BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and discard or remove them from my file immediately. 
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 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 2021-04-28
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:
There are several things that are not being addressed on my credit file. I have disputed several times and no one is doing anything about it. I need some help The credit agencies are reporting inaccurate information XXXX XXXX XXXX XXXX - This account is passed the statute of limitations and is still on my credit file. 

XXXX XXXXXXXX - I DO NOT OWE this debt, this is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 was a victim of Identity The. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity the. The following items need to be removed and blocked as they are fraudulent. Accounts XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX  Account Number : XXXX Inquiries XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXXXXXX XXXX  Inquiry date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXXXXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX  XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XXXX XXXXXXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX, XXXX Inquiry date XX/XX/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 2021-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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  and Transunion should not be reporting that I am ( 30 ) days late on the XXXX  XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. In addition, this account is over ( 7 ) years old and should not be reporting at all. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX as well as the bureaus to fix this however, I have not been successful.

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 2021-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Trans Union is violating FCRA regulations by reporting fraudulent information on my credit. As per their request, I have sent them police reports, court documents & FTC affidavits documenting bonafide ID Theft/ Fraud however they have failed to remove 5 accounts on my credit report which has lowered my credit score by over XXXX points. 

Today I talked with a supervisor- XXXX XXXX who said that all he could do was file another dispute even though Trans Union has already disputed the information several times. Disputing is pointless because it is fraud so the original creditor is validating fraudulent information. More importantly, the original creditors can not provide proper validation that is required by federal and Texas state law. The original creditors, due to fraud, can not provide me or Trans Union with any original credit application or signed loan contract with my signature displaying that I borrowed money or applied to borrow from them which is a strict violation of FCRA. 

As per federal and state law credit reporting agencies must remove any information from a consumer credit report that can not be properly validated.

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 2021-03-26
Company: CORELOGIC INC
State: CT
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 went to a car dealership company in XXXX XXXX  XXXX looking for an XXXX XXXX XXXX specifically I was introduce to four different salesman as soon as the sale occurred from the beginning it was an unorganized and very inconsistent atmosphere, while Im sitting down in an office another agent comes in and tells me what I am qualified for I never put down any consent for anything but at the time I did not put two and two together as to how he knew what I was eligible for-for the down payment. I then later got a notification from my XXXX XXXX and XXXX  account saying that my credit score has changed from a hard inquiry and I have called the company back and they did not reach back to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Dear Sir, Suntrust caused me the issue and should be accountable related to the {$25.00} monthly fee. It has impacted me. Please pull the call and history to see when the 800 representative closed my money market but did not inform me this would cause a {$25.00} fee from my checking account. I relied on her expertise and she misinformed me. I request a courtesy money market opened to correct this mistake, an ongoing monthly credit or to simply link my checking and my trust account to avoid the {$25.00} fee which could have been avoided. Thank you so much for your time. 

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 2022-09-09
Company: AES/PHEAA
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 have disputed all 14 derogatory marks on my credit report to Fed Loan and the said they would be removing these items but have not done so. XXXX should no longer be reporting these items on my report because they were paid and now closed. Why does XXXX think they can continue to report something that I the consumer disagrees with? XXXX is in violation of FCRA all of these accounts have not been active for over 10 to 12 years they need to be remove and they on keeping them on there to keep my credit score low. This system is not designed to help people but fail them. I am very disappointed in what has transpired with our Credit Reporting Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
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:
There is one account on my credit report that is not mine I have never applied for anything like this or signed or used anything like this I need this removed from my credit account asap. 

XXXX XXXX - Acct # XXXX XXXX XXXX {$6300.00} Date opened XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: Experian Information Solutions Inc.
State: FL
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:
This account is reporting late as reported in my XXXX and Credit bureaus. This account should not be showing the current status of 30 days late since its already been paid for. It seems impossible to accrue late on an account that has already been paid. Please report the payment status positive and update all late from reporting on this account. 
XXXXXXXX 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 2021-08-13
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Jeffersons Capital Systems garnished my payment without any notice or a heads up before the process continues. I personally wanted to settle the debt but they knowingly sent the court papers to the wrong address. I specifically said KNOWINGLY because they came to serve me at my current address, the previous address is not my residence. On XX/XX/XXXX I started noticing that my paycheck was being garnished without any knowledge or notice, so i called Jeffersons capital system and wanted to settle the debt. On XX/XX/XXXX we agreed that if i pay and make half of the payment they would initially stop the garnishment, its XX/XX/XXXX now and my wages is still being garnished. I've called and i gave them my work fax number for them to send the judgement to stop the garnishment. They have not done so. XXXX the manager there and XXXX as well lied and say that they would try to fax it as soon as possible but my job still has not received any mail or fax regarding this matter. I have satisfy the amount owed and more but they have not send my job the final judgement yet. I cant pay my bills, my son needs school clothes and materials to start the year. I don't have any funds left.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
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: Information belongs to someone else

Complaint:
I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : -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 2023-10-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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:
Equifax, I was a victim of identity theft and there's an unauthorized hard credit inquiry that needs to be removed immediately- please see below and attached. 

