BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Opened XXXX {$130.00}, XXXX XXXX Opened XXXX {$620.00} 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2018-07-05
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I Don't Understand Why This Account Is Listed As Derogatory. I Have Always Paid As Argeed.

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 2021-02-09
Company: SYNCHRONY FINANCIAL
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Last year I purchased a new Heater through XXXX  XXXX  and they were offering financing through SYNCHRONY Financial. When I received my 1st statement I noticed a {$29.00} activation fee which the XXXX Sales person never told me about and I never even talked to Synchrony he entered all my information on his XXXX for approval. 

When I emailed Synchrony they never really addressed the issue.

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 2021-02-09
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent a request to investigate inaccurate accounts on my credit profile on XXXX/XXXX/2020, it has now been months since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was notified by a credit alert about the debt. I have never received any sort of communication regarding this debt or had a chance to validate it. They are violating the Fair Credit Reporting Act by not doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: AFNI INC.
State: CA
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 have been inundated with calls from a number I didnt recognize recently. Today I answered, and - after a long silence - the caller identified as AFNI - trying to collect a debt on behalf of XXXX from XXXX. I was pressured into making a payment or a payment arrangement, and when I attempted to ask questions I was refused answers and told that I would be reported to a credit bureau if I did not pay immediately. All I asked was for the opportunity to review my own records to confirm the timelines being claimed by AFNI and XXXX, as it has been over a year and I wasnt sure about them. I was again threatened, told that notes were being made that werent accurate, and then forced off the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I spoke with an representative by the name of XXXX at Equifax on XXXX2021. Upon requesting a dispute, XXXX denied me the right to dispute incorrect, invalid and some fraud related items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: Avadyne Health Holdings, Inc
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX has ignored all my certified letters disputing the amount in question ; all my phone calls and certified letters were fruitless ; I disputed my bill and provided proof ; the hospital ignored me and sent me to collections. On XX/XX/XXXX I disputed the collection letter and amount ; my insurance company is doing an audit and they are looking into the bill the hospital claims that I owe ; the hospital did not bill me accurately for services rendered XXXX XXXX. I do not owe the amount on the bill and the hospital did not do everything on the detailed bill. An example, I did not get a XXXX  but they are charging me for one not once but twice - I have a duplicate bill for the XXXX  department.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Comerica
State: UT
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
After receiving a Stimulus check and my most recent Social Security Direct Deposit to my Direct Express card ceased to work with at least {$800.00} dollars still on it at the last time I checked my balance. The following when I rechecked my balance by phone which is the only way I have ever checked it, the process had changed by now asking for either my ss # or the entire debit card number. I responded in consecutive tries both ways. immediately on completion my call was cut off. I have been trying to reach them for more than a week, each time either being put on hold for as much as 2 hours only to be disconnected or immediately cut off. I have reported it to the Fbi, my local police dept. and the local XXXX TV station. In digging around the Internet ot try to find out how to reach Direct Express, I have only found 2 phone numbers and both react the same when I try to get information they disconnect after I enter the prompted requested information. 
In my looking for help on the internet I came across the XXXX XXXX XXXX XXXX XXXX of Utah, which lists 90 complaints nearly exactly or very similar to mine, that have been registered since late XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: EQUIFAX, INC.
State: NY
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:
Equifax sent a letter dated XX/XX/2021, it states that the results of your investigation of XXXX XXXX XXXX was verified as accurate by XXXX, however XXXX has provided in writing that they are unable to verify the bankruptcy and therefore has removed the unverifiable bankruptcy from their own data base. 

There is no way possible that XXXX verified this as " accurate '' according to the investigation letter from XXXX has evidenced the contrary. Therefore I have requested for Equifax to delete the bankruptcy from my credit report public records and refuse to do so. I do not understand, Equifax uses XXXX to verify the bankrupcty, XXXX says to me it has been removed because unable to verify, I inform Equifax of such in a dispute to Equifax and Equifax is defiant in removing it because they allege XXXX verified as " accurate ''??!?!?!?! 

I am not sure who is playing games, because if Equifax is stating that XXXX XXXX verified the bankruptcy as accurate so then why did XXXX SEND ME A REPORT AND LETTER STATING THEY WERE UNABLE TO VERIFY THE BANKRUPTCY AND HAS BEEN DELETED FROM THEIR OWN DATA. 

I further request, that Equifax obtain my records and or documentation from XXXX proving that this still exists in their data base as verified and as accurate. 

The FCRA requires credit bureaus to verify the accuracy of credit reporting items, here Equifax has failed to do so. XXXX is reporting one story to me and or another story to Equifax. They need to clarify this and therefore have included them in this complaint as well. The other 2 credit bureaus complied when I disputed the same issue here. 

I have attached correspondence from XXXX stating the removal of the bankruptcy as well their report showing that it is no longer on my record. I also provided a letter from the bankruptcy court as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: Nelnet, Inc.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
There was no completion to the complaint or investigation into a resolution. I have called every week for 90 days and sent 2 letters certified mail. The lender came back with a response to the issuance of the loan being given to me in an inept state. The XXXX XXXX XXXX XXXX has stated that an individual who doesnt complete high school or the equivalent is not prepared for the task of understanding the debt that will accrue in college. Their response to me filing paperwork supporting this happened was that I stated on my forms applying for the loan i checked a box stating I had graduate high school or its equivalent. I checked the box without understanding that a high school graduate even needed a diploma. Not only did I not graduate high school I only went to a year and a half of school my entire life through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: ASG Solutions LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2020 the debt collection company, XXXX XXXX XXXX XXXX, aka ASG LLC left  detailed information regarding this alleged debt on a relatives ( not my spouse ) phone number. Advising them they could be held liable for this debt and the amount to settle was {$2700.00}. This violates personal information that can not be shared. I called and advised XXXX XXXX of ASG to cease all phone communication. This is a third party debt collector file number XXXX. All calls are recorded, so there is a record of the call to my mother-in-law on her cell number at XXXX in which they discussed personal information of mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
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 information incorrect

Complaint:
My Name is XXXX XXXX. Am looking at my credit report and there are 8 hard inquiries from the following companies that an disputing because i haven't had any dealings with them. 
1. XXXX. There are 5 inquiries from this company dated - XX/XX/XXXX - XX/XX/XXXX Two inquiries on the same day. 
- XX/XX/XXXX - XXXX. 
2. XXXX XXXX- there are 2 hard inquiries dated - XX/XX/XXXX - XX/XX/XXXX 3. XXXX XXXX. There is 1 Inquiry dated XX/XX/XXXX. 

I have not had any financial dealings with these companies and thus would like to dispute these inquiries. 

Yours respectfully 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 2018-09-24
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax will not put a credit freeze on my account without sending or faxing personal I D including social security number. And they made me give them my SS number over the phone. 

It took me 2 minutes to freeze my account with XXXX and XXXX. 

Equifax is giving me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: Titan Receivables, 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 information incorrect

Complaint:
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX  ( Original Creditor : XXXX CITY OF XXXX XXXX XXXX Balance : {$290.00} TITAN RECEIVABLES , INC XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

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 2021-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
In XXXX XXXX XXXX XXXX was deleted from all 3 credit bureaus. This account does not belong to me and can not be verified. Recently this account was added back to my credit reports. How sway? Because I have never done business with this company and this account does not belong to me. Also, I know for a fact that the credit bureaus have to provide me with a 5 day notice before adding any account back on to my credit reports. I have not received that letter! 
This account need to be deleted from my credit reports immediately because it was added back with out proper notice on top of this being an unverifiable account. 
I am highly considering litigation because this is crazy..

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 2020-11-19
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
Leased a new vehicle under a 3 year lease on XX/XX/XXXX. Lease matured on XX/XX/XXXX. Lease agreement contains a purchase option at end of lease term with a stated purchase price. Lessee has no record of my lease agreement and therefore is unwilling to allow me to purchase the vehicle at the stated price. They have an unexecuted substitute lease agreement with a higher purchase price. 

All attempts to try to resolve the purchase price dispute have failed. I have furnished them with a copy of my original signed lease.

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 2019-06-11
Company: EQUIFAX, INC.
State: WA
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: Other problem getting your report or credit score

Complaint:
I need help getting the dispute results for Equifax # XXXX. I have looked at them online through my phone. I don't have internet access at home and can't print them off at home. I went to the public library and attempted to access them there and got a message that Equifax needed more information to verify my identity. I called them in an attempt to rectify this matter and they said they had nothing to do with the website. Finally the Saturday of XXXX XXXX weekend, I called and spoke to a rep and requested they be mailed to me. I called the following Wednesday and the rep that I spoke with was able to verify the report was sent the previous day. I called and spoke to another rep and requested that the report be sent to me. I was told this could not be done because the results were available online. I told the rep my situation, but she didn't seem to care. I have waited the required 10 business days and the dispute results have not yet shown up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
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: Account status incorrect

Complaint:
We refinanced our XXXX XXXX  mortgage with another bank, and XXXX XXXX  has not reported accurately to all 3 credit bureaus. Both our mortgage and heloc accounts are still showing up as " open '' even though we refinanced almost 2 moths ago. 

I called XXXX XXXX to inquire when they would report and they told me the XXXX of every month. Today is the XXXX and the only credit bureau they reported to was XXXX. XXXX and Equifax are still showing XXXX XXXX accounts as " open ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
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: Account status incorrect

Complaint:
XXXX XXXX REPORTING 30 DAY LATE ON ACCOUNT THAT ONLY CHANGED STATUS, FROM DEFERMENT TO FOREBEARANCE, INACCURATE ACCOUNT STATUS. LOAN WAS NOT 30DAYS LATE. ACCOUNT STATUS CHANGED. I FILLED OUT MULTIPLE FORMS, MADE SEVERAL PHONE CALLS, INFORMATION IS STILL REPORTING INCORRECTLY.

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 2018-09-24
Company: Supreme Solutions
State: MN
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:
The two companies that are involved is XXXX XXXX XXXX and XXXX XXXX XXXX, The companies have not came to an agreement on a pay off and my credit is now been effected. Since I traded my car in to XXXX XXXX, The complaint is that XXXX XXXX XXXX believes that XXXX XXXX owes money still, XXXX I dont mind feels XXXX XXXX XXXX is trying to get more money out of them the necessary, I need help with my credit being fixed because XXXX XXXX XXXX Has falsely reported on my account and I have lost XXXX points in total and now I can not get a loan because of this matter still I have not heard anything back from either one of them I consistently called them and now I need someone to step in for me to help me get this fixed I was told because I contacted state of Minnesota office of the Attorney General and they gave me this information and said you may be able to help me with the credit portion please have someone contact me as soon as possible, Has falsely reported on my account and I have lost XXXX points and total and my payment was at a XXXX XXXX and now its at a XXXX and now I can not get a loan because of this matter still I have not heard anything back from either one of them I consistently called them and now I need someone to step in for me to help me get this fixed I was told because I contacted state of Minnesota office of the Attorney General and they gave me this information and said you may be able to help me with the credit portion please have someone contact me as soon as possible thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation