BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I am writing to dispute the inquiries referenced below and demanded verifiable proof bearing my electronic signature. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604. This action was initiated without any proof from any of the companies reporting. These inquiries are not accurate since I never authorized them. The FCRA requires Credit bureaus to follow up and investigate those inquiries in question and remove. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act sec 604 as well as a violation of my rights to privacy. Please contact the listed inquiries and investigate such occurrence and remove immediately for non-compliance. Under the laws of the FCRA,XX/XX/XXXX is required by the FCRA to follow up with the creditor.

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 2022-02-07
Company: EQUIFAX, 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:
Equifax, XXXX, and XXXX are deliberately reporting inaccuracies on my credit reports. I've disputed the claims and their fraudulent merit, yet these bureaus continue to disregard the hard evidence. I demand an original contract with my XXXX XXXX on them, or immediate removal of all disputed claims. I'm strongly considering litigation this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: CITIZENS FINANCIAL GROUP, 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:
I upgraded my XXXX  through the XXXX XXXX  XXXX  offered by Citizens Bank a few times over the past year. It is my experience that opening a new XXXX XXXX  XXXX  loan would result in a soft credit inquiry, which provides Citizens Bank access to my credit report information, but such inquiry is not visible to any other creditors, and would not have any impact on my credit score. I have also been advised by a representative of Citizens Bank that when upgrading an XXXX already part of the XXXX XXXX XXXX, a credit check is not performed at all ( no soft or hard credit inquiries ) as it is considered a renewal of the loan based on credit already extended using previously acquired credit information. Unfortunately, during the upgrades on XX/XX/XXXX and XX/XX/XXXX, a hard inquiry was placed on my XXXX credit report, causing an impact to my credit score. Im requesting such inquiries be removed from my XXXX credit report ( and other credit bureaus if any were affected. )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
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: Account status incorrect

Complaint:
Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : 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 2022-07-10
Company: Experian Information Solutions 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:
Experian is in deliberate violation of the FCRA regarding reporting 100 % accurate information on my credit report. On XX/XX/22 I contacted Experian regarding public records still reporting on my credit profile as of date. Experian 's data furnisher XXXX has completed corrected and removed this data and also notified Experian of this update. However, Experian has ignored this an continue to be in violation and report this inaccurate data. I opened another dispute in an attempt to resolve on XX/XX/22 and they closed the dispute the same day stating the item remains ( in spite of )

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 2017-08-16
Company: General Information Services, Inc
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XXXX XXXX, 2017 I applied for a XXXX XXXX position with XXXX XXXX XXXX XXXX XXXX in XXXX, Utah and told the HR Manager that I did have XXXX XXXX from 9 years ago. On XXXX XXXX, 2017 I received my background report from GSI ( General Information Services ) and on the report they had listed my charge as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( on page 3 ) which is the correct charge but on page 2 under grading results they had grouped it with XXXX XXXX. I immediately filled out the dispute form stating that no where in my record was there anything close to XXXX. On XXXX XXXX, 2017 I spoke with XXXX XXXX about the dispute and she told me that there was nothing GSI could do about the grading results, she said that XXXX groups like charges together. I told her that the charges were n't even in the same category and that I wanted it removed immediately, to me this is defamation of character. She basically told me that it did n't matter that I and XXXX 's were the only ones that would see this, I still told her that this was unacceptable and that it was sent on GSI 's company letterhead and so therefore I would hold GSI responsible. On XXXX XXXX, 2017 I received another letter from GSI stating that they had not changed anything on my report. I can understand not getting the job due to the charge but I refuse to have my charge grouped in with anything like XXXX. I feel that if they did this to me they are doing this to others and it 's not right. I have contacted several agencies and they agreed that I needed to file a complaint. I sent all of my court papers to GSI in my dispute letter and feel that they are responsible of a gross injustice by grouping the charges where they are so different. I believe that they should be held legally responsible for defamation of character and they need to be investigated for false reporting and should n't be allowed to group such different charges together. I take ownership of my past but refuse to have anyone accuse me of something such as XXXX 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 2017-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On Tuesday, XXXX XXXX, 2017 Bank of America was used as an intermediary bank for an International Wire Transfer from the US to XXXX. The wire transfer amount is for {$15000.00}, a {$78.00} InternationaXXXX wire transfer fee was paid to the XXXX XXXX XXXX XXXXXXXX XXXX. A huge amount of emails and phone calls between us, the Students from XXXX, the Banks have take place in order for the banks to honor the wire transfer. As of today Wednesday, XXXX XXXX, 2017 the wire transfer has not been completed. The students from the XXXX XXXX XXXX XXXX have spend a great deal of time in order to solve the problem because the wire transfer has never arrive in XXXX. We have inspected all the paperwork with wire transfers instructions and there are no mistakes at all, therefore we do not understand the reasons why Bank of America is holding the funds and are not sending it to the beneficiary. We have been told by the XXXX XXXX XXXX XXXX XXXX that the funds are no longer in the student checking account and the entire amount was forward to the intermediary bank. The funds are use to paid for transportation, lodging, food, etc for the XXXX XXXX veterinary students in XXXX. The entire group of students will depart tomorrow back to the US Thursday, XXXX XXXX, 2017. They provide free veterinary services for the rural poor in the XXXX XXXX located with in 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 2017-09-08
Company: EQUIFAX, INC.
State: MD
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:
My information ( including social security number, DOB, name, and more ) were affected and exposed by the recent hack on Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12
Company: Summit Financial Corp.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been requesting validation of debt for a collection from on my XXXX and XXXX   credit profiles since earlier this year of XXXX from Summit Financial account # XXXX. On either time of my validation requests has Summit Financial provided me with a signed contact. Approximately 2 months ago I fike A complaint via the CFPB reference never receiving the proper documentation reference said accounts public auction being held which wouldve allowed me the opportunity to recover said vehicle and the credit bureau XXXX advised they would provide proof via mail within 10 days, which they did not. What they did send me ( documents dated XX/XX/XXXX ) was an updated version of my credit report which indicated that they had modified the comments to a Chrage off with a fixed rate. They never provided with the documents I requested. Now moving forward I requested an early exclusion via XXXX in XX/XX/XXXX for said account and Summit Financial has now moved my date of delinquency from XX/XX/XXXX to XX/XX/XXXX. Because Summit Financial not XXXX XXXX XXXX has provided me with the legal documents of a signed contract As per the FCRA during my validation requests I am requesting that this account be removed from my XXXX and XXXX   credit profiles. Id also like to add that prior to qualifying for the early exclusion via XXXX and XXXX I was successfully able to remove Summit Finacial from my XXXX   credit profile via an early exclusion request as XX/XX/XXXX. It appears that Summit Financial is intentionally attempting to further harm my credit profile and my credit score by refusing to provide me with the documents the FCRA states that Im legally entitled to once validation is requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12
Company: Harris & Harris, Ltd.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been called repeatedly by a recording from " debt collectors '' named Harris and Harris, wanting me to call their number. This occurs every few days for the past year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/2022, I applied for a private party auto loan with XXXX XXXX XXXXBB & T dba Lightstream ) for {$15000.00}. I submitted my personal credit profile ( including SSN ), info about my income, etc. so that they can evaluate me for a used auto loan. 

They denied me although my credit is strong, I have no negatives, no collections and very strong income ( $ XXXX ). 

When I went to ask them why they denied me, they said that it is an unsecured loan ( meaning higher risk ) and that they couldn't approve me for the unsecured loan. 

If I wanted an unsecured personal loan, we live in the U.S.A. ( there's something for EVERYONE! ), I would have made that query. 

I have XXXX too. 

My query was for a SECURED private party used auto loan. Why does their website call it an auto loan when it's actually unsecured? 

They say it's unsecured so they can view things as higher risk ( and justify their terrible decisions ), but that's absolutely misleading. 

I would have never submitted any information to these people if I knew their tricks & deception. 

After speaking with their 'manager ' XXXX XXXX XXXX I was eventually hung up on. They don't provide their last names, I had to ask several times to be transferred to a manager. 

Terrible customer service, liars, misleading, worthless company that doesn't help anyone. They get a bunch of personal information from people only to deny them. 

They've hurt my credit with the denial. I have strong income, ( had ) strong credit until they got a hold of my information and made it go down almost 100 points overnight and the car would have secured the loan, making it lower risk, had they been promoting themselves the proper way. 

I would love to know their real purpose for existing. Probably stealing people 's identities with all the personal data they collect, just to deny them. 

Absolute waste of time & energy.

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 2022-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
To who this may concern, I am writing to express my concerns with the conduct of XXXX, XXXX, and Transunion. In XX/XX/2021, I noticed that some unauthorized information was being furnished on my consumer report without my permission and equally as importantly without my knowledge. After studying federal consumer rights and the many laws that govern them extensively, I became aware of the blatant violations of my consumer rights. Shortly after the discovery of the violations, I sent a number of dispute letters requesting or even demanding that the above credit reporting agencies, removed this information because it was affecting my ability to obtain various means of credit that I know undoubtedly could improve my family 's livelihood and financial stability. Each time they would state that information was already investigated and they didn't have to repeat an investigation or that it was just verified. But never offering any verifiable proof that this actual transaction or encounter took place. My question is who gave these Credit Reporting Agencies the authority to determine independently that the word of a third party was more important than the actual consumers. By law, consumer reporting agencies are supposed to investigate all information prior to even furnishing any of it on the consumer 's report. Pursuant to 15 USC 1681b ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I, XXXX XXXX, the consumer never gave them any instructions to do any such thing. One of the most recent documents I sent to each of the credit reporting agencies was a notarized Affidavit of Truth. In which I demanded they have a Senior Executive Representative create an Affidavit and address it to me, where it states I granted them permission to furnish my report ( see attached ). They sent me a generic response which is not an acceptable response ( attached ). An Affidavit has to be rebutted by an Affidavit " line by line ''. They failed to do so to that. I can't stress enough how unfair this is to me as the consumer. I am highly disappointed but not surprised. They are clearly undermining me as the consumer.

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 2017-08-16
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I was in school during XX/XX/XXXX and unemployed in XX/XX/XXXX, when I reached out to then XXXX XXXX inquiring about Economic Hardship, or any programs that will help lower my monthly payments. I was only offered forbearance which still accrued daily interest on an Interest Only Loan. When I was granted my reward letter from unemployment, I was only receiving {$150.00} weekly. I was only receiving these funds for a total of 18 months in the amount of {$2700.00}. Provided this was my only income, I had to maintain a roof over my head and pay other bills. XXXX XXXX took a financial statement regarding all my expenses and still made the decision that I did not qualify for Economic Hardship. I still paid a total of {$330.00} monthly. After I gained employment XX/XX/XXXX, I was able to get back on track to make high payments. I inquired about releasing my Mother as the Co-signer, I was advised if I made 12 on time payments she could be released. I held up to that claim only for my Mother not to be released as requested. The College I attended faded out my program of XXXX XXXX XXXX back in XX/XX/XXXX. At this time, I am unable to utilize my degree. I applied for several jobs only to be told, I need to go back to another Institution take a course that I can obtain a XXXX. The program that was offered at XXXX College was a XXXX program. I will not go back to take out another loan to utilize my degree. I have a XXXX XXXX XXXX XXXX with an outstanding balance of $ XXXX. This is insane to owe this much money for a XXXX XXXX that is null and void.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This company keeps re-aging these two accounts on my credit report and every time they keep re-aging these charged off accounts it drops my score. They are doing it on purpose to drop it which is causing me harm and emotional stress and is against the Fair Credit Report Act. Here is the company below along with orginal creditor info and the two accounts. PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX org creditor XXXX XXXX {$1100.00} PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX org creditor XXXX XXXX XXXX XXXX  {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: Bread Financial 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: Account status incorrect

Complaint:
I HAVE MADE ARRANGEMENTS FOR HARDSHIP. THEY DEDUCT A CERTAIN AMOUNT OUT EVERY MONTH, AND THEY KEEP REPORTING ME LATE. ACCOUNT SHOWS DELINQUENT 90 DAYS NOW. EACH TIME THEY DO THAT MY SCORE GOES DOWN. I WAS TOLD THAT THE REPORTS WILL UPDATE WITHIN 3 MONTHS OF MAKING CONSISTENT PAYMENTS AND THAT HAS NOT HAPPENED. I HAVE CALLED MANY TIMES TO GET THIS RESOLVED AND THEY HAVE NOT FIXED. 

THEY NEED TO UPDATE REPORTS AND ACCOUNTS TO A CURRENT STATUS OR I WILL KEEP DISPUTING AND ALSO WRITE TO THEIR LOCAL NEWSPAPERS.

Company response to consumer: Closed with explanation