BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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 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 2022-02-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I was going to have to make a late payment on my car due to wildfires in CALIFORNIA in XXXX of 2019. I called XXXX  XXXX auto and spoke to a very nice representative and was assured that I would not receive a 30 day late charge due to the natural disaster, as we were evacuated from our homes due to the wild fire. I made the payment when I could and even after being promised that I would not get a late payment one showed up anyway. I have called XXXX XXXX auto 3 different times even after I paid off the loan entirely to try to get this late payment removed and they say the same thing every time. XXXX XXXX reports all late payments by law and can not change them. Please help me with this as its greatly lowering my credit score. I have 2 credit cards with capital one with Exceptional payment history.

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 2023-11-10
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:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: In progress
Consumer complaint received 2021-03-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi, I submitted a complaint on XX/XX/2021 with complaint ID XXXX on issues about collecting on 2 credit card debts. I do not know if you requested information for me but I received correspondence from Portfolio Recovery Associates, LLC. Again please find the attached letters I keep on receiving from them when I ask for verifiable proof. I keep on asking that they provide me with a contract, signature that these are mine and I am obligated to pay them. They keep on asking me for additional information, I do not understand what additional information they want from me, I am looking for proof from them.

Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I applied for a Chase " Amzazon '' credit card offer ; received denial letter dated XX/XX/2021 that the account can not be approved due to already have an account of the same type, ending in XXXX. 

This is inaccurate, and I just completed a full credit report, confirming that no such card exists. Therefore, either there is an account fraudulently opened in my name or there is an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
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: Investigation took more than 30 days

Complaint:
I sent a letter over to the bureaus certified that they must respond in 30 days according to the CRAct. They still and havent responded and its been over 35 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: Experian Information Solutions Inc.
State: AZ
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/2021, I contacted Experian to dispute a fraudulent charge off account with XXXX XXXX XXXX. I never had an unsecured loan with that bank. I was told that I couldn't dispute the account nor could I remove the fraudulent address associated with the account. A letter was sent to the actual creditor and they had no contract of an unsecured loan with my name and SSN. I noticed on my credit report that the account went from {$18000.00} to {$13000.00} within a couple of days from talking to Experian. On XX/XX/2021, I got an alert from Experian saying that the account was completely paid off. I never made a payment. I called Experian on XX/XX/2021, and asked to dispute the account. I was told that the account can't be disputed ever again. I asked why and was told by XXXX ( rep for Experian Special Services ) that the account had been blocked for fraud previously but XXXX XXXX XXXX sent Experian documentation of a loan in my name and SSN. I asked why Experian has never sent me this documentation and was told that I have to contact the creditor because it's not Experian job to send documentation that validates a 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 2021-02-05
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Experian Information Solutions Inc.
State: NY
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: Problem with personal statement of dispute

Complaint:
Credit reporting agencies. XXXX XXXX XXXX XXXX  Charge Off of {$4400.00}. This should never have been on my reports. Id like this removed. When I purchased XXXX XXXXXXXX from XXXX XXXX XXXX I had issues. Within 7 days I took the car back to the dealership and was told I couldnt return the car. The manager actually argued with me, and was very rude. I took it back four times for an oil leak, and was told each time they fixed it. Finally, I contacted XXXX XXXX XXXX XXXX to complain and they did nothing. I contacted the XXXX XXXX XXXX put in a complaint and also the lemon Law. In the end I turned the car over to the bank. Because Im a woman, I felt I was taken advantage of.

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 2022-02-26
Company: ALLY FINANCIAL INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I initially experienced issues getting my funds from a CD released via complaint XXXX then when those were released Ally proceeded to block my attempt of sending a wire. 
I initially the request well ahead of their cut off of XXXX XXXX. ( I sent it in XXXX XXXX  ) They claimed that they didn't have enough time to review it and did not send out my wire. in time. 
I needed the funds today for my title company for the purchase of a property and due to them it was delayed due to XXXX hours wasted trying to get my funds from a CD and then them not processing a wire on time.

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 2023-03-13
Company: EQUIFAX, INC.
State: LA
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 XXXX XXXX XXXX, bad health and no longer able to work and take care of obligations. I spoke with XXXX and the said that they would put me in a plan that would help my situation. They are reporting to all the bureaus and it hurts because Im not able to do whats needed to eliminate this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
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:
I already disputed this account from XXXX XXXX with account number XXXX and filed a complaint thru FTC last XX/XX/2021 with Ref # XXXX and it was deleted under Experian from my credit reports. However, on my monthly updated credit reports dated XX/XX/2021, a newly added account appeared in my reports with the same account name XXXX XXXX XXXX XXXX and the same account number XXXX and is reporting negative still under Experian. I've attached a photo of the 2 accounts along with the copy of my credit report summary showing that it has been deleted and was added back again. I want this to be removed as it is very illegal to add on removed fraudulent accounts. I have contacted them before to demand validation of the said account and have it closed but I have never received any validation. This willful neglect has not only caused much financial hardship, but is also a direct violation of my rights under the Fair Credit Reporting Act. This is a scam and I want this to be thoroughly investigated promptly. This inaccurate account is being reported negative in my credit records again and is hurting my financial stability. I have disputed this and was deleted but it has been added back again.

