BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-14
Company: Penn Credit Corporation
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: Information belongs to someone else

Complaint:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Experian Information Solutions Inc.
State: NY
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  # XXXX, has violated my rights, and 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 non-monetary relief
Consumer complaint received 2019-05-17
Company: EQUIFAX, INC.
State: IL
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 XX/XX/2019 I requested validation and verification of a bankruptcy with XXXX XXXX that has been reporting to the credit bureaus. After 30 days I received a response from Equifax stating this was verified. They did not give me the procedure used as requested. According to the FCRA credit reporting agencies are required to provide to the consumer the method of verification and proper validation upon request. This includes the name, address, and phone number of the verifying individual. XXXX XXXX violated the FCRA by not complying with its guidelines. Furthermore, I also contacted the local courthouse to verify if XXXX XXXX verified with them. I was told by the court clerk that they DO NOT give any information to any of the credit reporting agencies including XXXX XXXX. I do not know how XXXX XXXX received PROPER verification and validation if it did not come from the source of the information themselves. This is a direct infringement of my rights under the FCRA. I am asking that this bankruptcy be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
Company: EQUIFAX, INC.
State: PA
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:
Equifax deleted 4 fraudulent XXXX XXXX  inquiries from my credit report but they left 5 fraudulent inquiries on my credit report. 

No consumer in their right mind applies for credit from the same company this many times. It does not make sense a blind man can see that these inquiries were not done by me. 

XXXX XXXX told the CFPB that some are fraudulent. 

Equifax has been stating that these inquiries were verified for months. 

I asked XXXX XXXX and Equifax for the paper, electronic and audible proof that I initiated these inquires and they both have failed to provide me the documents that they are using to authenticate these inquiries. 

How did the pick and choose which inquiries to keep and which ones to remove?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-06
Company: ERC
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on ENHANCED RECOVERY COMPAN ( XXXX XXXXT ). Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: Convergent Resources, 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:
Thank you for your time! Humbled am I! According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract and Reporting Act section 611 ( a ) ( 1 ) ( A ) and  Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Act ( including but not limited to Section 623-b ) I asked these companies to simply show me verification of debt etc or if these items are mine. None have done so. I am asking for proof or delete the item. It has been 2 months now almost 3. I have been filing reports and giving them chance after chance to prove this yet they refuse. I mailed more letters off as late as last week. 

XX/XX/XXXX I mailed the first sent off letters. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.

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 2019-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX did not provide adequate verification for debt question. No documents were provided showing a contract or signature.

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 2021-11-06
Company: Experian Information Solutions Inc.
State: MN
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:
The following credit inquiries listed on my Experian credit report is unauthorized and not my credit inquiries : XXXX  XXXX XXXX, XX/XX/2021 and XXXX  XXXX XXXX, XX/XX/2021.

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 2021-07-14
Company: EQUIFAX, 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:
Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
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: Information belongs to someone else

Complaint:
I am writing to you because you are my last attempt as I can not understand why unknown accounts are in my credit profile? These accounts are not related to me or to any my transactions I do not know the at all. I do not recognize them at all I just assume that this is a big mistake or someone made a fraud and used my personal information. However I do not want to this mistakes in my profile. Please delete them ASAP because everyday I am loosing a lot of money because of their existence.

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 2019-05-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX a check was deposited into my account for the amount of XXXX dollars. I called the bank to inform them of the fraudulent activity. I also informed them that my debit card was recently stolen. The bank explained that the check was deposited in another state via atm. They also stated they have surveillance with the image of the individual who committed the crime. I informed the bank that in 8 years Ive never deposited a check via atm not do I have any ties to anyone in Texas which is the state the crime was committed. Despite frequent calls and clear evidence that the check is fraudulent the bank has decided to hold me accountable for the fraudulent check. That is extremely alarming considering the evidence they have in direct opposition of their decision. Please beware of USAA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX {$0.00} 15 U.S. Code 1666 XXXX Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
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:
Please help .... 

There is incorrect information on my credit file. Please assist me in removing this inaccurate Information. 

there are incorrect name spellings on my Transunion credit file ; XXXX  and XXXX ; also XXXX, XXXX XXXX there are several inaccurate addresses ; XXXX XXXX and XXXX XXXX XXXX I was never 30 days late on the following accounts in XXXX & XX/XX/XXXX ; XX/XX/XXXX ; XXXX & XX/XX/XXXX for the XXXX XXXX I was never 30, 60, or 90 days late on the following accounts in XX/XX/XXXX, XX/XX/XXXX, XXXX & XX/XX/XXXX, XXXX ; XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX for the XXXX XXXX. 

The XXXX  XXXX account do not belong to me and it is reporting on my Transunion & XXXX ; Bal : XXXX Please remove unauthorized inquiries : XXXX XXXX - 4 Times XXXX XXXX - 2 Times 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 explanation
Consumer complaint received 2018-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
Greetings, To whom it may concern.

