BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-15
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: Their investigation did not fix an error on your report

Complaint:
I have a XXXX XXXX  on my credit report. I have disputed many times with the credit bureau and ask for verification that this debt belongs to me, All the credit bureau sends back is payment history which I did not ask for that. I ask for what is the method of verification the credit bureau has been using. How did the credit bureau determine that this debt belongs to me without no verification. 

This charge off collection is reported completely under a different name that is attached to my credit report. My full name is XXXX XXXX XXXX. I want this charge off to be removed. The credit bureau also went ahead and close a charge off account

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 2020-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX, Transunion and XXXX  are reporting an account with XXXX XXXX XXXX that should have been removed due to the 7 year rule.

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 2020-12-13
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
No less than 5 times a day i receive phone calls from theaw 2 numbers. 
I have received over 28 calls in the last 96hrs. They start xalling me as early as XXXX and the last call is always after XXXX PST. 
The 888 number is a robo caller and the XXXX  number is a live representative. 
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 2021-04-09
Company: Valley Collection Service, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
File # XXXX of TransUnion was suppose to update information for the XXXX XXXX account. The account shows bal {$650.00}. That is incorrect. The XXXX XXXX account is at {$0.00}. I submitted a request to TransUnion to update the account. It states on the website it was updated XX/XX/2020. You can verify the attached download information-page 2 ; but, it was not.

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 2023-02-24
Company: KLS Financial Services, Inc
State: MS
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:
This company refused to provide me with any documentation where i XXXX XXXX gave KLS FInancial Services permission to create an account using my personal information. I asked several times, & i was ignored each time. This company is truly becoming a problem. They are hindering me from being able to provide for my family and its really taking a huge effection on my health.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax ; XXXX  and XXXX  should not be reporting lates in XXXX and XX/XX/2020 on the XXXX XXXX partial account number ****XXXX. ( Please see pages attached from my credit report. ) I contacted the lender and make specific arrangements for deferred payments due to my inability to pay during the Corona Virus Pandemic. I was assured by the representative that I spoke with that I would NOT be charged any lates and that no lates would be reported on my credit report. Unfortunately, they did not keep their word on our payment arrangement and reported the lates to the bureaus any way. This false reporting of lates is seriously harming my credit score and these lates need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX**** Balance {$13.00} XXXX XXXX Balance : {$78.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}

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 2023-06-13
Company: EQUIFAX, INC.
State: GA
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. 


Account name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-08
Company: Valentine and Kebartas, Inc.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
We owe {$960.00} on a XXXX XXXX charge card ... it is now placed with the agency of Valentine Kebartis office and I have set up payment arrangements by ck on the XXXX of every mon ... They called me 16 x between XX/XX/XXXX and XX/XX/XXXX. I explained that I have payment arrangements made but they say because I send a check and not do a scheduled payment arrangement when they control the payment I must get this calls because their computer doesn't recognize a payment mailed in??? It is abolutely ridiculous how rude the lady was that I spoke with. 
Their number is XXXX I have blocked them from calling me Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$250.00} XXXX XXXX XXXX  XXXX Balance : {$320.00} XXXXXXXX XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX  XXXX Balance : {$950.00} XXXX  Inquired on 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 2022-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
My information was used by an individual in XXXX XXXX  that tried to get a auto loan XX/XX/22. The dealership ran the credit app againts 5+ different institutions. I have locked all my credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: Guild Mortgage Company LLC
State: AZ
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:
I got a call from XXXX XXXX with Guild Mortgage, stating that I needed to redo my refinance. I questioned him because I had just finished my refinance three months prior with with Guild, and he wasnt my loan officer. He told me he was taking over for my loan officers workload and advised that my file had been audited. He told me the refinance would be at no charge to me because they had messed up on the refinance and the it would benefit me cause I would've getting a lower rate. I told him I had concerns with my credit and didnt think I would qualify any longer because my credit score was now under 580. XXXX advised not to worry because they would have to pay for all the fees even for the credit repair. I didnt feel comfortable with his answers and didnt understand what he was telling me, I talked to my prior loan officer who no longer works for Guild to see what the problem was. I advised I would give him a call back the next day.

My prior loan officer confirmed that my loan had been audited, but when I advised him that my credit score was below 580, he told me they may not be able to do the refinance because of that. I sent XXXX a message letting him know that I was willing to help get the refinance completed. Then I saw there was a credit check done a couple minutes after I had gotten off the phone with XXXX the previous day. I did not give consent to pull my credit report because I had concerns with my credit score. Since XXXX has pulled my credit I have tried numerous times to call and email to get a response from him on what was going on and why my credit was pulled. In my attempts I have only spoken to his assistant XXXX. She advised he would be giving me a call back and to this day I have not received a response email or a response call from XXXX. To me it feels like he pulled my credit even though I advise I had concerns with my credit, to find out my credit wasnt in the shape it needed to be in order to do the refinance. XXXX was not listening and his only concern was to get the audit cleared on my file and wasnt listening to me when I said my credit wasn't where it should be. I didnt understand why my file needed to be redone and what he was asking me. He was confusing and not listening to me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Advanced Resolution Services Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: EQUIFAX, INC.
State: LA
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 got account an inquiries that are inaccurate and need to be removed from my report asap!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SSN : XXXX DOB : XX/XX/XXXX Re : Creditor/Debt Collector Amount Owed This letter is in regard to a phone call I placed to your company regarding the accounts listed on XX/XX/XXXX ( calling asking for a legal debt validation ). I called to inquire about these accounts that are listed on my Credit Reports. I spoke to a Customer Service Representative. 

She informed me that she was unable to provide me any legal documentation proving that any of the following accounts are legally valid : XXXX XXXX {$18000.00} XXXX XXXX XXXX XXXX {$5600.00} XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX {$18000.00} XXXX XXXX XXXX {$3600.00} XXXX XXXX/XXXX {$0.00} XXXX XXXX - XXXX {$1300.00} How did you investigate this account without any documentation? You havent provided me with anything not even an account number. Its incredibly frustrating because it affects my ability to get a place to live and a job. 

I need this debt validated or remove all information regarding this account from my credit reports. I am not requesting a copy of the credit report. I am asking for proof that I opened the accounts because they arent mine. They belong to someone else. 

If this incorrect information is not removed from my credit reports within 30 days, I will file suit against your company for violating FCRA section 623. I am including a copy of this letter to my attorney. 

I only wish to communicate via mail. Please do not call me. 


Sincerely, XXXX XXXX XXXX Cc : 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 2018-04-16
Company: Regional Management Corporation
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have a personal loan with XXXX XXXX in XXXX, SC. This loan originated at the XXXX, SC branch on XXXX XXXX XXXX. The original loan amount of {$5500.00} with payments of XXXX that started XX/XX/XXXX. I have been having to pay {$240.00} a month because they want to " round '' the payment up but I am not seeing where the extra principal is being applied to my account. Last XX/XX/XXXX my payoff balance was {$3300.00} and now they telling me it is {$4100.00}. I pay ahead in large sums of {$1500.00} which covers 5 -6 months of payments. I now find out they have been charging interest for the months that are covered. When I log into my account online, my balance is {$5100.00}. I am tired of being deceived of this account balance. I have to call every month to get a " payoff '' amount that is more true because I can't keep track on my amortization schedule of the payoff amount. they call me every hour even though I am not late. I feel they are in CFPB violation of lender laws by not being transparent of my account balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: JPMORGAN CHASE & CO.
State: NJ
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:
Request for a check refund not a credit refund from Chase credit card Hi, I have a chase freedom unlimited credit card, which I used to purchase a concert ticket ( XXXX - XX/XX/XXXX ). Concert was canceled so they refunded me - {$630.00}. This refund was initiated XX/XX/XXXX. I checked Chase website for their refund policy - see link and attachment. And to make sure I can get a check refund instead of a credit refund, I called Chase to confirm - the lady said yes, when you see the refund in your account, just call us so we can issue you a check. 

this is the link where it says - I can request for a check refund and attachement as well : https : //www.chase.com/personal/credit-cards/education/basics/how-refunds-and-returns-work-on-credit-cards XX/XX/XXXX came, refund came but Chase did an auto credit refund. I called 3 times and even requested for a manager - they said we can't issue you a check refund because you used the credit card and you have a balance. No manager was available ( since it was covid ) and no one tried to call me even if I requested for it. 

I called them again today - XX/XX/XXXX, spoke to 3 people - including a manager ( XXXX ) - He said there are no options to send a check refund because I have an outstanding balance. He said it is a system thing and that's how credit cards work.I have nothing against the employees - but this is a different scenario - My question here is. Why did they put it in their website that they can issue a check refund as an alternative? Can't they make an exception - with what is going on in the world right now? They should be able to override this. Chase is not a tiny credit card company. 

Really Disappointed, XXXX P.S. I have a very good credit score and I am not a difficult client of Chase. Before this happened, I was ready to open a bank account with them - now? - no thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
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:
About 2 months ago, I asked XXXX XXXX why my score dropped 29  points. 
My one delinquency was a year old. Already had been dinged. 
Was told to contact Experian. 
After I created a dispute to find out why my score was 29  points higher in their system, They emailed the research was complete. 
My score went to XXXX or higher, in a few days, on all 3 credit reporting agencies.

A few days later, fell 61 on all 3. 
Phoned Experian. They could not explain why. Told me to contact FICO.

XXXX  said they couldnt give me an answer.

My annual credit report only shows the one delinquency.

My score dropped another 4 points in XXXX. 
XXXX XXXX site shows a negative I have too much on my accounts. It's been XXXX for a year or more. I, this month, left {$120.00} balance only because another negative item was not enough balances. 
XXXX XXXX, now, shows I have a higher score than the Experian site. XXXX says they use Experian. 

Account Summary FICO Score XXXX as of XX/XX/20 XXXX XXXX credit rating : Excellent FICOScore | FICO Score XXXX| Experian Data Score range : 300 850| Updated Monthly Planning & Tools Visit the Smarter Credit Center View My Retirement Plan Calculate Debt-to-Income Ratio Your Score Factors Your Score History Credit Reports Credit Education FAQs Factors affecting your current FICO Score Congratulations! Your XXXX XXXX credit rating is Excellent based on your current FICO Score. 
These key factors may reflect your credit information as reported in your credit report. They're for informational purposes and while these factors are present in your credit report, they may not significantly impact your current score. 

Number of accounts with delinquency No recent revolving balances Proportion of loan balances to loan amounts is too high Time since delinquency is too recent or unknown Too many inquiries last 12 months

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