BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-20
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: Investigation took more than 30 days

Complaint:
Credit Reporting Agencies and Collection Agencies violated the Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
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 have been trying to get something removed from my credit file. There is fraud going with  XXXX    XXXX    and  XXXX . I have a Federal Trade Commission report now Equifax say I need a police report. from  XXXX     2016 p resent. I have place alerts and freezes. Spoke with  XXXX   XXXX  Fraud department but it still is coming through with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
EXPERIAN KEEPS TRYING TO TAKE MONEY FROM MY CREDIT CARD AFTER I CANCELLED 3 MONTHS AGO, XXXX X6

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 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
The Credit Bureaus stated that my account was properly investigated, but that cant be possible because there are multiple inaccuracies on my report including : Date Opened, High Credit, Date Last Reported, Date Last Active, Date of Last Payment. 15 U.S.C 1681 SECTION 602 A. States I have a right to privacy. 15 U.S.C 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. The following accounts are included : 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 2018-10-31
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
I purchased a brand new XX/XX/2015XXXX XXXX from XXXX XXXX XXXX in XX/XX/2015. My financing is through Nissan Motor Acceptance Corp. My total purchase was {$28000.00} with 18.81 % interest and I have already paid {$19000.00} with only {$4600.00} going toward my principal balance as of today. So my current pay off balance is {$24000.00}. I agree that I did sign the contract because Everything was moving fast, the dealer did not take time to go over the documents, it literally took 10 minutes for me to sign all the paperwork. I feel like I was taking advantage of. I was approved for this loan with a credit score in the low 500s, {$500.00} down making {$40000.00} a year who rented and had XXXX small children. I was a prime target to default on my loan and potentially lose my car and ruin my credit. The dealer nor the bank even asked for proof of income.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: Colony Brands, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The items I bought was clothing and they were to small they had to be send back Thats the way I wanted it I did not want them to resend a bigger size. 
I told them that on emails and phi no r calls that were eventually collection calls The clothes were to small and packed and sent back!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: Experian Information Solutions 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:
XXXX XXXX shows my XXXX credit card with late payments prior to being closed through bankruptcy. The card was under XXXX XXXX  and not a XXXX card.The card was in use thus proving payments not late as we would not be permitted to use a delinquent account.This account was never late but closed through the bankruptcy and payments were made via my XXXX XXXX account to XXXX XXXX   and with much difficulties to tracking at this late date and I only have access to check numbers not to who the check was made out to.If they can supply me with monthly due I will try to locate these payments NOT TO XXXX CARD OR XXXX XXXX!!! 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 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 previously submitted multiple disputes in regards to an unverified collection account placed on my credit report by a company named XXXX XXXX XXXX. From my previous disputes, along with my complaint through CFPB, Transunion removed the collection account in XX/XX/2023, however just placed it back on my credit report on XX/XX/2023. 

Transunion has not justified or provided proof as to why the reappearance of this alleged collection account is back on my credit report. They still have not provided proof of the following : XXXX ) Proof of the original contract with the original creditor showing my wet signature. 
XXXX ) The full payment history from the original creditor. 
XXXX ) The proof of debt assignment showing how and when this alleged debt was purchased. 

Without providing proof of these requested items, I am being taken advantage of and my consumer rights are being violated. I am fully aware that as the credit reporting agency, they have to follow proper verification procedures before placing anything on a consumer 's credit report and Transunion has not provided any proof of these procedures taking place, nor provided any proof of the validity of this debt other than the word of 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 2017-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
My credit was pulled XXXX/XXXX/XXXX because I am in the process of buying a home and I noticed the spelling of my first name was incorrect for TransUnion. 

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 2017-12-15
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: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted all three major Credit Reporting Bureaus and have received the same answers from all of them about credit inquiries. Over the past 12 months I have had anywhere from 60 to 80 credit inquires on my credit reports. Fro some reason this did not set off any potential fraud alarms from any of them. 

I started receiving multiple credit denied letters by the mailbox full and I pulled my credit. I contacted the agencies and I was told they were all authorized and for ME to contact each individual creditor that pulled my credit. WHY? Why should I have to spend hundreds of dollars for something I did not authorize. 

I am a victim of ID theft and two fo the three credit reports are now locked. Yet, I am still getting hard inquiries. 

I am also a VERIFIED victim of the EQUIFAX breach. 

I have TWO valid inquires. XXXX XXXX XXXX and XXXX XXXX. THATS IT OVER THE PAST YEAR

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: Experian Information Solutions 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 went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report.

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 2022-10-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
In mid XXXX, there were repeated attempts by a hacker to access my USAA accounts. My accounts were locked several times, but re-opened each time. 
USAA was aware of the situation and advised that I change my password, which I did. 
On XX/XX/XXXX, I was notified that a request to increase the limit on withdrawals was made, and I declined it. The card was not XXXX belonging to me, or any family member. 
When I called USAA, I discovered that in late XXXX, they allowed someone to add a phone number to my account, and sent them a debit card to access my accounts. The hacker then withdrew {$6000.00} in various amounts from multiple ATMs. 
My primary complaint is that USAA, knowing the situation, gave someone a card to my accounts and allowed them to add a number to my account. The fraud department admitted this on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I contacted all 3 bureaus several times in reference to a XXXX XXXX case on my file and they are still reporting it. It's not mine it's my sons

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 2022-10-01
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 appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 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 2020-07-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Dear CFPB, I have send numerous debt to validate letters to Portfolio Recovery Services. And all they have send me in response is a old bill with my name and address. Which is not efficient to verify the debt they claim is mines. 

They have fail to send me the following : 1. State what the money you say I owe is for 2. How did you come to determine that amount 3. Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe 4. Show me the proof that you are licensed to collect in my state ; provide your license number 5. Provide me with proof that the statute of limitations have not expired 6. A valid, legible copy of the agreement stating the debt and interest charges

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The company is from California so I know no one in that state I live in New York. This caller started in XXXX and calls were every other day. After two weeks I started to notice it was once a day I answered the phone and no one answered. This is now XXXX and I saw it 2 times a day and also in XXXX Now in XXXX three times a day. Today XXXX/XXXX/XXXX they called me at XXXX I answered and no answer. So I got the Number from my phone and called it. It was a collection company. I could not here the name because the woman spoke with an accent. I am not feeling well and I have had enough. I want this harassment to stop as I said they are calling me 3 times a day. The name of the company is called XXXX XXXX XXXX. I just called them again and a man answered I understood him and he said this is an attempt to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
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 appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) XXXX, XXXX, and TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. )

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 2020-07-14
Company: Experian Information Solutions Inc.
State: AR
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:
Every time I get a quote for insurance either I was ineligible, or it was too high. I would always ask what the reason for this and I was always get told that it could be because of my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on this application are not mine. Please remove these items from my report. XXXX  XXXX {$880.00}

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 explanation
Consumer complaint received 2020-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Every time I get a quote for insurance either I was ineligible, or it was too high. I would always ask what the reason for this and I was always get told that it could be because of my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on this application are not mine. Please remove these items from my report. XXXX XXXX {$880.00}

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 explanation
Consumer complaint received 2020-07-14
Company: EQUIFAX, INC.
State: AR
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:
Every time I get a quote for insurance either I was ineligible, or it was too high. I would always ask what the reason for this and I was always get told that it could be because of my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on this application are not mine. Please remove these items from my report. XXXX  XXXX {$880.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
No payments ever was late. XXXX still reported my account as late pay to Credit bureaus. 3 times I submitted documents to Credit Bureaus for correction, and 3 times XXXX reported late pay as accurate. I need your help. My copies of cashiers checks and XXXX 's statement showing exact dates they received my payments collaborate the facts below. ( all supported by attached copies of cashiers checks sent to XXXX and XXXX statement ) * XX/XX/XXXX- XXXX approved forbearance from XX/XX/XXXX to XX/XX/XXXX. 
XXXX payment after forbearance was sent on XX/XX/XXXX ( received by XXXX XX/XX/XXXX ) XX/XX/XXXX - XXXX  Requested documents to qualify mortgage for modification XXXX payment after forbearance was sent on XX/XX/XXXX ( posted by XXXX XX/XX/XXXX ) XXXX payment after forbearance was sent on XX/XX/XXXX ( posted by XXXX  XX/XX/XXXX ) XXXX payment after forbearance was sent on XX/XX/XXXX ( posted by XXXX XX/XX/XXXX ) XXXX payment after forbearance was sent on XX/XX/XXXX ( posted by XXXX XX/XX/XXXX ) XXXX payment after forbearance was sent on XX/XX/XXXX ( posted by XXXX  XX/XX/XXXX ) XXXX payment after forbearance was sent on XX/XX/XXXX ( posted by XXXX XX/XX/XXXX ) XXXX payment after forbearance was sent on XX/XX/XXXX ( posted by XXXX  XX/XX/XXXX ) XXXX payment after forbearance was sent on XX/XX/XXXX ( posted by XXXX  XX/XX/XXXX ) XXXX payment after forbearance was sent on XX/XX/XXXX ( posted by XXXX XX/XX/XXXX ) After multiple request for modifications were denied XXXX asked for the full forbearance amount or short sell or deed in leu ( loose the house or pay full forbearance ) {$50000.00}, to cover forbearance and re-state the mortgage, was sent on XX/XX/XXXX ( posted by XXXX XX/XX/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 2020-07-14
Company: EQUIFAX, 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:
XXXX XXXX XXXX  Credit Card ending in # XXXX Was inadvertently REMOVED from my Equifax credit report Reached out to XXXX XXXX directly to have it REINSERTED on my credit report As of XX/XX/XXXX, it is still NOT being reported or REINSERTED to my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: Experian Information Solutions 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:
There is currently an auto account listed on my credit report that I have no knowledge of and did not authorize. This is a result of an error or due to malpractice.

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