I have been a victim of the Transunion inquiry issue. I contacted Transunion customer service department, spoke to a representative and explained what happened. Unfortunately, the representative did not agree to remove those inquiries from my credit report.

Please find below the inquiries I requested to be removed.

1. XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, SD XXXX  ( XXXX ) XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX   ) XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX  ) XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, DE XXXX ( XXXX ) XXXX 6. XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX 7. XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX 8. XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX   XXXX, DE XXXX ( XXXX ) XXXX Please proceed with this request and update my credit report accordingly.

Thank you in advance.

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 2020-10-09
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Starting in XX/XX/2020 I have reached out the Bureaus almost 6 months now and they have not responded to any of my letters that I have sent. This is a Serious Violation and could be taken to court to proceed suing. They have violated the Fcra Statue of limitation for reporting inaccuracies and ignoring me. This is XXXX me out because i XXXX XXXX have the right to dispute anything inaccurate by law

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
Follow-up complaint to resolution of complaint ID # XXXX. 
I have received my report from the company dated XX/XX/2022 and multiple errors still persist. My correct name, phone number, and address was given in my i.d theft report. XXXX errors still persist on my report after the complaint. 
According to the 15 USC 1681, i have a right to privacy. Also 15 USC 6802, No financial institution is suppose to share my infomation with third-party people. 
I believe these are clear violations of my federally protected consumer rights.

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 2020-11-10
Company: Experian Information Solutions Inc.
State: AZ
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:
XXXX XXXX XXXX ACCOUNT # XXXX Erroneously marked as closed on XX/XX/XXXX settled for less than full balance. 

Factually, account was closed on XX/XX/XXXX and settled for less than full balance on XX/XX/XXXX. 

No late payments.

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 2020-06-26
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: Credit inquiries on your report that you don't recognize

Complaint:
I just reviewed my credit report and noticed several inquires that i did not authorize and it has caused my credit scores to drop big time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: JPMORGAN CHASE & CO.
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Hi, I have an account opened since XXXX  with this Bank ( Chase ) ... which was previously with Washington Mutual Bank with which I had a Debit card. I live in XXXX and I wanted to use a Debit card for which I made the Application in XXXX of this year. After several claims and paying international shipping, I received the card more than 1 month ago, but the PIN did not reach me even though the Bank says it has sent it 3 times. I have complained several times ( it has been almost 3 months and it does not arrive ) but they do not give me a solution or are not interested in knowing what happened with the sending of the PIN. They always tell me that the PIN should be mailed to me, but they don't bother to find out. I have even said that I pay for international shipping and they tell me that it is not possible, but no one gives me an alternative or attend to me. They only respond like robots and in the meantime, I can't use my money. I am desperate and I would like someone at the BANK to act and make sure that the PIN reaches me. I really don't understand why they can't use digital systems. My husband 's company has just changed his corporate credit card and he has done everything ( application and PIN ) online. 
I appreciate your management so that they treat me correctly and solve my problem. 

Atach many contacts I did ( in XXXX sorry ) with the Back asking for a soluction where they response as robot .. always the same. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I started to get credit to build my credit ; instead, of paying for things with cash is what my exwife suggest I should do. I also noticed that some of the things that I received on credit and paid it off without missing nor short on payments in its timely manner I did not receive points for. But, this one credit that was XXXX that was payed off with in a year that was supposed of been without interest as long as it was paid off within a year but there was interest ; so, I paid it off anyway on XXXX the account was open on XXXX and my credit score dropped after it was paid off by six to nine points. Instead, of it increasing by sixty, ninety points or more. Yes I called Experian after I filed an dispute and said, I dont understand how my score dropped instead of going up when I maintain payments, never late and paid it off in a timely manner. He quate discuss it with a Credit advisor. I told him, it makes no since to discuss it with a credit advisor when the whole idea of getting credit and maintaining it by paying it off in its timely manner is to build credit ; so, why would I want to discuss it with a credit advisor?

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 2019-05-16
Company: HYUNDAI CAPITAL AMERICA
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Kia Motors Finance says that I owe them a debt, but I also have a letter from KMF stating that the debt has been paid in full. Now, because I won't pay the alleged debt, am making KMF honor the document, have exercised my consumer rights, and am in the process of initiating a civil lawsuit, KMF has retaliated by threatening to merge my current new car retail lease with the totaled vehicle retail lease that they allege a debt is owed. KMF has threatened to unlawfully accelerate my car payments and illegally repossess my car if I do not pay a debt they said was paid in full. This proves KMF is intentionally violating my consumer rights and is using deceptive business practices.

Company response to consumer: Closed with explanation