BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-22
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
After my car was repossessed by Triust, I had called explaining the reason for delay in payment was because my previous employer persistently delayed the start date despite the contract saying I would start XX/XX/XXXX of last year. In addition, it has prevented me from trying to get a replacement vehicle and ruined my financial and personal reputations with my landlord.

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 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have 25 inquiries on my credit report that didn't result in myself obtaining financial services from them. As per U.S.C. 1681 sections 602 & 604 I had a right to privacy and no agency can furnish my account without my instructions. These I queries occurred roughly from XX/XX/2023 to XX/XX/2023. 
These inquiries have resulted in my credit score being negatively impacted.

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 2019-08-11
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I'm placing a freeze on my credit with all three agencies - two of the three -  XXXX and XXXX had the freeze in place online in a matter of minutes. Equifax is throwing up consistent roadblocks. First, upon initiating the account setup on XX/XX/2019 Equifax prevented me from logging in - claiming I needed to wait for a PIN in the mail. After receiving the PIN on XX/XX/2019, entering it and seeing the appropriate confirmation screens Equifax still prevented login and forced me to call an online help number. After ~40+ minutes on hold and several minutes on the call the support person sends a password reset link which requires me to wait another 24 hours to be able to attempt to log into my account. The support person then claimed he could implement the credit freeze but then after more time waiting came back to say he would require additional documentation through the mail. This experience makes it clear Equifax does not wish to comply with either the letter nor the spirit of the Credit Freeze legislation by placing multiple roadblocks at every step - hoping consumers will jut go away.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: EQUIFAX, INC.
State: NV
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've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX XXXX XXXX XXXX ( Orig Credi : XXXX XXXX ) XXXX XXXX XXXX XXXX ( Orig Cred : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage XXXX XXXX XXXX XXXX XXXX XXXX ( Orig Credi : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: Perfection Collection
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Original debt was from the security company XXXX, I ordered a security system for my home and was promised a set rate and equipment, i did not receive the proper rate or equipment as well as other perks promised. I then canceled after that and spoke to numerous individuals at XXXX and was told that I don't owe anything. I later found out they put my account into collections, I have spoken to XXXX numerous times to no avail. The debt was then handed over to Perfect Collections, I have also tried to resolve the issue with them to no avail. Perfect collections open the account XX/XX/2017 and just updated the collection. My credit score has dropped over 90 points and this is affecting my credit and purchasing ability tremendously. They are reporting that owe {$1700.00}, I have received many harassing calls indicating that my assets will be seized due to this collection. XXXX has a history of this kind of practice and something needs to be done, they frequently use bait and switch tactics and need to be held accountable for misleading consumers and then turning accounts over to collections once you call them out on what they did not deliver!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: EQUIFAX, INC.
State: AL
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:
XXXX XXXX XXXX XXXX REPORTED TO THE CREDIT BUREAUS THAT MY ACCOUNT WAS 30 AND 60 DAYS LATE FOR THE MONTH OF XX/XX/XXXX AND XX/XX/XXXX, WHICH IS NOT CORRECT, THE ACCOUNT WAS CLOSED AND PAID IN FULL BACK IN XX/XX/XXXX, I NED THE CREDIT BUREAUS TO UPDATE MY CREDIT BUREAUS TO THE CORRET INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Two paid medical accounts from XX/XX/2015 were reported in error and the reporter, XXXX XXXX, agreed to fix asap and tell both CRAs, TransUnion & XX/XX/XXXX, to delete the information. Instead, my credit monitoring services have repeatedly alerted me that my credit scores at TransUnion and XX/XX/XXXXhave dropped dramatically as a result of this mis-information and is currently being reported. 

I disputed the information with XX/XX/XXXXbut TransUnion 's online site will not let me dispute it. I called XXXX XXXX and had them fax me letters documenting the accounts were paid and that the information should be immediately deleted from both TransUnion and XX/XX/XXXX. The documentation from XXXX is attached. 

I want TransUnion and XX/XX/XXXXto delete the information immediately and update my scores.

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 2021-01-22
Company: LD Holdings Group, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a Re-fi with LoanDepot.Com, LLC. The loan number is XXXX. I was told by the loan officer XXXX XXXX XXXX, that based on my credit score of XXXX and my income, I could only apply for {$160000.00}. I have a {$65000.00} equity loan with XXXX, payoff my credit card and closing cost leaving me with only {$84000.00}. My credit report shows no late payments from any reporting agency including XXXX XXXX. Besides, with XXXX I'm only a co-signer, therefore, when loandepot requested to payoff the lease on the vehicle, my son provided documents from XXXXXXXX XXXX that he makes those payment and that the XXXX wasn't registered or paid but I. Everything checked out after reviewing my credit and income. Mr. XXXX asked me to pay a fee of {$800.00} for the appraisal. I specifically told him, that my house will appraise for at least {$800000.00}, to tell me if there are any other issues since the loan it's only 20 % of the appraised value. He stated that once the appraisal comes in we can start closing, in fact, I was even provided with a closing statement. 
He sends the file to the underwriter and after a few weeks pass, he ask me to provide payments to XXXX XXXX. As I mentioned, the XXXX belongs to my son. He did provide all payments but since my son was out of work, XXXX waved 2 months due to the pandemic. These non-payments does not reflect on my credit but now they stating that since there are missing payments I will not be able to acquire the Re-fi I was supposedly guarantee.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Inaccurate information on my credit report XXXX is refusing to take off the negative information and investigation team is not doing their job. My bankruptcy is zero owe and zero claim.counts are fully paid off and never been late.

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 2020-03-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I took a Line of credit through XXXX XXXX  in XXXX of XXXX. My suddenly passed away in XX/XX/XXXX. I was concerned that I needed assistance to resolve his debt .so I contacted Citizens Bank came forth and offered to pay off my debt. I made an attempt to reduce the principle balances by paying extra monies. Citizens Bank then advised me that I would have to request the application on the check that I send monthly reduce the principle balance by paying extra on the principle payments. When I noticed that the balance was not reducing. It was being applied to the interest only. I am now faced with the possibility of not having the payment that have been made in the past 2 years not being applied properly

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
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: Information belongs to someone else

Complaint:
SOMEONE USE MY IDENTITY AND OPEN CREDIT CARD ACCOUNTS AND BANK ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  XXXX. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

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 2021-04-27
Company: Experian Information Solutions Inc.
State: FL
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:
I recently wrote you on XX/XX/2021 in regards to erroneous items on my report and I have yet to here back from you. It's been well over the 30 days, and as stated in Section 611 ( a ) of the FCRA, failure to investigate disputed items within 30 days leads to deletion of items. I'm looking forward to these disputed items to be deleted immediately or I plan to file litigation for the stress that's been caused against me. My information was also impacted by the XXXX Data breach, and may have got into the wrong hands and person.

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 2020-05-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax ; XXXX and XXXX are incorrectly reporting an account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this issue however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
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:
Please help assist me, I have already tried addressing and requesting verification and validation and I do not even get a response back from the creditor nor the credit agencies. There are very old student loans back from 2014 in which were paid off and reporting inaccurately. I was never past due and just this year saw how they are reporting on my credit file. The information is inaccurate and false. 

There are six accounts total reporting and they all are listed DEPT OF EDU / XXXX XXXX I never had six loans total there are also duplications. Please help

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 2020-05-26
Company: EQUIFAX, 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:
I previously notified Equifax that I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
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 fraud alerts or security freezes

Complaint:
I went to the FTC to inquire instructions for instructing each of the big three to establish credit freezes for my wife and myself following the XXXX breach. I called each of the three numbers given on the FTC web page instructions : XXXX XXXX Through voice instructions was able to enter and confirm by SS # and ZIP code and then was told they could n't freeze my account. 
Experian : XXXX requested a security free and through voice instructions was able to confirm SS #, DOB, Zip and first 3 numbers of my home address - they informed me they could not place a freeze on my credit file - I had to submit a written request. 
XXXX : XXXX requested a security freeze, supplied SS #, DOB, Zip Code then was sent to a buzy tone and disconnected.

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 2020-07-17
Company: EdFinancial Services
State: MA
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 see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
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:
XXXX ; Experian and XXXX are incorrectly reporting an account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this issue however, I have not been successful.

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 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 want you to remove the following inquiries as these are violating the FCRA 605B of the U.S. Code 1681C-2

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 2017-09-22
Company: Navient Solutions, LLC.
State: KS
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX, I paid Navient in full with my Savings account. As of XXXX, they 're claiming that the payment was never processed, which is a lie by committing fraud. I received an email notification of confirmation of the {$1400.00} that I paid them on XXXX, and on XXXX, their website said was received.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: General Motors Financial Company, Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX we signed a JOINT ( husband and wife ) 36 months lease for new Chevrolet truck Silverado 1500. 

We received TWO separate letters dated XX/XX/XXXX stipulating the terms of the lease. Fortunately the TWO letters referenced the same Lease #. 

On XX/XX/XXXX, we received TWO separate billings, one for husband and one for wife. It is important to note here that the due date is the 3rd of each month and the payment must reach GM Financial in XXXX, AZ XXXX. Distressed, we called GM Financial at XXXX on XX/XX/XXXX. We were told by GM rep. that they made a mistake in setting up our lease on their system. We were assured that it will be corrected and that we will receive payment coupons in a proper time frame to be able to make the payments on time. On XX/XX/XXXX, we sent a certified letter to GM Financial Leasing XXXX XXXX XXXX, XXXX, TX XXXX demanding correction of our records. We also sent, on the same day, separate certified letter containing our payment for the XX/XX/XXXX installment and demanding 1 ) combining of our names on the payment coupons and, 2 ) stoppage of sending us double billings for the same lease, 3 ) booklet containing payment coupons for the lease. We kept repeating the same requests with each subsequent monthly payments To make sure we also filed the same complaints on the GM Leasing web site XX/XX/XXXX, then again on XX/XX/XXXX and again on XX/XX/XXXX. 

The only response we received from GM Financial was an e-mail of XX/XX/XXXX from XXXX XXXX responding to our Survey of " dissatisfaction '' that we completed before advising us that we better pay our bills on the Internet to avoid double billings. Another change we noticed was that for the XX/XX/XXXX billing they sent us only one billing for the husband but no change reflecting JOINT ownership of the lease. The bills from GM continue to arrive FIVE days before due date. As a side note, it takes approximately 7 days for the US Post Office to deliver our payments from our location to GM location in Arizona

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX ; XXXX and Transunion are incorrectly reporting an account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this issue however, I have not been successful.

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 2022-01-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
We recieved a collection notice from XXXX XXXX. I have called several times asking who opened a Capital One credit card in our company name and have been hung up on 3 times without any solution. We are positive this is a fraudulent account and want help resolving this issue.

Company response to consumer: Closed with explanation