment and {$150.00} a month to be collected on the XXXX of the month. They told me that they would call me to collect my payment however, I am concerned that they don't have an automated system where I can go and make the payments. I don't choose to be called to pay a debt and should be provided a means to make payment without disrupting my day with a call from the debt collector. 

Every transaction I make with this company should be followed by a written confirmation and not a number provided over the phone. What proof is given to me to state that I have made the payments? How do I know what they are planning to DRAFT out of my account if they don't provide an immediate confirmation of the transaction? 

I asked many questions on the call and they told me I have to wait for an email.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 XXXX I submitted a dispute with XXXX  and XXXX  to remove an account that is paid from XXXX XXXX. The response was account was " verified '' and would show remained. I called and submitted again on XXXX and was told the same thing. I explained that it was paid and provided the document that was paid and that it should be removed because it was still showing as a negative item on my credit profile. No change. 
On XXXX I submitted a disputes with XXXX, Transunion, XXXX   to have unauthorized inquiries removed. Again I was met with the " verified '' statement. I resubmitted again on XXXX and the same answer. I called and asked if they could send me who they verified these items with and I have yet to receive a response.

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 2023-05-13
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:
This is my 20th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion 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 2018-10-24
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I went to the XXXX XXXX dealership on a Saturday a few weeks ago to get aXXXX XXXX XXXX  XXXX. They didn't have the options I wanted and called another dealership that had the VIN of a car that matched my specs and negotiated a swap. XXXX XXXX had me fill out the paperwork for that VIN and told me they would get me the car the next morning. They then submitted that paperwork to XXXX XXXX even though the car was not in their possession. Sunday came and they were not returning my calls asking what was going on. Finally, at XXXX I got a call back that the other dealership sold that VIN already but they found another match at another dealership to do a swap with but would have to come back in and sign more paperwork. Frustrated that they had lied to me and wouldn't return my calls all Sunday I told them to cancel the deal as it was invalid anyway. I am receiving bills though. I contacted XXXX XXXX and they claim they can not do anything. I have an open case with their Customer Care department which has not done anything for 3 weeks. I contacted the dealership directly and have emails from their finance manager who created my deal saying they would resolve this more than a week ago. I  called XXXX XXXX again today and was told I'm in collections because my bill is past due. I called Customer Care today and talked to a supervisor and this has been escalated to a national office, but I can not contact my case manager and have not heard from them. I have to wait and hope that they actually contact me themselves.

Company response to consumer: Closed with explanation