BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
No!!! 
They didn't address none of my issues!!! 
I have police report for the fraudulent use of my personal information. This particular increase did not pertain to me that inquiry range of from XX/XX/2017 to XX/XX/2017. 

This is illegal for anyone to apply for credit using my information. I want proper verification for the use of my personal information. This company has sold my information to a company for profit against my consent ... 

Noting was done to resolve this.. I request probably removal of all increase in this range. Because my information was used illegally ... 

Police Report # XXXX XXXX Police We understand that they do not want to remove because they recieved money for selling my personal information. But I was not informed on the use of my identity. 


Recently received email saying complaint closed. They haven't provided any proof of verification they are just saying they had permission. But if you didn't get information from me personally then it is illegal to sell my information for profit with out my approval, permission, or request. Therefore this information is totally false! 

After speaking with creditors they haven't attempt to even gain the information need to even prove this claim. They just taking it upon themselves to say its verify with no contact to creditor nor any documentation to prove they had the right to sell my information!!! 


I will like to Opt out any promotional programs that they use to sell my information with out my content. Take me off this listing because I've never agreed to this use. 

I demand immediate removal of all inquiries and false accounts from my statement

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 2023-12-17
Company: EQUIFAX, INC.
State: LA
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:
I am writing to dispute certain information in my credit file. The items I dispute are highlighted and enclosed in the attached copy of the credit report I received. 

This letter is a formal complaint that you are reporting inaccurate and unverified information on my credit report. I am very distressed that you have included the below information in my credit file, which contains errors and inaccuracies : XXXXXXXX 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 and I believe this information represents fraudulent activity on my account. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to request the deletion or correction of any information in my credit report that is inaccurate, incomplete, or unverifiable. Section 611 of the FCRA states that if I notify you of a dispute, you must conduct a reasonable investigation and either verify, correct, or delete the information from my file.

Please investigate these matters and remove or correct the disputed items as soon as possible. If you fail to remove these inaccuracies, I will be forced to take further action, which may include legal proceedings.

Please send me a corrected copy of my credit report and notify anyone who has received my report in the past six months of any corrections made.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XX/XX/1994 XXXX

Company response to consumer: In progress
Consumer complaint received 2019-03-30
Company: Receivables Performance Management, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE CONTACTED XXXX  AND ASK THAT YOU REMOVE NEGATIVE ACCOUNTS THAT ARE A RESULT OF IDENTITY THEFT. YOU CLAIM TO HAVE VERIFIED THE ACCOUNTS HOWEVER HOW HAVE YOU VERIFIED THEM AND THE COMPANY CANT EVEN VERIFY THESE ACCOUNTS WITH ME. THESE ACCOUNTS ARE FRAUDULENT AND I HAVE NOT SIGNED ANY DOCUMENTATION AUTHORIZING THESE ACCOUNTS TO BE OPENED. I HAVE NEVER HAD ANY OBLIGATIONS TO PAY ANY NEGATIVE FRAUDULENT COMPANY THAT YOU ARE CONTINUING TO REPORT ON MY CREDIT FILE. I will be forced to pursue legal action if these accounts are not removed. 
XXXX XXXX IN THE AMOUNT OF {$830.00} ACCT NUMBER XXXX PLEASE REMOVE IMMEDIATELY. 

RECEIVABLE PERFORMANCE IN THE AMOUNT OF {$300.00} ACCT NUMBER XXXX PLEASE REMOVE IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: EQUIFAX, INC.
State: LA
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: In progress
Consumer complaint received 2023-04-13
Company: FIRSTBANK PUERTO RICO
State: ME
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
FirstBank, XXXX XXXX, PR This has been going on for 4 months, 7 phone calls, and 3 e-mails. 
They just flat out refuse to get it right. 
At this juncture, I find myself wondering if an employee has stolen the disputed $ XXXX. 

In XXXX, I wrote a check on my LOC for {$8800.00} and deposited it in my local XXXX XXXX It was returned, unpaid, for " signature irregular, '' but charged to my account. 

Upon its return, needing the cash, I wrote a 2nd check for {$3800.00}. It was paid, but NOT charged to my account. 

The result is an erroneous {$5000.00} debt, higher finance charges, and an almost 100 point hit to my previously XXXX credit score. Proof of their error has been submitted multiple times, even including a notarized letter from my XXXX XXXX  proving their error, but the saga continues unabated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
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:
I sent a letter on XX/XX/XXXX to XXXX credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., 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 ( XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$540.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX XXXX : {$360.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance XXXX {$400.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXXXXXX : {$270.00} ; XXXX XXXX XXXX XXXXXXXX Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$230.00} ; XXXX & XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$2100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$630.00} US DEPT ED XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$210.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/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 response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: EQUIFAX, 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:
Im well aware the of pandemic and acts of racism and discrimination that permeate our society. As a person of XXXX who has already sent information that the account isnt mine with identity theft reports I would hope you would take this investigation seriously as you have a duty under Fair Credit Reporting Act. Because you ask me to send my identification and previous discriminatory acts by your bureau I allege that perhaps at the very least you have unconscious bias when Ive already sent proof many times prior. 

Account Name : XXXX Account Number : XXXX **** Reason : Incorrect late payments Instruction : The payment history is incorrect and the account isnt mine. The creditor has removed it from my credit report as they acknowledge the errors. I asked you to do the same. 

Account Name : XXXX Account Number : XXXX **** Reason : Incorrect late payments Instruction : The payment history is incorrect and the account isnt mine. The creditor has removed it from my credit report as they acknowledge the errors. I asked you to do the same. 

Account Name : XXXX  Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX were all on time as they arent mine. Moreover, you will notice a particularly error in your reporting between months XXXX through XX/XX/XXXX where you acknowledged a payment and then reversed it as late. 


Account Name : XXXX XXXX Account Number : XXXX **** Reason : Incorrect late payments Instruction : The payment history is incorrect and the account isnt mine. Instruction : The payment history is incorrect and the account isnt mine. The creditor has removed it from their records as they acknowledge the errors. I asked you to do the same and remove it permanently from my credit report. 


Account Name : XXXX XXXX Account Number : XXXX **** Reason : Incorrect late payments Instruction : The payment history is incorrect and the account isnt mine. Instruction : The payment history is incorrect and the account isnt mine. The creditor has removed it from their records as they acknowledge the errors. I asked you to do the same and remove it permanently from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: Frontline Asset Strategies, LLC
State: OK
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Actions of these dates started XXXX XXXX  and was notified of this matter XX/XX/23. Companies involved and failed to notify me of this debt are FRONTLINE ASSET STRATEGIES and XXXX XXXX XXXX XXXX. I want this to be resolved and corrections on my credit report for which I want the Derogatory Remark off my credit. I was never notified of this debt by either Email, Phone call, or Mail correspondence. This is clearly a violation Fair Debt Collection Practices Act ( FDCPA ) : This act prohibits debt collectors from using abusive, unfair, or deceptive practices to collect debts, and Servicemembers Civil Relief Act ( SCRA ) : for XXXX XXXX, the SCRA provides certain protections for service members in regards to financial obligations and contracts. I am a member of XXXX XXXX and was XXXX to XXXX and XXXX from XXXX. This interrupted my benefits guarantee from the Department of Veterans Affairs and XXXX XXXX which was VA home mortgage loan with the extra benefit that was supposed to be given to me being a XXXX XXXX  Veteran with an lower APR interest than Regular VA Home mortgage loan. FRONTLINE ASSET STRATEGIES has refused to solve this matter even after I settled this amount and paid in full and XXXX XXXX XXXX XXXXXXXX refused to assist to accessing my account due to being closed, However, I did switched to another company and couldnt remember my access code to XXXX XXXX. I hope this message finds you well and I hope there is a resolution for which I was never notified of this debt for the whole 2 years from either FRONTLINE ASSET STRATEGIES or XXXX XXXX XXXX XXXX This has caused a crisis on my credit report and was handled so poorly and neither party was able to accept accountability for not informing me. For a veteran that has served honorably I dont think I deserved this and would like this matter to be solved as quickly as possible, so I can proceed with the transition of purchasing a home. Thank you so much and thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I bought out the lease for my Kia XXXX XXXX in XX/XX/XXXX. I am yet to receive a title from Hyundai Capital America and have called them several times to ask for a status. They keep saying it is pending with NJ DMV and can not do anything to expedite it. The registration for my car has expired and I am unable to renew the registration without the title. The customer service agents ( especially XXXX at XXXX leasing ) are extremely rude and provide no helpful information. This has been pending for almost 9 months now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. 

