BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB complaint to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on this account because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed account. 
DEPT OF EDXXXX XXXX Balance {$12000.00} Opened 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 2023-01-02
Company: EQUIFAX, INC.
State: OK
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$27000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
there are numerous problems with my credit report. there are unauthorized inquires and 2 accounts that are not mine and one is being reported as a charge off and another one that is being reported wrong amount see XXXX  XXXX  enclosed for explanation

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 2018-02-28
Company: EQUIFAX, 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: Kriya Capital, LLC
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CREDENCE RESOURCE MANAGE at XXXX XXXX XXXX XXXX, XXXX, TX XXXX has been sending me collection notices in the amount of {$1000.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-25
Company: Total Card, Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I processed a payment on-line through my card-issuers website for {$75.00} on XX/XX/2021. This represented 1/4 of my balance due. However, upon reconciling my checking account, I found that the card-issuer had processed my payment for the total balance due of {$290.00}. This was not my intent and their systems " default '' process is deceptive and fraudulent. The payment was made through TCI XXXX. Total Credit card. 
I promptly contacted my card-issuer and reported the error in processing my payment. I spoke to the C/S representative who neither helpful nor indignant and realizing that she could be of no help in the matter, I asked to speak to a " Supervisor. '' While discussing the questionable activity and the issues it had created, he said " I know exactly what happened. '' Then he proceeded to explain that with payments made on their website if Total  XXXX TCI 's system determined that funds to pay the entire balance were available, the system would default to the larger amount. This represents a classic case of deceptive billing, deceptive confiscation of funds through fraud. Not only do I intend to complain I want other consumers to know that TOTAL credit cards XXXX TCI Enterprises employs deceptive business practices at the expense and advantage of its consumers. If not to add insult to injury, the Supervisor to whom I spoke with the expectation of rectifying the issue, threatened that should I dispute the overage of the intended payment to my own bank, Total would charge me an additional NSF fee and others undefined and, by consequence, close my account and report the closure to all three credit reporting agencies as being closed by the card issuer. Since I was obviously of such minimal value as a customer to Total Credit Card company that I warranted such threatening remarks, I thought that you might be better suited to deal with this DISPUTE! I have disputed the issue with my bank, but they were less than reassuring. Please help me help you help other consumers!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: EQUIFAX, INC.
State: LA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected 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 2020-02-05
Company: National Credit Systems,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 am a victim of identity theft and have been since XXXX. I view my credit report often to see if my SSN, my address and my name has been stolen. Indeed it has been again. 
The person who stole my identity is XXXX XXXX. He left a balance of XXXX on XXXX at an apartment complex in XXXX XXXX Florida. I have never lived in XXXX XXXX Florida or have I ever visited this city. 
Another way I found out about this individual is because the spelling of my first name. He uses an incorrect spelling. He also uses my maiden name. 
National Credit Systems is now on my credit report. I have notified the FBI, IRS, SSN, my local police office. I have made reports to all offices. This person also had bank accounts with XXXX  XXXX XXXX, XXXX XXXX and also has a import/export business out of XXXX XXXX Florida. Every time I have been close to finding this person by informing these institutions of my stolen identity, this person relocates and leaves my credit in shambles. 
I attempted four times to call National Credit Systems. I have left messages and no one calls me back. I called again today and the representative who handles these type of cases left a message but right before the agency closed for the day. I left a voicemail again. 
I feel violated and I feel no one is willing to help my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2023-03-15
Company: EQUIFAX, INC.
State: FL
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:
I have attached an FTC report with inquires I did not authorize, please delete

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be deleted ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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 XXXXXXXX

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 2023-01-03
Company: Experian Information Solutions Inc.
State: PA
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 have filed disputes with the credit bureaus in regards to several accounts listed on my credit report. On XX/XX/2022 I sent in off a investigation letter to check the accuracy of the accounts on my report and to make sure my accounts were properly investigated and XXXX XXXX accurate. The credit bureas reported that the following accounts were accurate XXXX XXXX XXXXXXXX {$1700.00} {$340.00} {$4900.00} {$3000.00} {$5100.00} {$5200.00} {$2500.00} {$2600.00} {$1200.00} XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX {$550.00} XXXX XXXXXXXX XXXX XXXXXXXX {$1200.00} XXXX XXXX XXXX XXXX The credit bureau violated ; 15 usc 6802 section A, B, and C ; 15 usc 1681 a section i ; 15 usc 1681 section b. The law clearly states that a consumer reporting agency can not furnish a account without my written instructions. I havent given any written permission to furnish these accounts on my credit report. I am asking for a removal of all accounts listed.

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 2020-10-20
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX  {$4600.00} Original creditor : XXXX XXXX XXXX XXXX Overview You have 100 % left to pay on this collection. 

