BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-12
Company: Exeter Finance Corp.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been a costumer of Exeter Finance since XXXX. The auto loan company submitted 6 late payments during the year of XXXX that was inaccurate due to my contacting them and making them aware of the late payments due to unemployment because of the COVID pandemic. I was advised on a recorded line that they would accept payments late without reporting it as such to the credit bureaus because of the extenuating circumstances at the time. After bringing this to the companies attention they still have not correct the information submitted to the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have sent letters to all 3 credit bureaus ( XXXX, XXXX, Transunion ) for the past 6 months about inaccuracies on my credit report. All 3 credit bureaus report that they have investigated or reinvestigated the accounts but they still report different things all 3 credit reports. I am now wondering if the credit bureaus are really investigating or are they just sending my letters through a computer and giving me the same response back. I have found numerous inaccuracies and have reported them over & over again but nothing has yet to be done. I know by law that all 3 credit bureaus are to report accurate information on my credit reports but yet they have all failed to do this and it is affecting my credit score. I don't want to keep getting the same response or sometimes or no response with the same inaccuracies. Are you really doing an investigation? I have asked for proof of the debt each of you stated you " verified '' but have yet to receive ANY PROOF. I have seen numerous complaints of lack of investigation & violations that the credit bureaus are not following.

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 2021-07-06
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
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 recently during the pandemic fell behind on my payments due to financial hardship and the fact I just had a baby. Prior to my initial missed payments I had a good payment history and even after the missed payments I keep up with payments. The payment that was missed on XXXX of XXXX were only due to a real natural hardship and the pandemic that took place and I beg that you forgive them being that I have good track record and promise it will not happen again. The missed payments are also affecting my ability to obtain more credit and is hurting my financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
In approximately XXXX I received notification that possible fraudulent activity was reported on my XXXX XXXX Credit Card. ALL transactions and statements were only done online with XXXX. I have had the account for approximately 16 years with no issues. At that time they shut down my online access " for protection ''. I was unable to reach anyone through their phone lines. I tried numerous times. I received no information on the fraudulent activity. I then was denied a loan from my credit union who I have never had an issue with because they showed me that on the TransUnion report it showed TWO charge offs by XXXX and reported to a collection agency both for {$1800.00}. I immediately called XXXX again almost daily for weeks the phone again would reach an automatic voice that said they detected my number and redirected me to a message that said the voicemail I reached could not receive any messages then go beep-beep-beep and hang up. Over the last month I have tried NUMEROUS times with the same result and never being able to reach anyone. I also tried the collection agency. I spoke with numerous agents and a supervisor. The supervisor informed me ( after looking into the account ) that they never reported the collection to TransUnion and I would need to speak to XXXX directly. He told me they had just received the paperwork and that it should never appear twice from anyone. This should NEVER be reported as a charge off. They closed the account because they shut it down because they told me there was fraudulent charges by someone ( not me- but it had been hacked ) and I have been unable to reach anyone to talk to resume payments as I ALWAYS make every month for 16 years. The supervisor at the collection agency did not even want to take a payment as he said I needed to talk with XXXX directly. I then tried to dispute with Transunion today to find out my TransUnion account was hacked, so I will also need to file something with them. This account has become a nightmare. I need this rectified as someone else charged on the account and everything was shut down on me to protect me, but then I was unable to access anything and it was ( I am assuming ) accidentally turned in by XXXX as a charge off and TWICE! Please remove the charge off ( both ) so that my credit is back to a good standing with my credit union. Thank you.

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 2022-08-16
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I was looking for a job at XXXX, a company called XXXX XXXX hired me for remote job. They sent me check to buy the equipment. Before that they yold me to buy crypto currency and deposit what I had through XXXX. The check bounced back and now my account is negative balance by thousands. The bank can not help me I already explained them the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Experian Information Solutions Inc.
State: GA
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:
My personal information was stolen in 2022, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : 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 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all XXXX credit bureaus. I would like the account to report Perfect Payment History never late. 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 hand 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 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I requested debt validation from XXXX about an account that is reporting inaccurate information on my credit report. XXXX XXXX  ACCT ; XXXX 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. 


