BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-06
Company: Exeter Finance Corp.
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: Their investigation did not fix an error on your report

Complaint:
I sent a certified dispute letter to Exeter on XX/XX/XXXX requesting for an investigation of the errors on this alleged account that is being reported on my credit report. I sent another certified letter on XX/XX/XXXX requesting for an investigation of the errors on this alleged account that is being reported on my credit reports ; which I did not receive a response back from Exeter, XXXX, or XXXX. My latest certified letter was sent on XX/XX/XXXX to identify the continuous inaccuracies being reported on my credit report by Exeter. I also requested for Exeter to send over proof that the alleged repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS 9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL I requested copies of legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle to be provided to me within 15 days from the receipt of the certified mail notice that was sent on XX/XX/XXXX. 

I pulled my XXXX credit report to review, and I noticed that the account has been re-aged and is now reporting a Date of Last Activity as of XX/XX/XXXX with XXXX. I have requested for this erroneous account to be removed from all bureaus on my credit report. There are several inconsistencies and errors that I identified on my credit report. Under the consumer protection afforded by the FCRA Section 605 ( c ) it is against the law to Re-age an account. I also noticed a comment on the Exeter account on my credit report that stated a payment was made after the account was closed. This is a inaccurate statement, and I am demanding for this account to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I talked with Supervisor from customer service XXXX who said my account status changes. Wouldn't explain why. Told him the XXXX deposit was money towards burying my brother and my job pay was yesterday. I needed money groceries and gas. Nothing. This is cruel and unprofessional. They won't give me a date of release!! I'd like to complain

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-19
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: Account status incorrect

Complaint:
I requested my credit reports in the mail. Upon looking at all XXXX, the months of XX/XX/XXXX and XX/XX/XXXX has not been updated accordingly for Texas Attorney General. Also, this account is paid as agreed and not late. This negative remark is affecting my credit worthiness and my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Bread Financial Holdings, Inc.
State: RI
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 reached out to XXXX numerous times however these fraudulent accounts are still inaccurately reporting on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11
Company: Experian Information Solutions 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2021-03-26
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I found out on XX/XX/21 that Citizens One ( CO ) had reported my account as 6 months delinquent, and my credit score dropped almost 200 points. I am in the process of a home purchase and have about XXXX in it that I wont get back if this doesnt go through. I called CO and they apologized, said it was their mistake, and they were filing a claim on my behalf, and that my credit score would be back to normal in 2-3 weeks. I called back on XXXX because my score hadnt changed, and was told that the agent had done it wrong and it was now being fixed, that it would be restored in 2-3 weeks. It is still not restored. I called XXXX and they have no record of CO attempting to correct the mistake. I started my own claim a few days ago and can not reach CO to quickly verify my claim so that I can buy the house, before its too late. I have spent about 24 hours on the phone with absolutely incompetent people trying to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
XXXX / XXXX / 2017  Equifax Could n't get free credit same a before just a scam to get you to pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-19
Company: GMA Investments, LLC
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
on  XXXX / XXXX /   2017  i was contacted at  XXXX   XXXX . They also call from a private number as well

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: The CBE Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Explained there is no debt from 2016. Called company debt was supposedly owed to. company has no record of outstanding debt. Said to ignore phone calls from debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: PNC Bank N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This is a follow up from the first complaint that I filed in 2020. The bank did have a representative contact me to resolve the issue but she did not resolve the issue in a satisfactory manner. I have many reasons to believe that the representative did not take XXXX  XXXX XXXXperson seriously. It seemed that every banker she referred me to ( except for one ) had been negatively influenced prior to speaking with me and they were always suspicious. While I was told that they would straighten everything out that did not happen. Also the representative stated there would be a credit accessed to the account even though I asserted that I was willing to pay the charges totaling {$58.00}. The credit was never assessed to the account and it was held against me. I worked in good faith to get the matter settled and worked with the bank to achieve a fair resolution with an amicable repore but there was no effort on the part of a number of bank employees to make that happen. In fact certain bank employees did not return my calls about errors that had been made and were allowing certain errors to continue and refuse intentionally not to communicate over a period of time with me directly until the responsibility got confused and then took adverse action on the account. 

This mishandling has created a hardship for XXXX  XXXX  operation. 

I don't believe PNC was acting in good faith. 

Furthermore they never properly processed the change over to my merchant account. Even though I made numerous telephone calls and filled out paper work to clear up the problem PNC never processed the changes. These actions not only occurred with my bank account but also my merchant services account and ultimately caused a loss of income to XXXX XXXX and this was a major negative impact during the pandemic. 

