BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-28
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: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX  XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX Company Inquiries US SM BUS ADMIN 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 explanation
Consumer complaint received 2021-12-12
Company: EQUIFAX, 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:
XXXX XXXX, 2021 Listed 6 /90 day late Payments missed under the Cares act. 
It was my understanding that the student loan Payments were on pause. I quickly notified XXXX when I seen the late payments. 
One loan, placed 6 times. 
During this time Iost my Daughter on XXXX day, I couldn't think straight for months. Finally looking into the student loans I got everything straightened out but it has put a black mark on my credit score. I never been late. I sent a letter to the credit agencies and disputed. They sent no proof. I then contacted XXXX and they wanted a dispute letter. This is wrong during a national pandemic

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
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:
XXXX XXXX, 2021 Listed 6 /90 day late Payments missed under the Cares act. 
It was my understanding that the student loan Payments were on pause. I quickly notified XXXX when I seen the late payments.

One loan, placed 6 times. 
During this time Iost my Daughter on XXXX day, I couldn't think straight for months. Finally looking into the student loans I got everything straightened out but it has put a black mark on my credit score. I never been late. I sent a letter to the credit agencies and disputed. They sent no proof. I then contacted XXXX and they wanted a dispute letter. This is wrong during a national pandemic

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 2019-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
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:
Filed Bankrupcy debt not owed. capitol one bank since XX/XX/2014

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello, Capital One closed my Kohl 's charge due to inactivity on XX/XX/2020. They didn't send me any warning notice. I haven't used my card in quite some time however even if I wanted to these past several months, our Kohl 's stores in Delaware weren't even open due to COVID19. 

Closing my card due to inactivity without warning is detrimental to your customer 's credit health. Longevity of open accounts are very important. I called Kohl's/Cap One customer service today and I was advised that the only way to resolve the issue was to reapply for a new Kohl 's charge account. Once again - this is not fair as it would put a hard inquiry on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: EQUIFAX, INC.
State: LA
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:
I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
Company: EQUIFAX, INC.
State: MS
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 am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX XXXX Balance {$6700.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$2600.00} XXXX XXXX XXXX XXXX Balance {$9900.00} XXXX XXXXXXXX Balance {$140.00} XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXnquiry Date XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
Company: Experian Information Solutions 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:
XXXX XXXX, 2021 Listed 6 /90 day late Payments missed under the Cares act.

It was my understanding that the student loan Payments were on pause. I quickly notified XXXX when I seen the late payments. 
One loan, placed 6 times. 
During this time Iost my Daughter on XXXX day, I couldn't think straight for months. Finally looking into the student loans I got everything straightened out but it has put a black mark on my credit score. I never been late. I sent a letter to the credit agencies and disputed. They sent no proof. I then contacted XXXX and they wanted a dispute letter. This is wrong during a national pandemic

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 2020-06-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have several hard inquiries that are inaccurate with Equifax. These stem from the well known equifax data breach. I submitted a dispute for 3 inquiries. XXXX, XXXX, XXXX XXXX. 

They did not make the changes because they said " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : ( company name ) '' I have several problems with their response. First, for XXXX ; XXXX already contacted equifax and had the related fraudulent delinquent account removed, however i can't figure out why equifax can not remove the associated hard inquiry. 

Second, for XXXX. This was also fradulent. I spoke with XXXX and they told me i had to dispute it with Equifax. I'm not sure who is right here but they are both saying the other company has to make the change. I don't care, but just want this resolved. 

Third, i will point out that these fraudulent inquiries are the direct result of the equifax data breach. They should be more helpful in resolving the problem they created.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: Experian Information Solutions Inc.
State: IL
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:
After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. Please remove the following unauthorized inquires. No one of these inquiries which I listed in Identity Theft does not belong to me or any transactions made by me. 
I have requested proof from these companies that the pulling of my credit was somehow in fact authorized by me, I still have yet to receive any responses. That tells me, that they WERE NOT authorized and therefore need to be removed from my credit profile immediately. 
Please remove every thing as soon as possible because all of these are destroying my credit.

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 2022-11-12
Company: EQUIFAX, 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:
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 DELETE ( REMOVE ACCOUNT IMMEDIATELY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
Company: Exeter Finance Corp.
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I purchased a vehicle from XXXX on XX/XX/XXXX. I was able to get financed through Exeter Finance ( XXXX XXXX XXXX, XXXX, TX XXXX | XXXX ). The total cost of the XXXX XXXX XXXX XXXX was {$12000.00}. On XX/XX/XXXX the vehicle was stolen from me by a homeless man. He was later found in possession of the stolen vehicle after he crashed it while trying to abscond from a XXXX XXXX, GA police officer. My insurance company ( XXXX XXXX XXXX XXXX Georgia ) offered me an unfair settlement amount and I am currently in an active dispute with them over the {$5400.00} they tried to give me for my three month old car. 

While all this has been going on, I have still been responsible for the monthly payments to Exeter Finance. I have been unable to make them. I had to purchase another car to replace the one that was stolen and can not afford both payments. My bills are behind and I have pleaded for help several times with no response to any of my letters. I have also called them and asked for them to work with me, they denied helping me refinance the vehicle, defer payment, and completely disregarded my phone calls and letters and just keep sending bills and reducing my credit score. Not only has this affect me, but it has also affected my mother who co-signed the vehicle for me. Her credit score has reduced significantly. We are both victims of another person 's crime, but have been treated as if we are the criminal instead. I am in over my head with all of this. I need some help. No one will give me a break. Please if you can help me somehow I would greatly appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have asked Experian to erase wrong personal information from my report. They send out report with statement of updated but not erase.

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 2017-10-24
Company: ALLY FINANCIAL 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:
In XXXX 2014 there was several accounts started in my name without my consent. one was with Ally Financial {$10000.00} second with XXXX XXXX {$29000.00} third with XXXX {$12000.00} and XXXX  XXXX XXXX {$11000.00}

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 2022-07-21
Company: EQUIFAX, 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 appears that my credit with you has been compromised. I was going through my records & noticed many files 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 account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report # XXXX for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: Experian Information Solutions Inc.
State: AK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Placed freeze with experian. 
Tried to unfreeze later using both Experian web page and phone. 
Entered ALL requested info including PIN they gave me at time of freeze. 
Both methods denied unfreeze action pending mail in of numerous ID documents. 
This is holding up a mortgage and will cost money if not solved immediately. 
Web site claims pin is the only requirement to unfreeze. I believe they are misleading people on this process to save money for themselves.

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 2021-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 called transunion numerous times. I was told these inquiries will be deleted. They are still reflecting on my report. These are fraudulent inquiries that need to be deleted immediately.

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 2022-07-21
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 appears that my credit with you has been compromised. I was going through my records & noticed many files 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 account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report # XXXX for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 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 2020-05-28
Company: Source Receivables Management LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I don't ole this. They got my name spelled wrong and all

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
This was not sent in error, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized used of my credit 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 2020-06-13
Company: Fay Servicing, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I submitted complaint - XXXX and it was resolved last XXXX. The company erroneously flagged my mortgage with bankruptcy. They have since resolved and apologized however they still list a fee related to bankruptcy on my account. I have asked repeatedly that it be removed and the customer service reps say a 'VP ' will call me to resolve. No one ever calls me back. The fee is a Recoverable Corporate advance balance of {$350.00}. The customer service rep said this was a bankruptcy fee. We have never filed for bankruptcy and have all paid on time. This needs to be removed from our account and I wish to have written notification that this was taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
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:
Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT all information which can not be verified. Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please correct the accounts, or inaccurate information, from my file immediately & send me the results to the address. 

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 2016-08-01
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was a customer of HSBC bank. It XXXX or XXXX I had a personal checking and savings account with them. I called customer service to lodge a complaint that money was removed from my account without my authorization. They investigated it and decided to close my account. Unfortunately, because it was so long ago, I do not recall nor do I have my account number with this corporation. I attempted to open another account with them several years later. I was permitted to open the account. The following day customer service contacted me and informed me they closed my account due to my previous account having been closed by this institution. I feel that their investigation was inconclusive and as a customer, lodging a complaint to them about unauthorized usage of my account, I should have not be penalized for submission of this complaint.

Company response to consumer: Closed with explanation