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 2021-05-01
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
After fifty ( 50 ) years of having an account with US Bank, someone changed my mailing address without discussing the matter with me. Furthermore, there's no notes/documentation as to when this happened, who did it, as well as no rationale as to why the change was made in the first place. Reps/supervisors that I spoke to tried to make me feel and think that this is the norm. I can't think of any other industry/business where this would be legal. 
Sadly, they ignored my stress and frustration. And, I specificially requested the statement that covers XX/XX/2021 - XX/XX/2021 which has the XXXX, WA address. No such luck, even though I reminded them that I never authorized an address change nor did anyone indicate to me that an address change was necessary XXXX no rationale ). 
The address change was brought to my attention on XXXX by US Bank rep named XXXX. He stated that he would reinstate my XXXX, WA asap. That never happened, no accountability. Also, a rep at the XXXX # informed me that she would send me a copy of the statement dated XXXX, with the XXXX address and if I needed a copy sooner, I could just go into the nearest bank and request a copy with the info in tact. I went to the nearest bank XXXX XXXX & XXXX XXXX but the changes were not noted. She made no notations/documentations regarding our conversation. Later, XXXX stated that this lack of documentation was not unusual. 
I spent an hour and a half on my cell phone trying to resolve the problem, no luck. To add insult to injury, at no time did the manager of the bank asked if I needed any assistance. This reflects the best services that I can get after being a customer for fifty years.

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 2022-08-16
Company: Experian Information Solutions Inc.
State: VA
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 am a natural person, I am a living human being, I have rights. 

Under 15 USC 1681 section 602 A. States I have the right to privacy. Law also states a consumer reporting agency can not furnish a account without my written instruction. I did not give Experian written permission to furnish these accounts. 

Experian is govern by 15 U.S.C 1681. Section 604 A Section 2 : And they has violated my rights numerous of times. I demand the account listed below be removed because In accordance with the fair Credit reporting Act XXXX  account ; XXXX XXXX  Account listed as XXXX, XXXX with account number listed as XXXX and XXXX XXXX XXXX XXXXXXXX has no associated account number listed, has violated my rights.

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 2022-08-13
Company: Experian Information Solutions Inc.
State: PA
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:
Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!

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 2019-11-27
Company: Experian Information Solutions Inc.
State: LA
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:
HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

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 2017-06-06
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for th e Amazon Visa card, via the Amazon website,  bef ore  XX/XX/XXXX . Ch ase was the bank underwriting th e Amazon Visa ca rd. A few weeks later I received a letter from Chase declining the card and the reasons wh y. In   XX/XX/XXXX , I re ceived   3 additional denial letters from Chase cr edit declining the issuance  of the Amazon Visa card. I returned one of the letters to Chase credit,  asking them to stop sending me these letters since I only applied for t he Amazon Visa card only  once and already had received a denial letter. Later on I saw m y  XXXX  repo rt and there had been  XXXX  separate inquiries in  XXXX  by Chase! On  XX/XX/XXXX  I received another letter from  Chase ( se e attached ) declining my '' application '' fo r Amazon Visa ca rd. I only applied once back in latter part of  XX/XX/XXXX ; I keep receiving these letters f rom Chase, and Chase keeps p ulling my report without my authorization! This has to stop. I need to know who authorized these inquiries, by Chase, in my  XXXX  Credit report. There is fraudulent activity going, and it needs to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-27
Company: EQUIFAX, INC.
State: LA
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:
HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: EQUIFAX, INC.
State: NY
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:
On XXXX XXXX, 2022 XXXX XXXX Equifax issued a national announcement stating that Equifax issued wrong credit scores for millions of consumers. Due to this I am not disputing but demanding that Equifax remove any and all erroneous accounts on my consumer report for the failure of consent and privacy per 15 U.S. Code Subchapter II - FRAUDULENT ACCESS TO FINANCIAL INFORMATION. Additionally, Equifax failed to exercise their grave responsibilities, they were unfair, impartial, and did not respect my right to privacy per 15 U.S. Code $ 1681a - Definitions ; rules of construction & 15 U.S. Code $ 1681b - Permissible purposes of consumer reports Lastly, never instructed them to furnish this report or to create this report and never consented to this report in the first place per 15 U.S. Code $ 1681b ( 2 ) - Permissible purposes of consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Numerous attempts to contact Equifax by phone and internet are met with " system down '' and " try this '' type of response .... none of which work. 
I have two addresses shown by Equifax, which were removed by both XXXX and XXXX   because they are fraudulent and were attempts to steal credit card information. 

