BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-29
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: Reporting company used your report improperly

Complaint:
This is XXXX XXXX XXXX contacting you about multiple violations of my consumers rights done by you. 

You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. 

To Transunion, Recently I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure were 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me with a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.

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 2016-03-06
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX needs to remove the " Late '' on the XXXX accounts since the account has been closed/written of and which they issued a XXXX which I had paid the taxes on in XX/XX/XXXX and XX/XX/XXXX. The account is still reporting late. My attorney since XX/XX/XXXX when accounts were closed tried to make a settlement plan and they refused to respond and choose to write the account of and keep reporting as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: SYNCHRONY FINANCIAL
State: LA
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:
Im accordance to the Fair Credit Reporting Act this creditor has violated my rights under 15 U.S.C. 1681 section 602 states I have the right to privacy 15 U.S.C. 1681 section 604a section 2 also states a consumer can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/XXXX I reached filed a dispute with the Credit Bureaus due to inaccuracy on my Credit Report these accounts below In accordance with Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights and failed to do or provide a thorough investigation within a timely matter or legal which is not only disappointing but unfair to me as it impacts me on the daily. 
15 U.S.C 1681 SECTION 602 A states i have the rights to privacy 15 U.S.C 1681 SECTION 604 A Section 2 : States a Consumer reporting agency can not furnish a account without my written instruction Dear : To Whom Receives this letter This Letter is to dispute billing errors I found for the amount of {$5800.00} and {$710.00}. I do not recognize these charges and want these off of my credit report. It's an improper charge which I do not recognize and isnt valid. Please update and remove this inaccurate debt off my report. Due to debt error of this unknow fraudulent bill on my Report in collections. Its put a hold which I didnt realize until I looked into my Report Summary and notice a bill of {$5800.00} and {$710.00}. I need this to be resolved removed and updated. Due to the fact of this debt does not belong to me, I dont recognize or authorized it and want it removed. 
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 Please send me a Copy of my credit report with any updates done or inaccuracies corrected updated removed or validated to the address i have listed. thank you and hopefully we can resolve these inaccuracies in a timely manner due to the impact it has caused me and i hope this will be addressed and corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2022-11-21
Company: JPMORGAN CHASE & CO.
State: LA
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:
Im accordance to the Fair Credit Reporting Act this creditor has violated my rights under 15 U.S.C. 1681 section 602 states I have the right to privacy 15 U.S.C. 1681 section 604a section 2 also states a consumer can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: EQUIFAX, INC.
State: NV
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:
In accordance with the Fair credit reporting act, XXXX  account number XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( Equifax XXXX XXXX XXXX XXXX XXXX XXXX ) has violated my rights. 

Statute 15 of U.S.C 1681 section 602A states that I have the right to privacy.

Statue 15 of U.S.C 1681 section 604A states, a consumer reporting agency can NOT furnish a account without written instructions from the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have been trying to contact Convergent Outsourcing Inc for awhile regarding a fraud alert i received from XXXX listing Convergent Outsourcing inc as the creditors. There was never any attempts by this company or any other in writing or verbally to collect a debt from me in the past but i am being told that the debt was reported on my experian credit report. I have made multiple attempts to contact the company by telephone and in writing trying to verify this debt and get information about the original creaditor and receive no response or help. I have no memory of an open account for XXXX dollars in my credit past

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I took out a Loan with XXXX XXXX in XXXX XXXX with a credit Limit of XXXX dollars. I paid faithfully until XXXX when the entire company disappeared. During the entire payment cycle with XXXX the principle somehow never went down. I paid at least a hundred a month for 4 years and they would credit it late or tack on some fee. It was horrible. I heard nothing from these thieves and without a place to pay, I just quit figuring that they would eventually tell me if I owed them. XX/XX/XXXX, I was contacted by a business called Springleaf Financial Service of XXXX IN and was told that they had been looking for me and mailing me offers to settle. This was absolutely not true. I have lived in the same house since XX/XX/XXXX and my contact information has n't changed except for my work phone number since that time. The collection person said that they had purchased the loan from XXXX. I told the collection person that I did not conduct business on my phone and had no idea who they were. I said if you believe I am the correct XXXX XXXX send me something that proves your claim. Springleaf Financial sent me a copy of the XX/XX/XXXX Loan Agreement. Nothing else! No Balance no payment history no balance? I do not know my rights and frankly I am afraid to deal at all with this company. The scariest part is that this revolving loan has a home equity attachment. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I was a victim of identity theft, now I have inquiries on my report that I did n't authorize. I tried disputing them but the credit company is telling me to contact the company directly, the companies wo n't remove them saying it 's my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I HAVE SUBMITTED SEVERAL DISPUTES TO EXPERIANREGARDING ACCOUNTS THAT ARE NOT MINE AND REQUESTING THAT THEY PROVIDE ME WITH PHYSICAL PROOF THAT THE ACCOUNTS BELONG TO ME AND THEY HAVE FAILED TO DO SO SEVERAL TIMES AND THEREFORE I AM INTENDING TO SUE XXXX FOR VIOLATION OF THE FAIR CREDIT REPORTING ACT AND PROVIDING ME WITH PHYSICAL PROOF THE ACCOUNTS ON MY CREDIT REPORT BELONG TO ME. THIS IS MY LAST AND FINAL ATTEMPT BEFORE I SUE EXPERIAN.

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 2021-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I noticed unauthorized charges on my Bank of America pre paid account. I filed a police report a report with ftc and a complaint on this website as well which was complaint no. XXXX After only a week my credit card refunded me all money from this merchant and Bank of America also credited me PARTIAL credit. Bank of America split my claim in two claims. One for $ XXXX was credited back. The other claim for the majority of the transactions worth over {$1000.00} has been held and Bank of America has failed to act professionally. 

