BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-02
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2017-09-01
Company: Exeter Finance Corp.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I do not recognize nor did I authorize the following inquiries to be made : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXXExeter Fin XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: North State Acceptance, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've contacted North State Acceptance several times this year in order to get the original contract for this alleged debt on my credit profile that I do not owe. I have not received a response for my request at all. This error is hurting my credit profile severely! I never received a auto loan for the debt in question. I never heard of this company. On my report it stated it was a repossession. I never had a repossession ever!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2018-11-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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 client, XXXX XXXX is a victim of identity theft. A current credit report reveals that a fraudulent application was submitted with his information that resulted in an inquiry XX/XX/2018 with XXXX XXXX XXXX/ Cabela 's that he did not authorize reported to XXXX . My client first contact contacted Cabela 's because he does have a legitimate account however he did not apply for this second one. An official dispute was sent to Cabela 's XX/XX/2018 and as of this date no reply concerning the investigation was received. This is a violation of the FCRA and my clients consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2023, I received a letter from TransUnion ( copy attached ) with this absurd statement : " ... we were unable to process your request because we were unable to determine the nature of your request or your request was illegible. '' On the advice of my attorney, I'm submitting another complaint via CFPB. 

After being rebuffed by TransUnion several times about the complaints listed below, even though one supervisor told me that, although credit score calculations are dynamic, nothing had changed in my credit file other than credit utilization which went from 3 % to 10 %, that would cause the XXXX point volatility, and that he would have to refer this to a higher authority. I never heard from TransUnion again. 

These 3 complaints are : 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 2022-09-02
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

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 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Trans union credit report paid off several accounts they havent removed them from my credit report said they will be on my report even if XXXX  for 7 years unless companies tell them to take them off. What is the incentive to pay off bills if they arent removed from your credit report. And isnt it there job to let the people know they have been pd off. How do I fight this. Ty for listening 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 2021-04-08
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: Information belongs to someone else

Complaint:
There are five accounts on my credit report that are not mine I have gone thru this with Experian and XXXX  but they are still reporting these fraudulent accounts and I have opened an ftc I have called and been disputing this since XXXX of 2020 I need these accounts off my report because they don't belong to me. 

XXXX XXXX XXXX - XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX Inquiries 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 2018-11-26
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I use XXXX XXXX to track my score. I've been working hard to improve my score and pleased to see that XXXX  has my score updated after 30 days. My score with them is XXXX. 

However with Equifax, it's still sitting at XXXX and they are telling me that they have to wait for lenders to send them updates. I don't understand how TransUnion can get updates from lenders but not Equifax. They're saying it can take up to 90 days which is more than 3 months to get an update while XXXX  is quick on their feet. 

I can not sit around and wait from Equifax to catch up to XXXX simply because they have a different update policy. So the compliant it to get Equifax to improve their update policy and have the score updated on a more frequent basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Dear Equifax : I want that you take a look at this account and figure out why there're in my credit file with multiple inaccurate, errors and mising information. 
It would be great if you send me the new report detailing the deletion. 

XXXX XXXX Account number : XXXX Opened Date : Equifax XXXX Opened Date : XXXX XXXX Inaccurate Open Date must be deleted inmidiatly. 

Account status : Equifax reports : OPEN XXXX reports : CLOSED Inaccurate account status must be deleted inmediatly. 

Payment history : Equifax reports : no payments XXXX reports : charge-off Missing payments history account must be deleted inmediatly. 

Also this account obviously has been open in a period of time where I been living in a shelter since XXXX until XXXX. 
Please see attached Residency letter from shelter. 

Theres a picture of the deletion of this account from XXXX  as proof of they are using the right method of verification.

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: 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 receive two letters from XXXX XXXX XXXX  after a few calls to their different departments complaining about Inaccuracy being reported to the Credit Bureau 's. 
XXXX XXXX XXXX letter dated XXXX XXXX We reported that this Account was Closed on XXXX XXXX. 
XXXX XXXX XXXX letter dated XXXX XXXX We reported that this Account was Charged Off on XXXX XXXX. 
As of XXXX XXXX Experian Payment Summary still reports the account as 7 potentially negative months Late XXXX XXXX thru XX/XX/XXXX -all payments on time XX/XX/XXXX - N/A XX/XX/XXXX thru XX/XX/XXXX- all payments on time XX/XX/XXXX thru XX/XX/XXXX - late payments of 30,60,90,120,120,120, what happen to 150and180. 
XX/XX/XXXX thru XX/XX/XXXX - N/A XX/XX/XXXX - account Charged Off Now if the Account was Closed on XXXX XXXX and Charged Off XXXX XXXX how can there be any on Time Payments or Late Payments being reported, this Account was CLOSED as of XXXX XXXX I respectfully request that all Inaccurate reported Information be remove from my Credit Report Under the Fair Credit Act.

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 2017-09-01
Company: FIRST HERITAGE CREDIT LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
The company First Heritage Company, garnished my wages at my previous employment for a period 6 months. The garnishment was satisfied and I got the account removed from my credit report. They are attempting to re-garnishment my wages, without properly notifying me nor sending me any sort of statement of what is owed if the balance was not satisfied. This company is located in XXXX, Tennessee. I have located the county clerk office who will be giving me a copy of my garnishment paperwork showing the judgment has been satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  Data breach and may have got into the hands of the wrong person.

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 2018-04-16
Company: AES/PHEAA
State: MI
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:
On XX/XX/XXXX I lost my job, I immediately call XXXX XXXX  to notify them I lost my job and was unable to make any payments at that time. Mind you every call is recorded for quality assurance - which I doubt. I've never missed a payment with them since consolidating my loans years ago. Since calling to tell them I have not been helped once. I've received calls periodically informing me I'm late on my payments, AGAIN with those same calls they make to me I've told them I lost my job in XX/XX/XXXX and have discussed this with several of their callers. One caller informed me to get online and fill out the deferment portion and submit it. I did that in XX/XX/XXXX/XX/XX/XXXX. I kept getting phone calls since and AGAIN explained my situation to them and yet nobody was knowledgeable to help me or would till the week of XX/XX/XXXX when XXXX ( employee id - XXXX ) called and AGAIN I explained to her my situation and her response was she couldn't believe nobody has helped me yet. She verbally told me she would be sending the deferment papers by mail this time along with a quality complaint form. I received a quality complaint form and immediately filled it out and mailed it back in. I also saved a copy for myself. I have not yet to receive the deferment papers in the mail yet. HOWEVER I have received a threatening letter from XXXX  XXXX  detailing me of my delinquency and is in danger of default, that was marked XX/XX/XXXX. Their claiming I'm {$1100.00} past due, and {$950.00} past due. I wouldn't be past due if they would of done their part back in XX/XX/XXXXwhen I phoned them immediately and explained my situation. I received a call from XXXX ( employ id XXXX ) the week of XX/XX/XXXX asking me about if I can pay the full amount. AGAIN I explained to him what I have been explaining to every other caller since XX/XX/XXXX, and just the week before to XXXX who told me she was not only sending deferment papers by mail to me but she's noting my account. XXXX was unaware of any of that. On their delinquency letter they have informed me that all credit bureaus are aware of my pass due. Again, no deferment papers have been received to my address XXXX XXXX XXXX, XXXX, MI XXXX. BUT they keep sending me bills, threats, and delinquency notices to that same address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 XXXX ACCT : XXXXhas violated my rights.

15USC 1681 SECTION 602 STATES i have a right to PRIVACY 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under OPEN END consumer credit plan as LATE for any 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 non-monetary relief
Consumer complaint received 2022-08-14
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have contacted Experian about furnishing these fraudulent accounts on my credit report and they are not cooperating. They claim to have " verified '' these accounts but have not been able to show me any document, bearing my signature, signed by my hand. The reporting of these accounts are a violation of my federally protected consumer rights under 15 USC 1681b under permissable purposes. My written consent was not given to report these erroneous accounts attached in the dispute letter below. I have also attached an affidavit of truth, an affidavit of cease and desist, and an affidavit of demand for verification, all of which have been notarized by a notary public.

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 2023-03-14
Company: EQUIFAX, 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: EQUIFAX, INC.
State: VA
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance {$2000.00} ; XXXX XXXX Balance {$4500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I disputed a transaction I made online using my B of A Debit XXXX. The date of the transaction was XX/XX/2021 in the amount of {$1600.00}. The name of the company is called XXXX XXXX. They have accepted the chargeback twice now and as of today it has been 3 months that B of A still hasnt processed this claim and retuned my money back to me!

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 2017-04-20
Company: LJ Ross Associates
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I called and they stated it is for a utility bill I never authorized. They refuse to prove that the debt is valid

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation