BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-09
Company: EQUIFAX, INC.
State: AR
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 filing a complaint with  XXXX , Equifax, and  XXXX . After multiple attempts through mail, online disputes, and telephone calls I am unable to get unauthorized inquiries off of my credit report. I am sending out a certified letter  one  more time. If this does not work I will be contacting the Attorney General for further assistance. FCRA states that the only permissible purpose for pulling someone 's credit is for his firm offering credit, insurance, employment, or court order. With the different glitches that has been happening with the credit companies I feel that my inquire should be removed from my entire credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX 's XXXX XXXX will remain on credit report as a debt written off by company in 2011. A recovery company can not assume a written off debt. They must remove their company from my credit report, due misrepresentation of written off debt by another company. Plus there has been no billing in XXXX plus years from either company. I had unemployment insurance that was suppose to cover all debt. XXXX did not honor, they just applied what I had paid unto bill. I will not assume a debt that has been written off and Transunion should remove this company & Transunion can not change the status of the original write off to assumed debt by portfolio. XXXX can not write it off getting credit from the government for bad debt. They can not sell off zero balances. I will join a class action filing if this is not remedied.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 # XXXX, XXXX, XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company 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 2017-05-09
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
entered into a 24 month contra ct ( in terest free ) that was paid in full in 21 months. Because a payment was n't made during the period they accessed a late fee only because a payment was made to early and was recorded the prior month. when contacted they failed to adjust. they then continued adding late fees to the account and finally filed with a collection agency to collect several  XXXX  dollars as a settlement. This was charged off per   XXXX   credit report.   My name is  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX  XXXX  XXXX  this transaction was with   XXXX   XXXX   XXXX   thru SYNC in the amount of {$390.00} dated entered into  XXXX  and filed  XXXX , I sent them a payment schedule which they never acknowledged or dispute listing the dates of payments.   This is an example of how free interest for x time functions and is not my first experience. Why action has not been taken against these kinds of activities is hard for this person to understand. It is attempted extortion!

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 2016-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Contact the credit agency to dispute inquiries that were made with my knowledge, after there investigation they conclude the information was correct. I contact the individual companies I never heard back from them regarding the matter. I have attached a pdf of the document the was sent to Transunion XX/XX/2015.

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 2016-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I 've been trying to dispute an account with this credit bureau since last year. After receiving a result letter from this bureau stating that I need to contact the collection agency that exactly what I did. I sent XXXX what I read as a " proof of claim '' letter and they responded with a contract that is hard to read the name is very blurry and illegible. The name on the contact saw a lady 's name of XXXX XXXX or whomever. See what I received in the attachment

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 2016-05-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card
Issue: Advertising and marketing

Complaint:
Capital one is harassing by sending spam paper mail communications. 

The opt out process is unclear and difficult. 

Capitol one is violating my personal privacy. 

Capital one is sending unsolicited harassing communications that create a threat to personal privacy. 

XXXX is not at the address.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: BTH Management
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
When checking my credit unnoticed a collection account. I had never received any notice or phone call about this debt. My address is current because I have a mortgage and have had same phone # number for over  XXXX  years. At any rate, I did n't want to have any back and forth. I do not know anything about this debt nor do I believe it was mine. I paid this with the agreement they would delete account from credit bureaus. They have cashed check and are still sending me letters now to collect on an account that has been paid and they are saying it is n't. And i attempt to call and never get a representative. This is paid and was n't my account. This was to be deleted and has n't and now they suddenly are mailing me wanting payment.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: Experian Information Solutions Inc.
State: KY
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:
On   XXXX   XXXX   XXXX     I sent a letter disputing multiple inquiries to all credit reporting agencies and asking for removal. They responded sending me a letter explaining what an inquiry is! I then resent additional letter stating I had not gotten any proof via certified mail and fax also on   XXXX   XXXX  . They again resent a letter stating what inquiries are and to contact the reporting agencies to dispute myself. They have failed to respond to  XXXX  requests now to research and delete inaccurate inquiries on my credit report. These inquiries do not belong on my report and I have no written verification they belong to me. In addition, the response to the second letter was dated the day after they received the certified mail. How could you provide any written verification or any legitimate research in  XXXX  day?     I Followed up with a phone call today   XXXX   XXXX   and they told me the inquiries were my responsibility to contact businesses to remove and they do not remove inquiries I also requested twice in writing to update and correct old addresses, employers and phone numbers and all they keep sending me is the exact same credit report repeatedly.

