BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-12
Company: Village Capital & Investment LLC
State: TX
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:
" CREDIT INFO '' INQUIRE INFORMATION DATED XX/XX/2016 DOES NOT BELONG TO ME AT ALL

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2019 Santander allowed an erroneous and unauthorized charge of {$270.00} to my checking account through my debit card. I learned of this after this unauthorized charge caused a series of small items that I knew about to have non-sufficient funds resulting in a cascading effect of charges. This is the detail on the erroneous charge : Date : XX/XX/2019 Amount : - {$270.00} Type : Posted products_Acc_mail_description : XXXX XXXX XXXX /GA US CARD PURCHASE I immediately cancelled my debit card and have been playing phone tag with Santander for five days now trying to get them to fix this problem.

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 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 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 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XX/XX/22 XXXX XXXX XXXXXXXX pulled a hard copy of my credit report without my consent or knowledge. 
I reported to XXXX XXXX XXXXXXXX and transuion

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 2021-04-06
Company: INTERCONTINENTAL CAPITAL GROUP
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Began refinancing process with InterContinental Capital Group XX/XX/XXXX. This refinancing is for my house as well as a duplex I own. I have worked with ; XXXX XXXX ( Senior Loan Officer ) XXXX XXXX XXXX ( Closing Processor ) XXXX XXXX XXXX ( Production Coordinator ) XXXX XXXX XXXX ( Loan Officer Assistant ) XXXX XXXX XXXX ( Loan Processor ) XXXX XXXX It is now XX/XX/XXXX and they have still not been able to provide updates on my loans! I cant reach anyone by phone and repeated request via email for updates get no responses. When they do respond, it is asking for more info ( today the asked for Social Security deposit statement for bank - which they ask for every single month ). Can someone help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
Company: Experian Information Solutions 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:
XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SOC SEC:XXXX DOB : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX RE :  Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed unauthorized inquirIes had been made. 
I contacted the following : XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Reseller XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Reseller XXXX XXXX XXXX XXXXXXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX EXPERIAN BUSINESS CRED XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX XXXX XXXX XXXX, CA XXXX EXPERIAN BUSINESS CRED XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX   BUSIN XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX BUSIN XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bulk Purchase Finance XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Card Processors XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into [ inquiry sources name ] inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your assistance in this matter, XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SOC SECXXXX DOB : XX/XX/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 2021-04-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I received a copy of my credit report and to my surprise I seen a collection account on my report from Portfolio Recovery for {$460.00}. I have never had an account with this company. I have contacted them serval time to confirm that the account belongs to me. I have asked for documents that has my signature on them and there proof of verification. It's been three months and still I have not heard anything from them.I would like your help with getting this resolved. 

Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
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: Personal information incorrect

Complaint:
I, XXXX XXXX am submitting this complaint and no third party is involved. 
I XXXX XXXX, have shown proof of identification along with other documents to Equifax. I've spoken to several representatives about updating my correct address and name. They have yet to put the correct information. There are other addresses on my credit report that should be deleted because it is the wrong information and I do not agree. There has been no update to my name neither my address. I have not given direct consent for Equifax to have the wrong address and name on my credit report. Delete the invalid demographic information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
Company: RoundPoint Mortgage Servicing LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2019, XXXX issued a Notice of Intent to Foreclose for my property, despite the fact that I submitted an application for mortgage assistance on XX/XX/2019. My application, submitted to the identified email address within the XXXX website, remains unacknowledged. XXXX has circumvented their responsibility to me, the borrower, by ignoring my request for assistance, and has proceeded directly to a notice of Intent to Foreclose. This is illegal, isn't it? 

Email submission including Application for Mortgage Assistance attached. 
Notice of Intent to Foreclose attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had a chime bank account, I put in three disputes, spoke to someone over the phone and let them know that I noticed money was being used from my account, it was also overdraft. I let them know everything and they told me they were going to fix everything. Two days later I received an email that my account was closed. They didn't help me or let me know the reason why the closed my account. My credit score also dropped XXXX in one day! Someone has compromised my phone and accounts I need help please!?!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
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: Information belongs to someone else