On XX/XX/21 at XXXX I received a call from someone stating they worked for Banknof America and THEY HAD INFORMATION ABOUT MY CLAIM so I trusted them and now the bank says that was a fraud call. I can not explain all that I wrong with this situation through this text please call me so I can explain the situation this has caused for me. Something is very wrong. I need my money that they are holding and also to confirm if I did or did not Give my personal information to someone that is fraud or not.

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 monetary relief
Consumer complaint received 2015-09-08
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH
State: MI
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
XXXX and myself owned a business we had a BANKER ( XXXX XXXX from XXXX ) come to us and see if he could do some finances for our business with us, we told him we would like to take out a small business loan and use it to pay off our home mortgage and our business mortgages using our XXXX commercial properties he agreed that would be something his bank could handle. It ended up by us loosing our business ALL of our properties to include our home and with paper work that has been used wrongly. It is very hard to explain however what the paper I have does not match what is in Register of needs. We hired Attorney on our home and they did NOT present any evidence on our behalf and I Had given them more then any one could believe, there excuse was it would only confuse the Judge! Well it also confuses anyone who looks at it. So now I am turning to anyone who can help us clean up this mess and get our money back that was wrongfully taken from us. This involves XXXX that is why it is so confusing and the BANKS would not do anything to help I might add the original Bank was bought out XXXX since this all started and I got the run around from all of them. All of the Evidence the banks Attorneys brought forward is in question because we did not knowingly sign any mortgage on our home and we never sign in front of a notary even if they say we did and I can also prove that is a lie. So as you can see this is a confusing mess, but some one has to care enough to get to the bottom of all of this we are now out of money do to all the attorney fees so far and we still have no answers because it never went to court with our evince the Judge did a summary judgment which was never asked for. So if there is any thing you can do for us to find out where the XXXX loan money went if it did not pay off our home. Please help us! We wrote Senator XXXX and he his the one who told us to get ahold of you for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: AXOS FINANCIAL, INC.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello and good day to you. Please take another look at the closed complaint XXXX - Axos Bank XXXX This bank response never addressed my complaint, and so why was this closed? Their reply deemed my case closed, and you somehow followed accordingly ( closed ). Was their response ( case closed ) at least suspect? I disagree, and ask that you please take another look at this case. 

At issue are check deposits being refused due to alleged improper endorsement, refused as " unable to verify ''. Their policy, checks must be endorsed to Axos bank, and without any account number designation. I researched this company and find that even govt stimulus checks are refused due to bank clients adding their account number on the endorsement. When this happens, causes weeks and even months delay, bank clients having to call the IRS and have another check issued and deposited/cashed elsewhere. Is this legal and proper, that " even '' govt stimulus checks are refused due to putting the account number on the endorsement? 

My research revealed to me this issue, and I was able to avoid it, I immediately closed my account. Therefore, I am fi Signed,. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: Experian Information Solutions 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:
Experience always what was my credit score for no reason and I have to dispute it and then it goes back up in the same day goes down again I keep paying my credit card off after going up it goes down messing me up every time I do Im trying to buy a house in a mess up my credit score

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 2017-01-13
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: LA
Product: Consumer Loan
Sub-product: Title loan
Issue: Charged fees or interest I didn't expect

Complaint:
lender sending my contact info to warranty companies and these companies are trying to swindle me out of money for extended warranties, contacted the local company yesterday and person i spoke with was veryrude and said they would never force me to get a extended warranty but XXXX companies called and i was told by both that i had to have this true auto XXXX and national vehicle head quarters XXXX, now this company said i was refinancing a new vehicle false still have same truck 2009.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: EQUIFAX, 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:
On XX/XX/2021 I requested Equifax remove negative, unverifiable and defamatory information off of my credit report. The credit reporting agency is not complying with its own policies in a timely manner. 

On XX/XX/2021 I requested XXXX remove negative, unverifiable and defamatory information off of my credit report. The credit reporting agency is not complying with its own policies in a timely manner. 

On XX/XX/2021 I requested XXXX remove negative, unverifiable and defamatory information off of my credit report. The credit reporting agency is not complying with its own policies in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: WELLS FARGO & COMPANY
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have my auto loan with Wells Fargo Dealer Services. They lost one of my payments. I was notified in XXXX that I missed a payment in XXXX 2014. I went to my bank and got proof of the payment. When I proved that payment I was told it was XXXX 2014 payment. I got proof of that payment from my bank and sent it in to them. I was asked for proof of payments for that entire year and I complied. Wells Fargo still has n't corrected this error. They have been lying stating that The Attorney general 's office has n't contacted them but I have a copy of every letter sent by XXXX at the Attorney general 's office. He also stated that Wells Fargo contacted them on XXXX XXXX asking for another extension. The Attorney general 's office has been involved in this since XXXX and Wells Fargo refuses to respond to their requests therefore I was directed here by them. When Wells Fargo called me last week they stated that XXXX in their office of the President was no longer with them and there were no notes on my file. They have charged over {$200.00} in late fees to my account and reported negatively to the credit bureau for their own mistake. It is evident that this has happened a lot with them because in XXXX 2014 they posted someone else 's payment to my account per XXXX therfore it looked like I made an extra payment that month. If you look at my account history on their site they tend to reverse a lot of payments because payments are posted wrong, even when you pay electronically on their website. I have attached a copy of my payment history screen off of their website. The Attorney general 's office has submitted all other correspondence from my bank as well as the payment history screen from their site, to them in XXXX and 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 2016-02-12
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am receiving more than one attempt to collect the debt per day up to four calls a day, including Sunday 's.

Company response to consumer: Closed with non-monetary relief