The unauthorized hard credit inquiry is - XXXX XXXX  - XX/XX/2023 Please see attached for my drivers license, social security card, address, and FTC complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: The CMI Group, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My XXXX  account was turned over to a Collection Agency for none payment of a bill I was unaware of. I paid the Collection Agency just so they would mark it as paid and show on my credit report. However it is still showing as an uncollected debt on my credit report. I will dispute these charges myself personally with XXXX, but frankly the small amount owed isn't even worth my time.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
The scammer posed as a friend of mine though XXXX. Convinced me to do an investment to earn a big money return. I sent {$600.00} and I was told that with my investment I would receive a return of {$20000.00}. Before having my money released to me I needed to send {$1500.00} to pay the IRS a fee to get my money. After sending the {$1500.00} I was asked for my password as a security to release my money. Shortly after, my account was taken over and the scammer has gone into a domino effect to reach others. Through my email notifications from Wells Fargo and XXXX I was able to find a name, emails and phone numbers linked to this scammer. Name ( s ) : XXXX XXXX and/or XXXX XXXX XXXX XXXX : XXXX and/or XXXX Phone Numbers : ( XXXX ) XXXX and/or ( XXXX ) XXXX. Location reported near XXXX TX. I have reached out to my bank and they gave me a provisional credit and reversed it. Now I am negative in my account and they are not willing to help me further.

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 2021-10-04
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have 4 accounts with Midland Funding that is on my collections. I have no knowledge of either of these accounts. These accounts are fraudulent and look like duplicates. 2 accounts were supposedly opened on XX/XX/XXXX and the other 2 was opened XX/XX/XXXX. Ive never dealt with midland funding or the creditor they are working for. This is illegal debt.. and this is hurting me from moving on in life. They also have a default judgement against me but Ive never received mail to attend court. I currently have a case opened with XXXX to get this handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had bank fraud committed on my checking account with Chase for over {$1800.00} in ATM withdrawals by a thief. I reported it to the banks fraud department and filed a police report. They gave me a temporary credit and in 6 days took it back. The only thing is MY money was still stolen and they took my social security money. It is still overdrawn and my son, who is on my account, receives his XXXX check on the XXXX of the month and they will take that as well. This is social security AND XXXX and I do believe that is illegal. I don't know what else to do to my knowledge. Once you go to the police, what's left??? I did send emails to XXXX XXXX XXXX, the XXXX of Chase and someone in the XXXX office did respond, but did nothing. I still haven't heard back from them. I am the victim in this XXXX XXXX state and now I'm being victimized by the bank that is supposed to protect their customers. HELP ... ..I am desperate and don't know what to do. I am going to see about suing them, JUST to get my rightful money back, nothing else. I need help ... ..is anyone out there? I am also filing suit with the Attorney General 's office in this state for all the good it will do. Someone out there has to be humane enough to help and point me in the right direction. I'm going to blast them all over social media as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-09
Company: Dyck-O'Neal, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
this company kept telling us about the debt. we never knew about that till recently. 
they said they will acting getting money from us wihtout further notice? 
we are XXXX couple..they said they refused to talk to us because we use XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX for XXXX comunity.. i am thankful for the techlonoly for us to use.. they kept saying '' im not allowing talk to you " i said excuse me.. 
i send them email with the information about relay service.. 
we felt discrimated by them they kept sending us letter and calling us never never left any message on my answering machine??? where is our respects? 
i need respect from them. we recieved letter recently they report on our credit history. they told me that they are not report? 
XXXX supposed to be but they kept telling us we owed them XXXX? 
date is XXXX XXXX they kept threatnin us so much.. where is our respect? i talked with the XXXX VRS manager they said that the company was wrong.. they are against FCC ADA about VRS relaay service ... 
please help us. 
im tired of them kept calling us..they won't tell us wihtout the authroization form for VRS relay service ? it is against the Law because we are XXXX.. we felt discrimated by them. 
im afraid they take money away from us without our permission because we are XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Pulled my report I noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : 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 2019-05-31
Company: Exeter Finance Corp.
State: IN
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 bought my car for {$15000.00} from XXXX with a loan from Exeter Finance,  XXXX of XXXX. I made payments on time until XXXX of XXXX, when my car was stolen. I was not aware that I was to be responsible for payments until my insurance paid out. I spoke with Exeter Finance multiple times over the course of 4 months and not one time was I advised to make a payment nor was I advised my account was nearing " charge-off '' status. I never received any sort of communication from Exeter until after my account had been " charged off '' which was after my insurance had made their pay out and i had an insurance deficiency balance of {$630.00}. I never had any intention of dodging payments made to them, I simply did not know how much money I owed them nor did they communicate the fact that I needed to make a payment when I talked to them. There was one point, I called to get information on the remaining balance after insurance would pay out. I was told there would be a $ XXXX balance, which GAP and refunded warranties still hadn't paid out ; however, I was not told that my account was being charged off nor was I told I needed to make a payment. On XX/XX/XXXX, 2 weeks after receiving the notice of deficiency balance, I made a payment of {$150.00}. This was when I discovered the account had been charged off, so I called to ask about it. The call center associate, XXXX, was rude and spoke to me like I was stupid, she acted like she didn't care about my situation and refused to transfer me to a manager. I hung up and called back, this time I was connected to a manager. As I explained the situation, I also explained that it is not good business practice to not communicate with your customers when they are going through such a confusing process such as a claims process. He didn't show any compassion or care whatsoever about what I was saying.

Company response to consumer: Closed with explanation