BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-21
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I purchase a XXXX XXXX from XXXX XXXX in XXXX mass I had a trade in I was told I was approved and the loan was for 48 months I signed all the paperwork took delivery and the next day I was asked to resign I had to resign 3-4 times all electronically and never was shown or received paper work the only time I was showed the paper work was the first time come to find out they changed the term to 84 I contacted the dealer and the sales manger was terminated. I have also contacted XXXX  XXXX XXXX and told them I had electronically signed the key pad at the dealer and it was a bad loan and I never received a contracts or documents. I was told there was nothing they could do from there I told them to come get there car due to the pad note they had me sign my credit report is now showing a charge off I am going to try this route first before filing through the courts I would like to see this off my credit seeing I did n't have it more than 45 days it also took XXXX XXXX XXXX almost 9 months to locate the car in which I told them I dropped it off right after I seening the fraudulent loan

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 2021-12-06
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 status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX {$0.00} XXXX {$0.00} XXXX XXXX XXXX {$0.00} CAP XXXX XXXX {$0.00} XXXX {$0.00} XXXX {$22000.00} XXXX {$22000.00} XXXX XXXX {$420.00} XXXX Bankruptcy XXXX Amount : 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 2018-01-21
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: Account status incorrect

Complaint:
I purchase a XXXX XXXX from XXXX XXXX in XXXX XXXX I had a trade in I was told I was approved and the loan was for 48 months I signed all the paperwork took delivery and the next day I was asked to resign I had to resign 3-4 times all electronically and never was shown or received paper work the only time I was showed the paper work was the first time come to find out they changed the term to 84 I contacted the dealer and the sales manger was terminated. I have also contacted XXXX  XXXX XXXX and told them I had electronically signed the key pad at the dealer and it was a bad loan and I never received a contracts or documents. I was told there was nothing they could do from there I told them to come get there car due to the pad note they had me sign my credit report is now showing a charge off I am going to try this route first before filing through the courts I would like to see this off my credit seeing I did n't have it more than 45 days it also took XXXX XXXX XXXX almost 9 months to locate the car in which I told them I dropped it off right after I seening the fraudulent loan

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: ONLINE Information Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my report for accuracy and saw an account for ONLINE INFORMATION SERVICE from the Original creditor : XXXX XXXX XXXX XXXX in the amount of {$180.00}. 

I was in an XXXX XXXX for the last XXXX years. My husband used my name and caused all of the bills to move into collection. The relationship caused me to XXXX XXXX XXXX XXXX XXXX XXXX XXXX due to the ongoing XXXX At the time of this collection, I as in the hospital XXXX XXXX a XXXX XXXX, XXXX XXXX XXXX and a XXXX 

I finally came forward about the XXXX  this year and the judge put him in jail, and expedited the divorce. 

I am now on my own and in the process of trying to get custody of my kids. The judge states I am good standing to get my kids as long as I XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 

I just started a new job, and now i am trying to get approved for my home. 

I am requesting deletion of this debt when paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-06
Company: EQUIFAX, 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 status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified account listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello- I have had an auto loan with Santander Consumer USA for years now. I have finally paid off the account in full ; with {$180.00} late fee balance remaining. 

However, Santander has inaccurately reported the account negatively to the credit agencies when there is {$0.00} principal balance. I request they update the credit reporting to show paid as agreed and paid in full. I also request they waive the late fee balance due to the inaccurate credit reporting. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-17
Company: Experian Information Solutions Inc.
State: MD
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 am unable to file a complaint directly with Experian. They are trying to charge me to dispute my report or make it more difficult to dispute the report by disallowing me to file my claim on line. 
My credit score decreased more than 50 points in one day while my credit profile remained the same. Recently my score reached a fair credit score ( slightly above 600 ). It has taken more than 50. I have invested in monthly monitoring of my credit history and I have worked diligently to stay within an acceptable credit to income ratio ; and make timely payments. Despite my consistent efforts over the last five years, your agency has been slow to reflect any progress in my score and then shortly after I reach a fair rating you, for reasons unknown to me, have dropped my score lower than it was five years ago when I began monitoring my score. 

I find this recent excessive reduction in my credit score to be a a false representation of my credit profile. Said severe and unjustified reduction in my score is and will continue to cause me undue harm and unfair/disparate treatment. 

I request a reexamination of my credit worthiness to make the appropriate adjustments my credit ratings. Additionally, I request a detailed explanation for your findings. In the event this matter is not rectified imminently, I will seek resolution of this matter through the judicial system.

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 2021-12-06
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I checked my credit report and I noticed that I have a bankruptcy on my XXXX and Experian reports. The problem is that they aren't reporting on my XXXX report and the information isn't accurate across all XXXX credit bureaus. I've contacted the bureaus before about the inaccurate information and they did nothing to resolve the 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 2019-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2019, I purchased a concert ticket for {$60.00} from a XXXX user. He sent me a request on XXXX for the agreed upon price and I accepted the request. He told me he was sending the tickets and then blocked my phone number. I called my bank ( Capital One ) and immediately reported this transaction as fraud. They ultimately denied this claim, stating that I sent the money on my own. I do not believe that I owe money to a person who did not provide the good that I paid for and am requesting a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been trying to fight late payment that show incorrect. Incorrect address that I do n't know and have never been attached to.

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 2018-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I purchase a XXXX XXXX from XXXX XXXX in XXXX mass I had a trade in I was told I was approved and the loan was for 48 months I signed all the paperwork took delivery and the next day I was asked to resign I had to resign 3-4 times all electronically and never was shown or received paper work the only time I was showed the paper work was the first time come to find out they changed the term to 84 I contacted the dealer and the sales manger was terminated. I have also contacted XXXX  XXXX XXXX and told them I had electronically signed the key pad at the dealer and it was a bad loan and I never received a contracts or documents. I was told there was nothing they could do from there I told them to come get there car due to the pad note they had me sign my credit report is now showing a charge off I am going to try this route first before filing through the courts I would like to see this off my credit seeing I did n't have it more than 45 days it also took XXXX XXXX XXXX almost 9 months to locate the car in which I told them I dropped it off right after I seening the fraudulent loan

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 2021-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To Whom It May Concern, I have been the victim of identify fraud, and I believe this debt is one of the debts which resulted from my identity theft and was falsely taken out in my name. Under the Fair Debt Collections Practices Act, I have the right request validation of the debt you say l owe. I am requisition proof that l am indeed the party you are asking to pay this debated there is some contractual obligation which is binding on me to pay this debt.

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 2018-09-06
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
i received a call on XX/XX/XXXX that on XX/XX/XXXX someone named XXXX on XXXX XXXX in south carolina added herself online to my account and has made in store purchases of over {$2000.00} since then

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 monetary relief
Consumer complaint received 2018-09-06
Company: Experian Information Solutions 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:
XXXX picked up the car after 2 months since it was a lemon law and they put my account on Charge Off with Repossion while it's WRONG and INACCURATE! 
Selling Bad car and Screwing my CREDIT!

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 2018-03-23
Company: CITIBANK, N.A.
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Unfair, deceptive, and abusive practices. Changing corporate policy with clear political agenda.

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 2023-03-12
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
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 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2021-12-06
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:
multiple inaccurate information on my credit report

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 2018-01-21
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This is supporting information and also a follow up, so after previously contact CFPB XXXX/tD finally replied to me and they sent me some proof of signature and I have proof on legal documentation that, the signature does not belong to me, thats not the way I signed, they stated that my drivers license was swiped but as I told them my drivers license was stolen and I reported it to the law enforcement ... they mentioned a account that was used to make payments on the account that I never had ... that was a account that appeared on my consumer report that I disputed as well XXXX unauthorized account opened.. 

Documentation Im enclosing shows the signature XXXX/TD sent me and said I signed .... 

And I enclosed my signature on official documents Also a copy of the police report on my lost drivers license the report is blurry but I still included it And a copy of the letter they sent me ( XXXX/ TD )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-21
Company: EQUIFAX, 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 was a customer of XXXX. Around XXXX or XXXX of XXXX, I ordered several items but I never received the order. I contacted XXXX and they issued an affidavit of non- receipt of merchandise. I completed the affidavit and faxed it to them on XXXX XXXX, XXXX. The issue I 'm having is that XXXX has placed this account on my credit file for colection. I 've disputed it several times and provided them with the affidavits but the credit reporting agencies have yet to remove them. 
In XXXX, XXXX attempted to sue for all monies due but the case was closed due to documentation I provided. 
This account should be removed from all credit files because I never received the merchandise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: Affirm Holdings, Inc
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I placed an order online via their app from XXXX I cancelled the order right away XXXX refunded the money to them and sent me a cancellation email affirm refuses to reflect this on my account they have me as still owing the balance telling me I have to wait for the merchant to process the order from XX/XX/2021 it is now XX/XX/2021 despite sending them proof they refuse to correct the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21
Company: TD BANK US HOLDING COMPANY
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: Account status incorrect

Complaint:
I purchase a XXXX XXXX from XXXX XXXX in XXXX XXXX I had a trade in I was told I was approved and the loan was for 48 months I signed all the paperwork took delivery and the next day I was asked to resign I had to resign 3-4 times all electronically and never was shown or received paper work the only time I was showed the paper work was the first time come to find out they changed the term to 84 I contacted the dealer and the sales manger was terminated. I have also contacted td auto financial and told them I had electronically signed the key pad at the dealer and it was a bad loan and I never received a contracts or documents. I was told there was nothing they could do from there I told them to come get there car due to the pad note they had me sign my credit report is now showing a charge off I am going to try this route first before filing through the courts I would like to see this off my credit seeing I did n't have it more than 45 days it also took td auto finance almost 9 months to locate the car in which I told them I dropped it off right after I seening the fraudulent loan

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX needs to be removed from all three of my credit reports. When I call the phone number to try and resove the dispute, the company never has agents available. It does give you the opportunity to pay your bill through the automatic phone system, if you have an 8 digit code ( which I do n't because I was never sent a letter or certified mail regarding this debt ). No humans can be found to take your call. ( XXXX ) XXXX this is the number, I find it hard to believe that the credit reporting agency can verify this debt when I ca n't even speak to a person. This debt is through XXXX XXXX, and it was assigned to my ex in our divorce decree.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-06
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: Personal information incorrect

Complaint:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : Wrong Name : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX Wrong Address : 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