Complaint:
This is my SECOND DISPUTE regarding the same accounts that are fraudulent and does not belong to me and still showing on my credit reports the accounts need to be deleted from my credit report immediately. Once again this is 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 XXXX FRCA XXXX, section XXXX, subsection ( XXXX ) XXXX  D ). The Following Accounts listed below : -ACCEPTANCE NOW # XXXX -XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX -DRS # XXXX -I C 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 2019-02-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX an autoloan with XXXX XXXX bank was obtained fraudulently on my name for the amount of {$24000.00} for a used car XXXX XXXX XXXX XXXX XXXX. VIN :  XXXX. I came to realize about this loan because of an invoice of XXXX Toll service with a picture of this vehicle I never had - this invoice was I received at my address. The auto-loanthough, was obtained with a different address, a place I never lived in before. 
On XX/XX/XXXX, I went to XXXX and was able to obtain a Certified Title History of this vehicle. I realized then, this car was purchased on my name. I then called XXXX  credit Bureau to obtain a copy of my credit report. I confirmed this unpaid loan hurt my good credit history and created a fraud alert and requested a service for credit monitoring.I also filed a police report same day. I also disputed this loan and they confirmed it was deleted from my report. I also contacted XXXX XXXXXXXXBank and disputed this loan as well, I was in contact with an Investigator-XXXX XXXX Bank XXXX XXXX, XXXX XXXX, phone XXXX. He sent me a Forgery Affidavit on XX/XX/XXXX. I sent all documents requested including my Driver 's license and police report. I thought the problem was solved but then was told I had to file a dispute with all three credit bureaus and called Experian and XXXX  ; both came back with negative results about my dispute on the auto loan. The loan remains in my credit as of now XX/XX/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 2019-02-23
Company: QUALITY ACCEPTANCE LLC
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/2017 my vehicle was reprocessed after only 30 days of delinquency. However my chief complaint is that I was never notified when the vehicle was auctioned or sold. According to the reprocession laws in the state of Nevada, as the consumer I was supposed to be notified of the date, location of the sale of the vehicle. Also I never received notice of how much the deficiency amount owed if any. This finance company is also reporting inaccuracies on all 3 of my credit reports. Quality Acceptance is reporting every month that I am delinquent which has added extra charges from original balance at the time of charge/off placed on my credit reports. None of the information is accurate that's being reported by Quality Acceptance to all 3 credit agencies. XXXX XXXX, XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have submitted 6 rounds of disputes for inaccuracies on XXXX, XXXX  and transunion. I have not received any results. This started on XX/XX/2020. I have demanded they remove all inaccurate information as this is hurting me financially and emotionally. I have waited 45 days between disputes to allow time for mail delivery and I am not receiving results from these disputes. I have demanded my rights for fair credit reporting.

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 2019-02-23
Company: Midwest Recovery Systems
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was on my credit report online ( XXXX ) and my credit report has a new company showing up a ( in collections ) company trying to collect the {$800.00} charge is listed as Midwest recovery systems however the actual company is XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX phone XXXX I have never once done any business with this company, never have I signed up or received any loans from this company, I have never received a call, mail, or any type of literature showing this as valid this is a fraudulent charge and I would like to take legal action as I have called both companies one has no record of me, the other is clearly a scam as all they keep trying to is get you to give them personal details via telephone and use scare tactics like telling me ill go to jail unless I give them money, social security number, and other personal details companies like this should be reprimanded and not allowed to be able to do this to good people who actually pay bills, taxes, etc on time without ever being late

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
After viewing a copy of my credit report, I noticed a collection account placed on my credit report from AFNI in XX/XX/2018 in the amount of {$960.00}. First and foremost, I have confirmed that the debt collector, AFNI is not licensed in the state of Texas to collect on this debt. Secondly, AFNI violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumers right to dispute the debt within 30 days ( see 15 U.S.C. 1692g ( a ) ). Third, what obligation do I have at all to AFNI? I have never heard of them, have no written contract with them and have never received any benefits from them, yet AFNI has submitted negative information to all three credit reporting agencies ( XXXX, XXXX and XXXX ) against my name and social security number and is demanding payment from me in the amount of {$960.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: EQUIFAX, INC.
State: CA
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:
In accordance with the Fair Credit Reporting act XXXX Account # 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 602 A Section 2 : It also states a consumer reporting can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
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: Old information reappears or never goes away

Complaint:
trans union has posted on my credit that I have 3 late payments & delinquent on my credit score they dont have the right to post these negative very high impact with out signed documentation with my signature that i am in agreement with them .... its very wrong & very damaging. I'm trying to get loan for a home by end of year but with these wrong negative information brought my score down by law they have to take it off if they dont have an agreement with me & signed documentation please help

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 2018-04-12
Company: Experian Information Solutions Inc.
State: VA
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:
Experian is reporting incorrectly a payment amount on my XXXX XXXX XXXX XXXX  XXXX. I have provided a snap shot of what is currently being reported. The report is reflecting a payment amount of {$25.00} which is incorrect and needs to be {$0.00} as the other two bureaus are accurately reporting.

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 2016-04-22
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Per previous request here is a notarized FTC affidavit, police report and I am disputing XXXX charge off entries on my consumer report with Chex Systems. I am disputing these entries with chex systems. The reported information that I am disputing is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am also disputing the inquiries that were associated with these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: EQUIFAX, INC.
State: MA
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 writing to delete the following information in my file. The items I need to delete are listed in in the report. I am a victim of identity theft and I did not make the charge. I asked 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 Identity theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation