BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-02
Company: ERC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Amount they are claiming I owe XXXX : {$80.00} They have called my personal cell phone number from the number ( XXXX ) XXXX on the following dates and times : XX/XX/2018 at XXXX XX/XX/2018 at XXXX XX/XX/2018 at XXXX They also used the following number on XX/XX/2018 at XXXX : ( XXXX ) XXXX I have received multiple collections letters in the mail claiming to be coupons and other misleading things from this company. 

On XX/XX/2018 this company called my girlfriend on her personal cell phone number at XXXX from the number XXXX XXXX XXXX XXXX. 

They also called her number on XX/XX/2018 at XXXX from phone number XXXX XXXX XXXX XXXX When answered the calls are completely silent. Upon calling them back it's revealed that its this collection agency. 

This debt is originally owed to XXXX from a no contract phone service. They keep reporting to my credit as a recent debt to keep collecting. I've checked my credit reports and their claim keeps getting updated as if I just acquired it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
During Covid-19 we received a letter from 53rd Bank stating us to call and discuss forbearance options. Till date, my wife and I both are employed and have been diligently making mortgage payments. 
We decided to call the bank and discuss that we are not interested in forbearance and that we will continue to make payments which we did. However, 53rd had put our credit and our account status in forbearance and this has caused a lot of financial problems for my family. 
We are closing on a purchase of a vehicle and I can not proceed as they have flagged my SSN and account to list as forbearance. I will attach statements as proof that we have been making payments, they charged us with fees that are unjust. 53rd classified these fees as late payments, whereas we have been making payments diligently every month. 
To say the least, we are very dissatisfied with their customer service, their legal department and their supervisors. No one was ready to assist us when we reached out to customer service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-01
Company: Experian Information Solutions Inc.
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:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 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 2020-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 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 2021-04-30
Company: EQUIFAX, INC.
State: LA
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/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation 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 2023-06-14
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:
I have been sending dispute letters since XXXX last year and they have completely ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone way past the 30 day mark and can not verify the account under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete Account # XXXX *. Please resolve this manner as soon as possible thank you

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 2023-02-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX and XXXX isnt removing items that arent mine on my credit report and I sent in police report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: TD BANK US HOLDING COMPANY
State: FL
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:
XX/XX/XXXX i was notified of a credit issue / found that a New bankruptcy was put on my credit report from XXXX / TD auto finance. they both had reported me late and wage earner plan chapter XXXX. / chapter XXXX was filed in XXXX they was only notified XXXX closed my account in XXXX and reported me late and discharged through bankruptcy. 
i reported them as inaccurate. I had a XXXX  balance at the time that i filed in XXXX owed no money. i was never late on any payments now. 2 years later they put me down for a new bankruptcy and added 2 more years XXXX to get it off. They were not a part of my repayment plan. My chapter XXXX case closed in XX/XX/XXXX. paid in full / Paid TD loan off was never late and was not part of the chapter XXXX i paid on time outside of my plan. This has been misreported from the beginning and i cant seem to fix the errors on my own.I need some help. Recap i never owed XXXX any money never late and never was discharged under chapter XXXX TD paid in full on time never put in chapter XXXX bankruptcy. Both reported me to the three main credit company On XX/XX/XXXX as delinquent account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX BANK XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX BANK XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX A XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : {$1900.00} XXXX BANK XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX BANK 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 non-monetary relief
Consumer complaint received 2023-01-18
Company: Upstart Holdings, Inc.
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Upstart invited me to apply for a loan then pre-qualified me via credit soft pull for an {$11000.00} loan. My credit score was XXXX at the time with an excellent payment record. They had me upload a video promising to pay the amount I accepted back. I did record and upload the video as well as upload the verification documents, after the video was uploaded they denied the loan on a Sunday in XXXX minutes, although my record of payment with creditors is excellent. 

The only reason they denied the loan so quickly after I sent the video and Id verification is because I'm XXXX as they had no reason to renege on the loan. I have emails from them that show a change in attitude once the video was uploaded. Up until they saw my XXXX  XXXX all was good, suddenly when they saw my XXXX the loan was denied. 

They never did a hard pull, but did do a soft pull of my credit after which time they offered the loan. Then after the video was uploaded they denied the loan..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: EQUIFAX, INC.
State: SC
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 reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018 ; XX/XX/2018 ; and XXXX XXXX. It is now XX/XX/2018. I sent the XXXX XXXX-XXXX and all XXXX credit bureaus a copy of my police report, ID Theft Affidavit, ID, and my social security card. The company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX 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 consumer reporting agency can not furnish a account without my written instruction

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 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have made three calls to have freeze lifted from my credit report to try and obtain refinancing for my home. The first call was disconnected. The second call because of the wait time I requested a return call. The person who called back to assist me was rude and condescending. I requested a supervisor and that person put me back in the queue. I have now on hold as with the very first call. Therefore I have now been waiting for 30 minutes on a return call to get a freeze lifted.

