BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have disputed numerous errors on my credit report and the reporting agencies have failed to follow FCRA and FDCPA guidelines when it comes to verification of alleged debt.

Numerous have not been factually documented.

They have not been physically verified as true.

They are not complete as reported.

They have not provided sufficient evidence to me that shows known responsibility and ownership ( not one person has sent an original contract with my signature showing I agreed to conduct business or enter into a contract with alleged debtor ) The compliance of reporting is a minimal of standard. I feel that not all items that meet collection standards meet the requisites of reporting. I am asking the credit bureaus to review every last item being reported to meet these standards and to be verified. 

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 2022-09-03
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 


XXXXXXXX XXXX XXXXXXXX total card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX aut

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Synovus Bank
State: AZ
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:
{$9.00} charge Card first progress secured card was canceled and the replacement card was not activated. Did a fraud claim they denied it I paid all charges and canceled the card I never activated new card a new charge came for {$9.00} it was not a charge I made so I was not aware nor did they give me notice I then was charged late fees and reported as late payment on my credit, I submitted good will letter to have the late charge removed because it was not my fault and I wa snot aware that a canceled or inactivated card could be used, so I gain paid all charges that was a result jn fraud and closed my account. They gave me a letter saying g they accepted my good will letter it would take up to 31 days to report, XXXX reported they company first progress did not fix the report. 
Months Nov- XX/XX/202XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX Date opened : XX/XX/XXXX Balance {$2900.00} ; XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance {$1000.00} ; XXXX XXXX XXXX Date opened : XXXX XXXX Balance {$24000.00}.

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 2022-09-02
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I recently looked at my credit profile & stumbled upon the fact that I have multiple errors on my credit report & I submitted my letters to the bureaus and have yet to receive an response. I have not had any errors corrected & my name and addresses are still completely wrong.

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 2017-09-08
Company: General Motors Financial Company, 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:
I did not authorize this company to pull my credit onXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX and it is affecting me getting credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-13
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have XXXX set up on Discover so that they withdraw the minimum amount every month. I also make additional payments throughout the month to offset any charges I incur during the week, and in fact pay more back because I round up to the next {$10.00} so as to work on decreasing my principal balance, and I also try to make additional payment just for the interest charged. So then I expect my minimum XXXX to also go through, thereby further decreasing my balance. Well Discover instead of putting the additional payments to principal, they deduct it from my minimum due, until it gets paid first, and my payments then do not go to the principal. I have requested that they not do that, but to keep my scheduled minimum payment as is, and put the additional money toward principal. They say they can not do that, which is untrue. I would understand if I did not have XXXX set up/scheduled, that any amount paid would have to go toward minimum first, but in the case of scheduled payments, any additional payment should go to principal. This is just infuriating bc it prevents people working to get out of debt, to actually get out of debt and so that large companies continue to make huge profits off of us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I believe this account is unlawful XXXX XXXX Account XXXX Interest rate is 98.29 % annaualy. It goes against California usury law. There lending practices takes advantage of people in difficult spot and put them in worst situations. When o reach out to them multiple times I got no compassion are no modified arrangements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Since XXXX my score was XXXX. In XXXX I contacted the 3 credit reporting agencies to get my score. Equifax was the only one that didn't charge. XXXX and XXXX wanted to charge a fee. After I contacted them, suddenly my credit score began to drop from XXXX ( the highest possible ) to XXXX. There is nothing negative about my credit so I can't understand why the big drop. The agencies are no help ( if you can get a live person ). It seems like these agencies can make up any score they want with no explanation. Since credit is so important in our society, these agencies should be under tight control/supervision/monitoring. I'm also beginning to suspect there may be a racial component here such as targeting minorities by lowering their credit scores so lenders can charge high interest rates. This kind of thing has happened all too often in the past.

Thanks for taking my complaint. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Experian Information Solutions 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:
Fraudulent Inquiries Appearing On My Credit report. 


