BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-24
Company: EQUIFAX, 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 submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3.00} XXXX XXXX XXXX XXXX : {$40000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$49000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX is reporting a debt on my credit file. I did not know I had this debt on my credit file until I checked my credit. I have made several calls to them in attempt to verify the debt and pay it. XXXX  XXXX is stating that the debt is sold, but they can not give me information on who they sold it to because they don't know. Not only are they violating my 30 day right to dispute. I didn't receive any phone calls, notices or letters. But they won't tell me who I can pay the debt to. This is affecting my credit and financing and I need them to remove this 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 2023-10-16
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2020-02-04
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I contacted Check n Go in regards of a Financial hardship and family emergency and I told them l could not pay payday loan for XXXX. 
Also, l wasn't aware of the high interest rate over 40 % and {$300.00} charge on a borrow {$200.00} dollars. 

Check n Go debited my XXXX  XXXX XXXX account ending # XXXX and my account is overdrawn around $ XXXX.and bank charged {$35.00} fees. 
I am respectfully XXXX XXXX and XXXX and on fixed XXXX income. 

Address of Check N Go XXXX XXXX XXXX XXXX California XXXX XXXX www.checkngo.com

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: EQUIFAX, INC.
State: TX
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time 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 2021-02-03
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: Personal information incorrect

Complaint:
I recently viewed my credit report and noticed inaccurate information and contacted Experian to update and correct my person information. After speaking with 2 representatives I was told that they could not remove any addresses and a wrong name from my credit report. I have never lived at the addresses that is reporting on my credit report. The addresses are showing three different states that Im not affiliated with nor have no knowledge of. I would like for these addresses and name to be deleted and removed immediately. 
Please delete to following addresses and name from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX, LA 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 2023-08-10
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:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2020-01-09
Company: UNITED MORTGAGE CORP
State: OR
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Back in XX/XX/2019 my husband XXXX XXXX XXXX and myself decided to refinance our home. We needed a new roof. We applied with XXXX XXXX, A corporation of New York, XXXX # XXXX, Originator XXXX XXXX XXXX. They sent out a notary 3 different times and still, no loan. XXXX XXXX, the loan officer, kept saying the VA was holding up the loan. I called the VA Loan Center, XXXX XXXX and spoke with the Underwriter , XXXX XXXX. The loan had been approved and the lender had FAILED to supply requested documents. In the meantime, XXXX XXXX  via XXXX XXXX kept telling me that the VA was holding up the loan. We had taken out an XXXX dollar loan to put a new roof on our home. XXXX XXXX  's failure to do the loan in a timely and proper manner has caused financial hardship on my husband and myself. We were denied XXXX and {$500.00} dollars a month to pay for the new roof. Not to mention, my husband, XXXX XXXX is a XXXX veteran with a XXXX XXXX and XXXX. This has caused unbelievable stress and hardship. If XXXX XXXX  had done their job, the loan would have been funded months ago. Instead they lied to us and strung us along for MONTHS, 5 months to be exact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: PNC Bank N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I was about to change my bank from XXXX XXXX  to XXXX XXXX. I closed my Visa credit card with XXXX XXXX. There was no outstanding balance. I do not carry running balances. The credit limit was {$18000.00}. 


Shortly after this, PNC Bank sent me an approved Visa Card with an {$18000.00} credit limit. I did not ask for it. I did not activate it. I do not have a banking relationship with PNC. I have since cancelled the card. 

Yet, when I applied for a credit card and requested the same credit limit, I was denied. I checked my credit report and found that, though my credit rating score was about 820, the PNC card was listed. This prevented me from getting the card I wanted from XXXX XXXX ( only a {$3500.00} limit ). 

The banker at XXXX XXXX told me that it is illegal for a bank to send a card that affects my credit without my having asked for it. Them doing so, affected my ability to get the credit I was seeking.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  Account # XXXX, XXXX account XXXX XXXX, XXXX  account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX  account XXXX XXXX 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 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 2022-01-30
Company: Exeter Finance Corp.
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 status incorrect

Complaint:
As of today XX/XX/2022 I have reached out to Exeter finance. I was reaching out because I have been late on paying my vehicle and I wanted to get out of the loan because it seems as if the loan is not going down and I am experiencing loss due to the pandemic as well as other bills piling up. I had reached out to them to let them know what could I do in the mean time until I sold my car, which I had planned to do the following Monday, so that way I wouldn't be to delinquent. I asked the company if my vehicle had entered into repossession status. They had informed me that it had not. So I said okay Ill be okay for the weekend until I figure out what I am doing. Mind you they have all these calls recorded as I started doing after running my credit to get another loan and finding out they had reported a repossession status after telling me they had not. I have the calls recorded with their knowledge, after I had asked AGAIN if they had in repossession after speaking with the dealer they told me they did not and they never did. I am appalled with how they have handled this matter. I am close to losing my mind. They have reported late payments instead of deferments, they have charged crazy late fees, and they refused to provide me proof of the fact that my vehicle was not in repossession status. I have all recorded phone calls. I would like for Exeter to be done. They are leeches. I have had this loan for more than 3 years and owe more than what I originally financed. It makes absolutely no sense whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I filed a dispute with XXXX XXXX XXXX XXXX. file complaint after complaint with no reply. They turn the account over to Portfolio recovery Associates and they never responded to my letter to them as to the account was in dispute and I wrote them 4 times to put this account in dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14
Company: EQUIFAX, INC.
State: FL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14
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:
account number XXXX I have filed several disputes regarding this account and requested a full investigation. i received a response that the investigation was completed and the information was accurate. However I can see this account still reporting inaccurate information on my report, which is negatively impacting my score and hindering my life financially. at this point I feel as if I am being bullied! 

According to the law 15 u.s code 1681i, Procedure in case of disputed accuracy, If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. 

I am not liable for this debt with XXXX XXXX XXXX XXXX. nor did i ever enter into a contract with XXXX XXXX XXXX. They never provided me with the original contract as requested

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-09
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I leased a XXXX XXXX XXXX last XXXX, XXXX in which I've been making payments to Chrysler Capital each month. On XX/XX/XXXX Chrysler received 2 checks for the buyout of this lease in the total amount of the buyout price they submitted to me. On check for {$9800.00} was received and applied to the account. The other check for {$19000.00} was also received, and confirmed to me verbally via phone by 1 customer rep and 1 manager and then 1 woman from the executive offices all within the date range of XX/XX/XXXX - XX/XX/XXXX. None of those people could tell me why my check had not been applied to my account yet. They each told me they would " expedite '' the post but as of XX/XX/XXXX, it still has not been posted nor have any of them called me back as promised. Their customer service has been unprofessional in addition to the mystery as to why they are holding this check, although numerous claims have been made my them that they will post it right away. I'm sure I'll be receiving a bill for interest accrued on an account that should have been paid and closed on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Closed Accounts : XXXX # XXXX ( late payment ) XXXX XXXX XXXX XXXX # XXXX ( late payment ) -XXXX XXXX XXXX XXXX : TransUnion XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-02-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
On XX/XX/21 I checked my XXXX credit score through the account I have on XXXX XXXX XXXX  website. It was XXXX, but it showed me owing Capital One {$62.00} which was false. I owed Capital One nothing. 
I filed a dispute with XXXX through XXXX XXXX and on XX/XX/21 the {$62.00} Capital One balance was removed but my XXXX credit score dropped XXXX points to XXXX. 
There has been no activity at all to have caused that to happen so I filed another dispute with XXXX and I also filed a dispute with Capital One. 
Not only did either company 's representatives not understand the issue, the score remained the same and has not gone back to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I have inquiries on my transunion report. 


Inquiries XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24
Company: Experian Information Solutions Inc.
State: NV
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:
In this month I received my credit report through the annual credit report and there are addresses that I have never lived and I do not know. I called the agency and told them that they are reporting addresses that I do not know and that I have never lived in and therefore had to be removed from my credit since they are affecting my credit and they have not removed those addresses and have not done anything to inform me and that they demonstrate with evidence and my signature that I have lived there if it does not have to be eliminated immediately.

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 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello I XXXX XXXX XXXX, I am submitting this complaint myself no third party involved. 
I have tried to contact Transunion LLC to have them remove the unauthorized inquires on my consumer report with no assistance from the company see the attached 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