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 2022-10-06
Company: ALLY FINANCIAL 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:
Consumer Financial Protection Bureau RE : Ally Financial - Error in reporting After numerous attempts and requests, I hereby am sending another request to CFPB asking if you can assist me in having Ally Financial to comply with the laws applicable to verifying the reporting of payments. 

Ally Financial has submitted corrections to the account by shifting the current and ( 30 ) thirty day late payments from one month to another as follows : CORRECTED TO SHOW : PREVIOUSLY SHOWED : XX/XX/XXXX Current XXXX XXXX 30 Days Late DXXXX XXXX 30 Days Late XX/XX/XXXX Current XX/XX/XXXX Current XXXX XXXX 30 Days Late XXXX XXXX 30 Days Late XXXX XXXX - Current All Ally Financial did was move the payment history around. It still shows two ( 2 ) Late payments. These payments were adjusted due to the pandemic and paid according to the updated agreement, but they have never corrected their reporting. 

Ally Financial has maneuvered two monthly payments for over a year now and are hindering my credit report from being accurate. I have requested that they adhere to their letters to extend the due days which would have made my payments Current, and not 30 Days 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 2020-11-26
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
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:
Tuesday XX/XX/XXXX around XXXX pm we left our phone in an XX/XX/XXXX Whoever found our phone whether it was the customer or driver took our phone and sent them selves a total of XXXX $ from our XX/XX/XXXX. XX/XX/XXXX did nothing to resolve as you cant even reach them by phone. Santander bank refuses to give us our credit back even though we have called over and over and opened the claim about 3 times since XXXX. They say we authorized the transaction which was impossible because the time stamps on the transaction were during the time the phone wasnt In our possession and in the uber! It happened around XX/XX/XXXXish and we didnt even get the phone back from the uber driver till around XXXX pm!!! XXXXXX/XX/XXXX santander noone has helped us in4 months and this person is just off the hook of stealing such a hefty amount of money from us! We wouldn't be fighting so hard for our money is we approved this transaction. We have never filed a claim or anything of any sorts to be told we are lying. Someone stole from us and the bank refuses to do anything g about it.

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 2020-06-01
Company: Diversified Adjustment Service, Inc.
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: Account information incorrect

Complaint:
I logged in to check my credit today and saw a collection account on my credit for Diversified Adjustment, who is apparently attempting to collect an account on behalf of XXXX. When I started XXXX service a couple summers ago, I was offered a no-commitment trial period. Within the first two ( 2 ) weeks of starting service, my phone factory reset itself causing me to lose EVERYTHING, including some pictures of my 2 year-old son who had passed. I immediately returned to the store to return all the phones. The man at the store refused to take the phones back unless I agreed to pay a fee on the spot. I told him this was not explained to me at the time I purchased the phones and demanded to see a copy of the contract listing this fee. He was unable to produce it. I told him me returning the phones was non-negotiable as I no longer wanted anything to do with XXXX. He continued to be belligerent, so I left the merchandise on the counter and left the store. My teenage daughter was with me and witnessed the entire event. As to Diversified Adjustment, I never received anything from them at all or I would have disputed this account with them.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
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: Information belongs to someone else

Complaint:
I have a unauthorized account on my report and would like it to be removed according to the FCRA any inaccurate items on my Credit report that isn't % XXXX verifiable or accurate must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Please note, this is not a duplicate complaint, this complaint is due to the new fraud item on my report. I'm not using any third party for this matter. I'm victim of identity theft, someone has applied on my behalf for credits, this inquiry I have never authorized : XXXX Inquiry : XX/XX/2023. It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that this inquiry is being disputed is because it waw not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that this inquiry waw made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. Please remove this fraud item from my report 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 2023-05-12
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:
This is the further time I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit reporting agencies to review these items ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the following incorrect information on my 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

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 2018-08-28
Company: SYNCHRONY FINANCIAL
State: UT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have an XXXX store credit card and have spent over {$1500.00} on various purchases over past year. Recently I found some unauthorized charges on my bank statement. my banker had me go through all statements for past year. When I did I found many questionable and unauthorized charges on XXXX as well as a few others. I had investigation done and put fraud alert on my credit reports as well as notifying the companies involved. I have purchased many items from XXXX including movies- which I paid full price for. I tried to watch one of the movies I paid for on XXXX XXXX XXXX the other evening and found out my account is frozen due to the fraud. I asked to be able to watch movies I have paid for and was put on hold and no one came back on phone. I called tonight and was being transferred to supervisor but no one ever came on phone. When this fraud was first found, XXXX reissued by card-which I have paid in full. I no longer leave my credit card online. If I need to order something I enter card info and place order. Once order is successful I remove card. I have no idea why all of a sudden my account is frozen but I want access to items I have purchased. I am being punished by this company for being a victim of fraud

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