BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-15
Company: EQUIFAX, 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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have contacted the company directedly and went through you all and they have resolved the issue 100 %. However on my report TransUnion refuses to remove the inaccurate debt on there and it is hurting my score and causing me stress. How can they still report it when the company explained that it was a mistake and to remove it from my file. I contacted transunion too but they still are reporting it falsely

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 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
In accordance with the Fair Credit Reporting act XXXX Account XXXX  has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions 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 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 2019-12-10
Company: ONEMAIN FINANCE CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
My account with One Main Financial became past due. XX/XX/XXXX I asked if I could pay a smaller amount to avoid 30 days late. They would not accept. XX/XX/XXXX Once 30 days late I attempted to pay the past of $XXXX but they said it was not enough and payment not accepted  and it was sent to legal dept. Legal dept demanded min $XXXX payment to pay balance of XXXX. I told them I needed a lower payment. XX/XX/XXXX I called legal dept to request a lower payment. The rep said the account had to be paid within 6mths or law suit. XX/XX/XXXX I requested $XXXX arrangement to avoid collections. I also contacted One Main for a payment arrangement. One Main kept referring me to legal and did not tell me the account was being charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-15
Company: PROVIDENT FUNDING ASSOCIATES
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have excellent credit I am a XXXX employee 32 years salary {$120000.00} Spouse {$45000.00} home value according to a Realtor 's CMA {$350000.00} requested Cash out refi {$140000.00} no other debts I am only asking for less than 50 % of the home 's value Provident Funding refused to accept a valid appraisal from XXXX ( appraisal co ) They are discriminating against me because it is a " rural '' market. The appraisal is valid! Provident is redlining me because I live in rural area ... .less than 1 mile from the city limits of XXXX XXXX Ky

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have contacted XXXX XXXX XXXX directly, as well as, Experian, XXXX, and XXXX since XX/XX/2019 disputing the error that is being reported in the amount of {$XXXX}. This account balance is {$XXXX} and the dates of the contract are incorrect. This is heavily affecting my quality of life. Neither the creditor or the credit bureaus have provided me with a contract, history, or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-08
Company: Jon Barry and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX. I checked my credit report and saw there was a new collection on my XXXX report.I called the company 3 times and 2 times was hung up on. The 3rd time I ask the collector what address the validation notice was sent he stated did not have an address . I was informed that there where other debts of mine in there office and it was not reported to the credit bureau .He hung up on me . Texas has not reported any of my medical debt before I was told they do not. Violation of the FCRA and FDCPA for abusive behavior ..Continue to hang up and not try to resolve the issues..If they report to the credit bureau they must report all DEBT as of today the only report is for XXXX XXXX from XX/XX/XXXX the others have not been reported they can not pick and choose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24
Company: Freedom Mortgage Company
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I've provided copy of receipt of payment that wasn't posted to my account. XXXX month pass due. Company have a agency putting notes on my door every month. I've ask them to stop, its public shame and harassing me and my family. my neighbors asking question about the notes on my door.

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 2023-08-24
Company: EQUIFAX, INC.
State: MS
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:
My personal information was stolen from my car and my id has been used to get credit and loans. I filed the correct paperwork per the FCRA and sent them to the credit agencies. The disputes are not being done correctly and the documents I sent in are not being attached to the disputes. And I am not getting the copies of the verification process per the FCRA. 

These are the accounts : XXXX credit XXXX XXXX XXXX of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
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: Their investigation did not fix an error on your report

Complaint:
I have contacted XXXX XXXX XXXX directly, as well as, XXXX, XXXX, and Transunion since XX/XX/2019 disputing the error that is being reported in the amount of {$XXXX}. This account balance is {$XXXX} and the dates of the contract are incorrect. This is heavily affecting my quality of life. Neither the creditor or the credit bureaus have provided me with a contract, history, or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.

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 2023-10-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

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 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent a dispute to experian along with supporting documents to have accounts blocked as fraud. XXXX blocked the accounts and sent block notification referrals to XXXX and trans union and neither company blocked the wccounts as required under federal law. I spoke with equifaxs office of consumer affairs and agent agreed that the accounts should of been deleted but ge dant help 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 2023-10-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
REMOVAL OF THE FRAUD ALERTS and SECURITY FREEZE on my personal credit file and to update my identification.

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 2023-03-08
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: National Enterprise Systems, Inc.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
National Enterprise Systems ( NES ) in XXXX, OH has repeatedly ignored requests from the employee and our corporate entity to refrain from calling employees while they are at work. 

If NES is claiming to be a debt collector, this practice is a violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If NES is claiming to be a debt buyer/holder, this practice is in violation of the FDCPA pursuant to the United States XXXXourt of Appeals for the Third Circuit ruling in XX/XX/2018 in Tepper v. Amos Financial, LLC, No. 17-2851. Tepper v Amon Financial, LLC ruled that an entity whose principal purpose is the collection of any debtregardless of whether the entity owns the debt it collectsis a debt collector for purposes of the FDCPA.

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 2023-06-05
Company: EQUIFAX, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-17
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:
On XX/XX/XXXX, I submitted a request to block the accounts that are on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX .... Balance : {$6700.00} XXXX XXXX XXXX XXXX .... Balance : - XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX .... Balance : {$5900.00} XXXX XXXX XXXX XXXXXXXX Balance : {$9100.00} XXXX XXXXXXXX & XXXX XXXX Balance : {$350.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: SUNTRUST BANKS, INC.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Suntrust closed my account immediatly after i deposited a check n XX/XX/2019. I have been repeatedly lied to by them, first they told me it was closed then they told me it wasn't, then they told me it was under investigation, then they told me i would receive my money in 15 business days, then they told me it was frozen. The check i deposited was from my sister who gave it to me to pay my bills, i havnt been able to pay my bills, my phone is disconnected, i cant buy food, and it is XX/XX/XXXX so Suntrust bank has kept my money for over 1 month and they will not give me details. I havnt been sued so they have no reason to be doing this 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 2019-12-10
Company: Experian Information Solutions 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 have contacted XXXX directly, as well as, Experian, XXXX, and XXXX since XX/XX/2019 disputing the error that is being reported in the amount of {$XXXX}. This is heavily affecting my quality of life. Neither the creditor or the credit bureaus have provided me with a contract or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.

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 2023-03-09
Company: STATE EMPLOYEES CREDIT UNION
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: Reporting company used your report improperly

Complaint:
I recently received a copy of my ( XXXX, XXXX, or XXXX ) credit report, and an erroneous late payment posted on my credit report : STATE EMPLOYEES CREDIT U Account Number : XXXX The company is in clear violation of the law, Under 15 USC 168 1b - permissible purpose of consumer reports, THE LAW CLEARLY STATES ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I DID NOT EXTEND WRITTEN INSTRUCTIONS TO FURNISH THIS ACCOUNT ON MY CREDIT REPORT.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 3 ) EXCLUSIONS. -- Except as provided in paragraph ( 3 ), the term consumer report does not include -- ( A ) Subject to section 1681s-3 of this title, any -- ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Moreover, the funds for my mortgage payment were available in my account on the day the mortgage was due, however the bank did not process the mortgage payment the same day the money was available causing a late payment. The automatic payment was processed 1 day after the funds were available. This caused a late payment to be reported on my credit report, and negatively impacted my credit. I have attempted to resolve this with the mortgage company and the credit reporting agencies, with no reasonable consideration to a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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