I do have specific dates and times that I can refer to regarding this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-01
Company: OneMain Finance Corporation
State: OH
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:
Today XX/XX/XXXX my phone just got a text that my credit was just checked and I never authorized a check for anything. I think someone is using my information without my consent and it may be my ex I'm not sure.I have text alerts when my information has been used and this isn't the first time this has happened. Text said it was XXXX FINANCIAL and it went to my email address as well. It has to be someone close to me that did this. My last name been changed for over a year I got married in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: JPMORGAN CHASE & CO.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2019, I deposited a check in the amount of {$930.00} into my account. The next day, Chase requested more information, which I provided. On XX/XX/XXXX, I noticed a recurring charge for XXXX  was not going through. I thought this was odd since the charge was for {$2.00} and I had nearly {$400.00} in my account. I called Chase and they told me the check I deposited was being returned and they were closing my account. Furthermore, the money I already had in my account was frozen and inaccessible to me. 

Today, XX/XX/XXXX, I pulled up the account online and saw that the check was processed and shows as available in my account. I called Chase once more and they reiterated that they were closing the account and the check would be returned. 

I have received no notice of cancellation from Chase, and would not have even known had I not called them myself. I have received no explanation for the closure, and they steadfastly refuse to provide one. They continue to hold my money hostage with no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 account belongs to my someone else not my XXXX XXXX XXXX  Account Number XXXX Account Type Unknown Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status UpdatedXX/XX/XXXX Balance {$16000.00} Balance Updated - Credit Limit - Past Due Amount {$16000.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX  ) XXXX  Contact Address XXXX XXXX XXXX XXXX NY XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount - Comments - Payment HistoryXX/XX/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 2022-02-17
Company: Thaxton Investment Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Covington Credit is reporting a debt on my credit report and I have requested several times they supply me with verification and validation of debt per my right under the FDPCA section 809 a and b. They refuse to provide but continue to report this debt on my credit. I am in the process of buying a home and if I lose this house I will hire an attorney and see damages actual and statutory damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: I.C. System, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I used to have XXXX XXXX until their prices continued to change. As of XX/XX/2020, I changed my provider to XXXX XXXX. I made multiple attempts to contact XXXX XXXX XXXX  to stop my service, but due to the language barrier with their service representatives, they continued to bill me for 2 more months. They are continually sending me statements & have now sold the debt, fraudulently, to a third party collection. Today, my credit score was dropped by XXXX points due to their unscrupulous tactics. I want my score restored & this debt removed.

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 2021-08-12
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
this company produced a fake check and ran it through my banking account for {$910.00} on XX/XX/21. Ive never been contacted by this company much less taken to court. I reached out to them when i was fixing my credit we could not come to an agreement so i left it alone. My bank seen that it was fradulent and returned the money back. Now they are reporting negative remarks every month they are bullying me. When they did the fake check thing i called and said that was illegal the lady was very shady and wouldnt give her name only her intials please help this cant be acceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: MD
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate 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 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 explanation
Consumer complaint received 2020-10-26
Company: EQUIFAX, 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:
Ive been going over my credit report and I saw some incorrect accounts that were on there.

I do not ever remember applying for credit with your company, so I would like to know what permissible business purpose you had for pulling my credit?

My credit score is really being affected and its getting in the way of my financial ventures because of this. I want to dispute these accounts until I get to the bottom of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: 1st Franklin Financial Corporation
State: AL
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 have disputed this item twice this year, experian continues to update the dispute as accurate not making any changes. I tried to contact the creditor at the the phone number and address listed on my credit report as contact information for XXXX XXXX. The address in in accurate, the phone number when answered is 1st Franklin -- told by 1st Franklin that they purchased XXXX XXXX and that they have no information in their system in reference to me, that the account was paid and never late when no longer in their system. 
I pay for credit monitoring thru XXXX and have called XXXX and called XXXX  and they continue to ignore this situation. XXXX is not complying with federal law, they have no proof of the account only a statement, they do not provide me with accurate information to contact the creditor, etc. 
Credit Report # XXXX Account NameXXXX XXXX XXXX # XXXX Account NumberXXX Account TypeNote Loan ResponsibilityIndividual Date OpenedXXXX StatusClosed. {$450.00} written off. 
Status UpdatedXXXX Balance {$0.00} Balance Updated XX/XX/XXXX Recent Payment Amount $ XXXX Monthly Payment {$65.00} Original Balance {$450.00} Highest Balance {$0.00} Terms 7 Months Payment History show tooltip button Tap a month for more informationShow payment legend XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CLS XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX OK XX/XX/XXXX OK XX/XX/XXXX 30 XX/XX/XXXX 60 XX/XX/XXXX 90 XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO Historical Info First ReportedXX/XX/XXXX Original CreditorXXXX XXXX XXXX Creditor Info Phone Number ( XXXX ) XXXX AddressXXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Comment show tooltip button Purchased by another lender. 

Reinvestigation Information This item remained unchanged from our processing of your dispute in XX/XX/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 2023-04-06
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: Personal information incorrect

Complaint:
I have been working on my TransUnion credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX, GA XXXX and the other address that should be removed is XXXX XXXX XXXX XXXX XXXX, GA XXXX. 
I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2018-10-27
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:
I have disputed the late payments XXXX XXXXXXXX, XXXX  XXXX accounts for months. Transunion refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

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