Fraudulent inquries appearing on credit report appearing on credit report. 
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 2023-03-15
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:
There is incorrect information in my report. Accounts : XXXX  {$800.00} XX/XX/2021. XXXX XXXXXXXX XXXX {$2600.00} XX/XX/2021. XXXX - XXXX {$1900.00} XX/XX/2021. Public Record : XXXX XXXXXXXX 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 2017-02-26
Company: SYNCHRONY FINANCIAL
State: VA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I took out a couple of loans for medical/health concerns with CARECREDIT / SYNCHRONY BANK ( XXXX ) in XXXX and have been paying steadily for XXXX year. The loan decreased from over {$8000.00} to over {$6000.00}. I focused on paying this debt down in XXXX and so let other pressing medical needs slide. In XX/XX/XXXX, I nearly fell over when I saw that CARECREDIT / SYNCHRONY BANK had charged me nearly {$2000.00} in interest charges - charges that exceeded the amount of my initial loan, even though I was paying each and every month and had not taken out any additional loans! This should be considered criminal usury in every state, district and commmonwealth in the United States. How can any Attorney General allow any bank to charge interest that puts the person back into a position where it seems that they never even paid one cent for over one year, much less here where the bank puts the person in an even worse position by charging so much interest that it exceeds the initial loan amount?? Such predatory tactics should never go unchallenged! I was actually thankful that I had this as a resource until I realized CARECREDIT / SYNCHRONY BANK put various mafias to shame with their usurious rates!

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 2018-11-26
Company: Innovis
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: Personal information incorrect

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. 
My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX, OH XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2015 XXXX XXXX XXXX , XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: FirstPoint Collection Resources
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:
First Point Coll account # ( XXXX ) has violated my rights under FDCPA 15 U.S.C 1692g 809 ( a ) by failing to sending me, the consumer, notice of debt within 5 days of initial contact. 

First Point Coll ( XXXX ) has further violated my rights under FDCPA 15 U.S.C 1692e 807 ( 8 ) by failing to communicate that the debt was disputed. 

XXXX has also violated my rights under FCRA 15 U.S.C 1681s-2 623 ( a ) ( 3 ) by failing to provide notice of dispute after closing my dispute and after 30 days required by the FCRA. 

I will attach documents that provide proof of these violations. Documents will include the day this account was disputed, the date the dispute was closed, and a credit report 30 days after dispute was submitted. I demand that both companies permanently remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
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:
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 604 A Section 2 : It also states a consunter reporting agency can not furnish a account without my 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 explanation
Consumer complaint received 2022-09-02
Company: EQUIFAX, INC.
State: TN
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 Equifax is governed by 15 USC 1681 and they violated my rights numerous times. I demand that the accounts listed below be permanently removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Collection Agency XXXX XXXX  Original Creditor Name XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$150.00} Amount {$150.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification INSURANCE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments Contact XXXX XXXX  XXXX XXXX XXXX XXXX MA XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX  XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$2000.00} Amount {$2000.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments MEDICAL Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX Account Number XXXX XXXX Account Status COLLECTION Owner INDIVIDUAL Account Type OTHER Creditor Classification FINANCIAL Loan Type XXXX Original Creditor Name XXXX XXXX Months Reviewed 35 Activity Designator Terms Frequency Term Duration Purchased From Sold To Balance and Amounts Balance {$360.00} XXXX XXXX XXXX XXXX {$360.00} Available Credit Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity Date of First Delinquency XX/XX/XXXX COLLECTION ACCOUNT For questions regarding this account please contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 2022-09-02
Company: VW Credit
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
My Car Loan financed from Volkswagen Credit for my 2016 VW Jetta S was paid off on XXXX. My early cancellation of Service Contract refund of {$1100.00} was sent to VW Credit on XXXX instead of sending it to me. 
It has been more than a year Volkswagen Credit has not issued that refund back to me since I had my account closed already by paying off all loan amount to Volkswagen Credit. 
I have been calling VW Credit in every few days to request for refunding me amount of {$1100.00} and has been receiving the same message over call that they will get back to me with an update, however no call backs are received from past one year. 

My enquiries with XXXX Volkswagen of XXXX reveal that Volkswagen Credit has cashed that check already on XXXX but no further action taken by them to refund me that amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-26
Company: EQUIFAX, INC.
State: NC
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:
On or about XX/XX/2018, I filed a dispute with Equifax. Equifax reported a secured account with XXXX/XXXX XXXX XXXX XXXX. None of the information was correct. Initially, Equifax reported as a credit card that was over 120 days past due. I received an update, my profile is now reporting a " secured '' loan, which is not correct. High balance of {$3400.00}, and I already stated never had a credit card. In fact, I do not have a secured loan. And if I did, how would I be 120 days past due when my credit report is saying the monthly payment is {$250.00}, but only {$410.00} is past due. None of this makes sense. Equifax did not properly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax leaked my personal information to hackers. This is proof that the company is incompetent and should NOT be allowed to store people 's sensitive information. I want Equifax to delete ALL of my data.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
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: Account information incorrect

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 604 A Section 2 : It also states a consunter reporting agency can not furnish a account without my 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 explanation