I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: EQUIFAX, INC.
State: OH
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/2020 I sent a letter regarding in accurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet so my concern seems not a priority. I feel as though Im being taken advantage of as well as ignored of my disputes. Section 611 ( a ), it plainly states that the Failure to investigate these items within 30 days gives a reason to immediately remove these from my credit report its been over 60 days so they should be deleted promptly. I demand these accounts to 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 gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX  closed the account and sold it back to original creditor. Please remove from my credit file. 

See attached letter from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
In response to Wells Fargo 's closure to my complaint ( ref # XXXX & XXXX & ) I'm again very displeased with the lack of accountability and total disregard of the financial harm inflicted on all victims of Well Fargo 's Pick-A-Payment mortgage loan that it so sanctimoniously stands behind and thereby supports. Once more Wells " special '' representative assign to review my complaint called on XX/XX/19 to inform me of her findings and again to my disappointment it was evident that she had investigated for closure rather than for fair and amicable resolve. I had to once again explain that the Modification once approved by then XXXX did nothing to provide any sustainable financial relief, but rather placed my outstanding payments due on the back of the loan with no interest rate or payment relief. When I went on to once again explain that by accepting the so-called " Modification '' the terms forfeited my rights to pursue any legal action ( have supporting documentation ), she seemed unaware and unfamiliar with my complaint and to the degree of Wells legal responsibilities.Please now be advised that I've hired the law firm of " XXXX XXXX XXXX  '' and in correspondence with my District Attorney XXXX XXXX for a full investigation, but keep standing behind this destructive loan product and the unjust decisions that were made along the way.

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 2023-12-17
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Someone tried to open a Sephora credit card in my name. Had issues with bank accounts being opened and someone tried to open a XXXX XXXX XXXX this year. They use my email, name, DOB and SS. They use my Dads address. They sent him a letter saying it was declined because my credit is locked. I alway keep my credit locked because of all the issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I recently viewed my credit report and I was shocked to learn that I have been a victim of identity theft. I found numerous accounts that weren't opened by me. This is hurting me during my process of purchasing a home for my family. Please remove these fraudulent accounts from my credit 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 2021-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
A XXXX XXXX XXXX charge was not authorized in the amount of XXXX dollars that was a deposit. Capital One charged my account for XXXX dollars and every time I call in to dispute the transaction hold/deposit charge they never return the money and they dont take the charge seriously. They also have bounced money transfers within the credit card and auto loan payments I have tried to make always on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I applied an overpayment to one of my accounts, explicitly selecting not to have the overpayment applied to my next installment. Overpayment was still applied to my next installment, and the Navient rep i spoke to online tried to make the case that it was supposed to, even though it was an overpayment explicitly selected to be against the account balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: Affirm Holdings, Inc
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2018 I entered a consumer credit transaction in which I was the creditor and extended credit to AFFIRM INC through my open end credit plan Pursuant to 15 USC 1602 ( g ). AFFIRM INC then disclosed my nonpublic personal Information directly to a third party with out providing me with a notice or opportunity to exercise my right that such not be disclosed. Pursuant to 15 USC 6802 ( b ) AFFIRM INC has used interstate Commerce for the purpose of fraud and are in violation pursuant to 15 USC 77q ( a ) I spoke with several representatives from AFFIRM INC and they have reported to the credit Bureaus ruining my credit worthiness and harming me physically. Credit one bank has taken cash payments in an CONSUMER credit transaction and has used Unfair practices to try to collect alleged debt charging interest and late fees violations pursuant to 15USC 1692f.

Company response to consumer: Closed with explanation