BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 an inquiry from XXXX XXXX XXXX but I never applied for XXXX XXXX ... I have a XXXX account but never applied for their credit card. I have reached out to them on at least 2 occasions and sent a letter to TransUnion because TU does not allow you to dispute inquires online. They say they are investigating but this occurred on XX/XX/XXXX and I called to complain only days after. They did not give me case number the first time I called but they did the second time : 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 2017-09-25
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have been trying to implement a credit freeze through Equifax for over a week. The only two options I have been supplied with are through an automated call service and an online portal. I have tried both methods multiple times and each time the system said it was unable to complete my request, in spite of the fact that I followed all of the steps and supplied all of the correct information provided. 

When I called their support line, they would not provide me with a number to contact anyone in Equifax who could verify the freeze or could help me resolve this issue. Twice the customer service rep simply hung up on me. 

I was able to enroll in their Identify theft program but even on that site, it shows that there is an error on my account. There is a customer service number listed but when I call, I only get the signal indicated the number does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: Coastal Credit, LLC
State: IN
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 Coastal Credit ( inquiry XX/XX/XXXX ), XXXX  XXXX XXXX ( XX/XX/XXXX ), and XXXX. I let each of these companies know that I did not recognize the inquiries that THEY placed on my credit report. I asked each company to provide me with a written consent from me indicating that I agreed to the credit inquiry. After several hours on the phone getting nowhere with each of these companies and getting the runaround, I decided to send a formal letter to them ( each letter is attached ). I have found that most of the companies that are reporting information out on my credit report are receiving their " inquiry '' from a 3rd party and are not the actual furnisher of the data. This fact makes it even more imperative to see the written approval with my signature.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX A XXXX, CA XXXX ; XXXX XXXX XXXX Balance : {$96.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX 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 2023-05-16
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Apple Card they just randomly closed my credit card with no explanation no warning and they said they cant reopen but my credit score is above XXXX nothing wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: Receivables Management Partners, LLC
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call me every other day 3 times or more a week. I have called them several times explaining I have not received and I will handle it when I get a statement.They said they sent it but I have not received it. This has to stop they are rude to me and arguing with me and hanging up on me so I have stopped answering the calls.Harrassing me will not get this bill taken care of. I have been very patient with this company but this has to stop. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt does not belong to me. I've asked them 5 times to validate it, and they can not. 
I asked them to show me where I signed to open this account they said they don't have anything to prove. They have nothing providing this account is mine I lived at XXXX XXXX XXXX XXXX  Ny XXXX at the time they said debt occurred.

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 2023-08-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am requesting that you verify this debt and provide me with documentation that proves that I owe it. I am also requesting that you remove this debt from my credit report if you are unable to verify it. 

I am aware of my rights under the Fair Credit Reporting Act ( FCRA ). The FCRA gives me the right to dispute inaccurate or incomplete information on my credit report. If you are unable to verify this debt, you are required to remove it from my credit report. 

I would appreciate it if you could investigate this matter and take the appropriate action. I look forward to hearing from you soon.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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/XXXX, XX/XX/XXXX and XX/XX/XXXX I sent certified letters requesting the removal of a US Bankruptcy from my Credit Report. I am protected by the FCRA laws and guidelines which protects consumers from misinformation being used against me. The credit bureau is not in compliance. I have asked for them to send me a copy with my signature giving my permission to report this on my report, or documents from The US Bankruptcy Court. In reply they have sent me letters stating my account has been updated which there has not been any change whatsoever nor have I received any proof of documentation from anyone.

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: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-21
Company: ALLY FINANCIAL INC.
State: MI
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:
I disputed inaccurate information about a 30 late payment in XX/XX/2020 with Ally Financial ( Account number # XXXX ) on my XXXX  credit report ( Report Number XXXX hard copy ). The results of XXXX  investigation appears to have updated my credit report ( which has a different report number of XXXX ) now showing that a 30 day late payment occurred in XX/XX/2020. 

This poses many questions and problems at the same time. Why are there multiple credit reports? This appears to be very deceptive. For XXXX  to change what was initially being reported as accurate on my credit report ( 30 day late payment in XX/XX/2020 ) means that they were knowingly reporting inaccurate information which is a violation of the FCRA which should have resulted in the deletion of this 30 day late payment. 

How could XXXX  report this late payment as accurate and upon my dispute change the month they said was correct initially to an entirely different month. 

Ive had trouble with getting this resolved with Ally Financial and on their online account system it shows that 2 payments were made in XX/XX/2020 but they claim that they dont see that and its their system. Multiple phone calls, emails and letters have gone unresolved. They put the burden of proof on me to validate something that is listed on their website ( see attached ). 

As a consumer and taxpayer, I feel as though Im helpless against these credit bureaus and companies like Ally Financial who report inaccurate information and are not held accountable for it. 

They can damage my credit profile with no repercussions. Its not fair at all.

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 2021-02-24
Company: CORELOGIC INC
State: NC
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 was an illegal inquiry/pull of my credit report by XXXX XXXX in XXXX. Corelogic is displaying illegal and allowing illegal use of my credit report. I don't have and never had account with XXXX XXXX or giving anyone permission to pull my credit report or put anything on it which is supported by attachments. Even after XXXX XXXX sent letters that acknowledged this XXXX  and core logic continues to display illegal innacurrate information. Information remains on report in relation to illegal inquiry. Also corelogic stated that I requested a fraud alert and also that they sent me a letter. That is absolutely false. I already had fraud alerts and blocks on my credit report because of fraudulent activity. They never sent me a letter, they just using that to cover there XXXX. My name, social security number, and address has not changes ever. All the same. All documents have been attached including XXXX acknowledgement of illegal account and the request to delete it from XXXX  corelogic, false statements made on behalf of corelogic and fake letters they said they sent.

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 2019-02-26
Company: Internal Check Systems, LLC
State: WA
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 recently asked Chexsystems Consumer ID : XXXX .for my consumer report because i applied for 2 credit unions and was denied due to the contents of my report. I know i had nothing negative on my report so I was surprised when those Credit Unions turned me down for membership no thanks to a credit lookup they did on my Chexsystems report. Apparently there are 2 inquiries that are past 2years! Credit repositories are only supposed to hold inquiries for 2years. Credit inquiries are required by law to remain on your credit reports for 2 years. 

1 ) Inquirer : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX 2 ) Inquirer : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX. 

The list of following Inquiries are ones I dont recognize at all! and I didnt authorize to pull my Chexsystems report. Per FCRA 604 To my knowledge, I have not signed any documents authorizing these organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.. Either Validate this data with them which i assure you they WONT BE ABLE TO! or delete the following as soon as possible as it has hurt my ability to obtain credit and goods both which are punishable by federal law. 
1 ) UNKOWN Inquirer : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX 2 ) 1 )  UNKOWN Inquirer : XXXX Bank XXXX Date : XX/XX/XXXX 3 ) 1 ) UNKOWN Inquirer : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX ) UNKOWN Inquirer : XXXX XXXX Inquiry Date : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Untimely response
Consumer complaint received 2020-01-31
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My student debt is under {$20000.00}, however Navient is claiming its over {$50000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX XXXX continues to report my account late monthly to the various credit agencies. 

The student loan account was charged off and I was told would be sent to a collection agency. The agreement was that to avoid being sent to a collection agency, I can pay XXXX XXXX the monthly agreed upon payment directly at a reduced interest rate. 

Ive been paying them approximately {$200.00}, as agreed, monthly over the last two years, never late during that time. However, XXXX XXXX has been reporting my account late every month with the credit bureaus reporting the account as failed to pay. 

Ive included a copy of the Experian credit report which reflects the current balance of {$35000.00} ( original balance of {$33000.00} ). There is a past due listed if {$9300.00} which is not consistent with any communication provided by XXXX XXXX. 

The repayment terms are 235 months. 

The current monthly payment of {$200.00} across 235 months at 0 % interest, clearly indicates that it more than pays for the debt over that period of time. As such, the reporting to the various credit agencies is incorrect. The account should be reported as current - in repayment - paid as agreed. 

Experian previously removed the account for a month based on my dispute but they started to rereport as of last month. I would like for this account to be reflected correctly on a monthly basis as paying as agreed or removed from my credit report permanently with no future reporting. 

Thank you, 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 2022-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent a billing error notice for an erroneous account that is being listed on my both my XXXX and Transunion credit reports which they received on XXXX XXXX, XXXX via certified mail. It was not a dispute but rather a billing notice that the account is in fact not mine. Within the packet that I sent to both, it included the Billing Error Notice along with Exhibits explaining how the account is not mine. I havent gotten any results via mail from them but rather XXXX is only notifying me on the website. When I checked their site the other day the notification said my results were done but the account is still being listed on my consumer report as of XXXX XXXX, XXXX. I already reported TransUnion and they said it was deleted from my account but has not been yet.

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 2018-02-27
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
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 a hard inquiry on my credit report dated XX/XX/2017 from TMCC. I don't know who this is.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXXXXXX XXXX  withdrew {$600.00} from our account with counterfeit checks that were altered from an original check that we gave to a family friend 's son for his birthday. Check number XXXX was written to a XXXX XXXX for {$50.00} for his birthday on XX/XX/2022. When my wife checked our statement dated XXXX she discovered that check XXXX which had already cleared in XXXX of 2022 for {$120.00} to XXXX XXXX XXXX XXXX cleared again for {$50.00} on XX/XX/2022 to XXXX XXXX XXXX XXXX The check number had been altered and the date on the check had been typed in rather than handwritten like the original check. 

As she continued to balance the checkbook, she discovered check number XXXX also dated XX/XX/2022 had cleared for {$500.00} and check number XXXX dated XX/XX/2022 had cleared for {$50.00}. We are still using checks in the XXXX to XXXX range and have not even ordered checks in the XXXX range. Once she reported the fraud to me, I immediately filed a police report and filed a fraud complaint with Fifth Third Bank. Fifth Third Bank has denied the fraud and refuses to refund our money due to these counterfeit checks and their lack of security measures to protect customers. Fifth Third Bank is a disgrace for treating law abiding customers in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: EQUIFAX, INC.
State: NC
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:
privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX # ( XXXX ) XXXX XXXX XXXX  # ( XXXX ) XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
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 received a potential fraud activity from accounts being opened in my name through Equifax and XX/XX/XXXX on XX/XX/2019 and XX/XX/2019, that I did not speak to someone on these matters, I am a victim of identity fraud so I'm not understanding how was the system able to move forward with hard inquiries without calling me considering there is a phone number stated on all 3 of my credit files to contact me before any credit is being issued and this did not happen. So please explain Equifax and Transition how did this happen how are these creditors able to put hard inquiries on my credit report without contacting me here are the inquiries as followed : on XX/XX/2019 received a fraud activity alert from Equifax for 4 accounts -XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX received a fraud activity alert from XXXX  on 1 Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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