I was recently refused opening an account at a bank because I denied ever living at either one of  those addresses. I had requested Equifax to remove them about two years ago when the attempt to steal my credit card was made but did not realize until I applied at a bank recently that they still exist. 

One method I have been given by Equifax to resolve this is for me to send by US Mail several sensitive documents that I don't want in the wrong hands. I have even accepted the invitation by Equifax to use their " TrustedID '', which should allow me to securely communicate with them. However, this has not worked and they simply keep saying to submit a dispute but has made it difficult, if not impossible, to do so. Seems like they want to push off people until they get frustrated at the process and give up. 

I will not give up and will contact my State Attorney General regarding their regulation of Credit Card Reporting Agencies. I have always had a credit rating about XXXX yet feel like I am a deadbeat when dealing with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: BB&T CORPORATION
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am currently trying to refinance my mortgage at a lower rate. My current rate is 4.25 %. I was quoted a rate by  BB & T  of 3.5 % on   XXXX     based on the property value of {$120000.00} which was from  the county p roperty tax a ssessor and my excellent credit score. After  providing all the consen ts and paperwork to proceed, an appraisal fee was requested. I paid {$620.00} to BB & T for the appraisal. Upon receipt of the appraisal report, BB & T   informed me that they could no longer offer me a rate of 3.5 %. They could only offer a 3.625 % rate, since the property value was assessed at {$98000.00}. I have an excellent credit score o f  XXXX  and feel that the appraisal was deliberately undervalued so that the rate would be inflated. The rate change is fraudulent and misleading. The paid appraisal value and tax assessment are too far apart. This should be investigated for fraudulent activity and prosecuted to the fullest extent of the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: OneMain Finance Corporation
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
REF XXXX XXXXXXXX I am a victim of identity theft. An identity thief used my personal information without my permission to open an account. This debt is not mine. I have enclosed a copy of my FTC Identity Theft Report and Police Report. 

I have attached a copy of a Warrant in Debt from XXXX XXXX, Virginia, XXXX XXXX XXXX XXXX XXXX case XXXX XXXX, that shows XXXX XXXX XXXX XXXX XXXX who you sold this account to ) & OneMain Financial XXXX LLC suing XXXX XXXX for a debt not mine. 

This information is located onlineXXXX XXXX XXXXXXXX Take Note : This case was dismissed with prejudice, attesting this debt is not mine ; therefore, I am not legally responsible for this debt. 

Your company has 10 days from receipt of this notice to remove this tradeline from all credit bureau reporting agencies. Failure to do so, reaffirms your failure to follow the court order and FCRA, FDCP, and UDAPP regulations. 


I will be seeking legal alternatives if this tradeline is not removed by XX/XX/2023 from all credit reporting bureaus. 


In accordance with the Fair Debt Collection Practices Act, you must remove this tradeline from all reporting agencies. 

I have enclosed a copy of the Consumer Financial Protection Bureaus Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). 

Please send me a letter explaining what you have done to : Stop reporting information about the debt to all credit reporting companies Provide me with the records I request

Company response to consumer: Closed with explanation