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 2016-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This account is being reported as it current status is collection/chargeoff and is showing as delinquent on my credit reports. The payment history on this account is being reported incorrectly and NOT BEING REPORTED FAIRLY. I was laid off in XX/XX/XXXX. With no job or income, I stopped paying on my credit accounts. The last payment on this account was in XX/XX/XXXX. You can clearly see on the attached info from XXXX that the payment status switched to NR in XX/XX/XXXX. This account went into default and was transferred to XXXX. This does not constitute a payment and this account is being reported past the 7 year threshold for showing on a credit report and should be deleted. I have disputed this several times with the credit agencies and I have written to XXXX several times as well and this is still being reported incorrectly on my credit report and is stopping me from getting a mortgage. 

If this is not deleted then the account payment history needs to be updated and merged with my student loan account with XXXX. When I defaulted on my student loan in XXXX, I had XXXX account, I now have XXXX accounts on my credit reports and XXXX are showing as delinquent. This is not fair to me and does not accurately reflect my payment history with my student loans. I should have XXXX account ( with XXXX ) that shows that I have paid on this since XXXX and is current and paid as agreed status. The way these are currently being reported is that I have XXXX accounts that I stopped paying on in XXXX, which is not true and is painting an unfair picture. Please delete these accounts immediately from my credit reports.

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 2015-05-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card
Issue: Privacy

Complaint:
My sister and I both have applied for the same credit card which was the XXXX card by Capital One. Neither of us have yet to receive denial letters via mail, my application was almost 30 days ago. However instead both of us have received emails regarding our denial letters. We enter the credentials which were our XXXX and XXXX. When we entered the credentials we noticed it was someone else denial letter. Completely different name and everything. This is a privacy issue especially considering we both got someone else 's denial letter. I have contacted the Executive Office and their XXXX XXXX regarding this issue and still have not received my denial letter. If i am not mistaken a company needs to send your denial letter, but to receive someone else 's letter just seems to be a privacy issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: Experian Information Solutions Inc.
State: AL
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 # XXXX, XXXX, XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company 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 2017-05-09
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
I am a  XXXX  veteran, I went to purchase a car and the sales person basically lied to me about the condition of the vehicle. I purchased the car on  XXXX / XXXX / XXXX  because the sales person reassured me that I was making a great purchase, after much research I found out that at one time  XXXX   XXXX  the  XXXX  model was under recall due to a manufacture defect, what made me look into this was because I noticed water in the bottom of my trunk along with either termites or ants, I purchased a wet vacuum to remove the bugs and water but nothings working. I brought the car into the dealership to be looked at and they informed me I had to pay over a  XXXX   XXXX  just to get it checked. That was money I did not have so I left. It kept raining and the car was getting worst! So for the about a year there has been mold and bugs in my car even in the inside. I do n't know what to do.

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 2017-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
TODAY I ATTEMPTED TO GET A COPY OF MY FREE ANNUAL CREDIT REPORT FROM TRANSUNION BUT I WAS NOT ABLE TO DO SO BEING THEY SAID THEY COULD NOT VERIFY MY IDENTITY BASED ON THE INFORMATION I GAVE THEM.     I AM REALLY ANGRY THAT TRANSUNION REFUSED TO PROVIDE A FREE COPY OF THE ANNUAL REPORT.     I CAN NOT CALL THEM DURING THE DAY BEING I WORK AND CAN NOT HAVE THE ABILITY TO USE A TELEPHONE.