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 2020-01-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Havent received anything about this debt for months. I had medical issues out of no where. The lawsuit came out of no where. I am in a good spot to pay off the debt with a payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 my payments on schedule and never missed a deadline, so this situation is causing me distress. I'm struggling with the inaccuracy on my account, which is affecting my sleep. I urgently request that you correct the late payment error and update my account as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-03
Company: Experian Information Solutions Inc.
State: AR
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:
My brother informed me that I received a letter in the mail from where I use to live stating that I owed a debt of some type. I did a little investigating and I was told that someone has given my name and social security number to open accounts. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and 3 inquiries that had been pulled under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX {$740.00} XXXX XXXX {$1200.00} XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$150.00}

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 explanation
Consumer complaint received 2021-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 was surprised and appalled to find out that third parties are reporting bankruptcy to the credit bureaus. I was erroneously led to believe that it was the court house and/or Pacer who were reporting to the credit bureaus. So I sent a letter asking how each entity obtained this information. In return, I was told various things from public record or the court court house.

I immediately looked into this and learned that the NEITHER the Court House NOR the Pacer systems reports to third parties or the credit bureaus.

Therefore these companies fished for information from public records. They then used the fished information to turn a supposed bankruptcy from a private matter to a public matter, which is a direct violation of my consumer rights. Credit Bureaus are NOT supposed to use Public Records for their reports!

I did not authorize any third party reporting of supposed bankruptcy. Furthermore, the claim that the Courthouse or Pacer reported the information to a third party or a credit bureau is fraud.

I demand that the supposed bankruptcy and any accounts associated with it, be removed from my consumer file, immediately. Furthermore, I demand that other third parties and three credit bureaus follow suit.

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 2021-06-23
Company: WELLS FARGO & COMPANY
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I obtained a car loan in XX/XX/XXXX for a XXXX XXXX with Wells Fargo XXXX XXXX. In the time since, I believe I missed 2 ( maybe 3 but I doubt it ) payments : once due to my bank account being frozen as someone fraudently withdrew several thousand dollars from my account. I always make a payment of $ XXXX {$270.00} every month but yet the balance on my loan never decreases. According to me, I should owe approximately {$2000.00}, if even that much. My credit report shows a continual balance of {$4400.00}!! I'd like to know what the actual balance is as I'll either pay the car off soon or refi with a much lower rate - my loan is at 11 % and my scores are now XXXX and XXXX so I could qualify for a much lower rate. I would appreciate any help that you can provide. I know this seems to be a common complaint regarding Wells Fargo 's loans. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX, Ohio 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 2023-06-28
Company: Experian Information Solutions Inc.
State: NJ
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 explanation
Consumer complaint received 2022-02-08
Company: Experian Information Solutions 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:
too whom it may concern. I am submitting this complaint on my own and there is no third party involved in me submitting this complaint. I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I have sent numerous letters with a police report and FTC report, and an notarize affidavit to XXXX, and Experian and they have yet to remove the items i stated were fraudulent on my credit report. This is a total violation of the FCRA. I feel they are taking advantage of me and are not doing their jobs. FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. It's been months and they have yet to remove these accounts even after i sent a police report and an FTC report. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove XXXXXXXX XXXX and XXXX XXXX from my credit report. the following items do not belong to me and is a result of fraud that I did not authorize. 
Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

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 2023-02-23
Company: Experian Information Solutions 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:
Dear Experian, I am writing about account XXXX on my credit report and to request that you either provide a method of verification or permanently delete the account. I previously disputed this account with you, and you responded by stating that it was verified and validated as accurate. However, I have since followed up with the original creditor, and they were unable to fulfill my request for validation of the account. 
I am aware that it is my right by law pursuant to 15 USC 1692g to request validation of a debt, and it is concerning that the original creditor was unable to provide any relevant information relating to the debt. Additionally, the original creditor informed me that the account had reached the statute of limitations and that they were no longer actively attempting to collect on the account. This is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
I would like to remind you of the responsibilities of the Credit Reporting Agencies to report complete and accurate information. It is my belief that proper procedures were not followed in the investigation of my dispute, and this behavior could constitute fraud, identity theft, and false and inaccurate reporting. 
This letter is my final attempt to address this issue before I exercise my legal rights as a consumer. I urge you to investigate this matter and take appropriate action to rectify the situation. Failure to do so may result in further legal action on my part. 
Please provide me with a method of verification for the account or remove it permanently from my credit report. I look forward to hearing from you soon. Please provide evidence of the reasonable procedures used to determine the validity and accuracy of the information. Please provide the names numbers and addresses of the people contacted for you to come to your conclusion to insure your procedures were reasonable, impartial, and fair to preserve the rights of the consumer. 
Please provide Documentary evidence and any other valid information. Please request the Disclosure from the furnisher that I signed giving your company permission to furnish the account as a failure to do so could constitute identity theft because my private protected non public information is being shared between two companies in a business transaction that does not involve me except to harm my reputation. 
Please send all required Documents.

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 2020-07-31
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:
My credit score dropped 137 points and TransUnion could not give me a straight answer as to why. My score dropped XX/XX/2020. Last week into the beginning of this week ( today is XX/XX/XXXX ), I was communicating with them through email. I kept going back and forth with them because they could not tell me specifically why my score went down. I am on time with my payments and have had old collections removed. Everything that would've dropped my score had been previously reflected. I did not remove any accounts that built my credit history. I have not applied for any new lines of credit or taken out any new loans. There is nothing new on my report so I don't know what action to take. My score just dropped for no reason. My score also shows a drop with XXXX as well, however I have not yet reached out to them so for now my complaint is with TransUnion.

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