Balance {$4600.00} Highest Balance {$4600.00} Opened XX/XX/2020 ( 8 mos ) Account status Open Type -- Responsibility Joint Remarks Consumer disputes after resolution Original Creditor Name 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 2023-01-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX XXXX XXXXXXXX XXXX XXXX debt collector for Capital One. During the pandemic my account went to collections. My wife and I had a joint account. XXXX XXXX  XXXX sent garnishment letters from XXXX to XXXX. They began my wages weekly in XX/XX/XXXX. My wife contacted them to resolve her issue or put blame me. My wife and I are separated and not speaking with each other. XXXX XXXX XXXX XXXX sent legal documents to my payroll department at the XXXX XXXX XXXX in XX/XX/XXXX. My name is the only name mentioned on a joint account with my wife XXXX XXXX. ( Credit card ending XXXX ) The garnishment is weekly between {$99.00} to {$110.00}. My wages at the is XXXX hourly. What Justice would approve garnishment of my wages? I think it maybe a scam. The garnishment totals $ XXXX monthly. There's many scammer 's out there. My apartment complex make fraudulent charges too. 

*Please cancel my current complaint XXXX. It was entered incorrectly. My apologies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: AMERICAN HONDA FINANCE CORP
State: WA
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 always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. i tried disputing it because i had paid it and it was their websites problem and not mine but they refused to remove it. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: WI
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:
XXXX XXXX  via Equifax Mortgage was authorized to only do a Hard pull on my credit report once on the date of XX/XX/2023 XXXX XXXX  via Equifax Mortgage did a second hard pull WITHOUT my permission on XX/XX/2023. This hard pull was unauthorized

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: Nelnet, Inc.
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2020 I was sent a letter stating my loans were XXXX. Also my loans were removed from my credit report last year around XXXX and was false reinserted on my report after doing so. By search of public record this company has no license or authority to do business or try to collect funds in the Territory/State of GEORGIA which I am a resident of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I had applied for a vehicle through XXXX back in XXXX. When they delivered the vehicle I didn't receive a copy of the title or NO paperwork on the vehicle. At the time I was working at the department of motor vehicle and I did a title registration search and the XXXX truck was never registered in my name. On my credit report, it's reporting a charge off in the amount of {$18000.00} from Bridgecrest, by XXXX. I DID NOT purchase the car from XXXX. I have tried to dispute and contact Bridgecrest. The response was to fill out a fraud report. I would like this collection disputed because the vehicle was never registered in my name. I do not have possession of the vehicle. A representative called from BridgeCrest, and said they were picking the car up at the XXXX place in XXXX, MS where the transmission went out. I do not have possession of it. I was told someone picked it up and it wasn't me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24
Company: Meridian Buyer’s Group
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I had an automobile financed through Meridian Buyers Group, the vehicle was totaled XXXX XXXX, 2016. I  had full coverage insurance at the time with XXXX. It took XXXX months to complete the insurance claim. Payments were still made to Meridian Buyers Group, upon Insurance company contacted to advice payment on vehicle, Meridian did not stop charging me late fee, dings agains my credit, then sent paperwork to XXXX stating the vehicle had been repossessed, but in fact that was not true. XXXX issued payment for vehicle and the Meridian Buyers Group sued me and garnished my wages for {$2800.00}. Its still being reported on my credit as a charge off and I had never been late on the payments. Ive made several attempts to clear this issue up with the office, by phone, by email to the office, then reaching out by mail to the CFO as well as emails to the CEO, CFO with no response. I have also made 2 attempts to speak to the legal team as Meridian refers to them as, with no response. I would greatly appreciate your assistance in this matter. I feel as though I have taken all necessary steps to resolve I would like this investigation to start immediately, as well as my credit restored as it should me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Hello, in XX/XX/XXXX, i purchased a used car, while sitting at the desk of the dealer was discussing details with a finance company, i notice he was kind of secretive, but could not hear what he was saying, seemed he was hiding something from me, anyway, after he got off the phone he told me he was able to get a finance company who agreed on financing me. The dealer knew Santander Consumer USA, INC was under investigation since XXXX, but i did not know, otherwise i would not have accepted the loan. In XX/XX/XXXX, i was on my computer getting ready to make a payment to Santander, the first page on their site, was shocking to me, a report from the AG of NY, had a report about fraudulent auto loans from Santander against hundreds of consumers from twelve different states, had a lawsuit of {$550.00}, XXXX, in fraud from Santander, so far they have paid out {$65.00}, millions to consumers, signed over titles of vehicles, and forgiving their loans, but Santander is still under investigation to pay out {$490.00}, XXXX, from the {$550.00}, XXXX. When i got the loan in XX/XX/XXXX, i was part of that fraud, but Santander is denying me any resolution. I had three conversations with them. What Santander has been doing is : targeting people with a fixed income, somewhat imperfect credit scores, with the idea that they would not be able to afford payments, default on the loan, and then repossess the vehicles. I would appreciate any available assistant, i am a victim of this fraud by Santander, all i was trying to do was trade my older model car, for a more reliable one. I look forward to your response. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Experian Information Solutions 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX OF XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022

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