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 2021-12-24
Company: Earm LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The guy that keeps calling repeatedly & leaving threatening messages on my voicemail, he says his name is XXXX XXXX. He said he was from MAC about a debt & that legal action would be taken against me. It will be put down as a refusal to pay & being evasive. I don't have any debt & I don't know who he is. He constantly calls from different numbers & leaves different call back numbers as well. Some of the call back numbers left on my voicemail are XXXX ( XXXX ) XXXX, XXXX ( XXXX ) XXXX, XXXX ( XXXX ) XXXX. He also called from XXXX ( XXXX ) XXXX

Company response to consumer: Untimely response
Consumer complaint received 2017-03-08
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have sent numerous dispute letters disputing this account. With all the attempts they never validated the debt. My letter specifically stated that they must have all documents that bare my signature and also the billing ledger and any other information to prove that I was in default with this account. I have not gotten this information. As of today XX/XX/2017.

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 2017-05-09
Company: Adler Wallach & Associates, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
AWA Collections talks to people like they are  XXXX . They have terrible attitudes and offer absolutely no help. When you ask to speak to a supervisor all of a sudden whoever you are talking to turns into the supervisor. I guess it is ok for them to hang up on you multiple times, deny they did that at  XXXX  point, and laugh when you start questioning charges. They make snuddy remarks about why your account is there as well. When asking about charges and could I receive a copy of them I was told if I had paid my bills I would n't have to be calling them. Yeah you 're right but in order to pay the bills you actually have to receive them first!!! The federal government really needs to look into these companies! The ONLY reason I found out about these accounts is I was in the process of buying a house. THIS BY FAR IS THE WORST COMPANY I HAVE EVER HAD TO DEAL WITH!!!!!! Most companies are willing to work with you or settle if you can make a full payment I was cut off and told they do n't have to work with me at all they are n't there to help me. How   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   You should always be willing to work with people!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
Company: PNC Bank N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX, a fraudulent charge in the amount of XXXX appeared on my credit card account after I had contacted PNC Bank to warn them of suspicious activity at the same time that I received a text about the same thing. I had been contacted by someone from PNC prior to receiving the text about a fraudulent purchase in California. After the dust settled, PNC said I was complicit and is holding me accountable for the XXXX amount

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Advertising and marketing

Complaint:
This issue has occurred multiple times. In the most recent case, I contacted Chase via their online messaging system and called them to notify them I would be purchasing appliances totaling about {$2500.00}. My account is in good standing. Despite this they declined my purchase due to " security reasons ''. With this Chase Sapphire card, I pay an annual fee of {$100.00}. Part of the reason I pay this fee is that Chase claims to provide a number of benefits including damage and price protection on goods purchased. However, when they deny my larger transactions, I essentially have no way of utilizing their advertised benefits. I believe is this deceitful and essentially false advertising.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-09
Company: Consumer Portfolio Services, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have reached out to all the companies on my credit bureau that is showing an inquiry that has been made and they have stated its a matter of record. I explained to them that I have been a victim of identity theft and that I have not requested credit from there company. I was told that they would not really affect me to there is nothing they can do to help me. I have contacted the credit bureaus and they have told me that they can not help me although I have a fraud alert and have explained to them that someone has try to obtain credit in my name. I have cell phone bills on my report that I am fighting to get off now. I am very upset about these inquiries and that the creditor nor the credit bureau is willing to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have disputed 3 times XXXX claim of XXXX in the amount of XXXX. It comes back VERIFIED, NO CHANGE. Yet i have talked to this Collection Agency several times as I have never belonged to a gym in my life. After finally talking to XXXX XXXX from the collection agency, he informed me he has my name and date of birth, however this Gym has been out of business several years. I responded that this was not my debt, and asked if he had a signed contract. I would imagine you would sign something if you are in a contract for owing money as they claim. He said, No they are no longer in business. However i was free to do what i needed to do as far as reporting them for false debt. I have went through great lengths and Transunion has not verified any debt, but yet reports it as such. This is by my knowledge not legal and is dragging my credit down causing great stress and denial of credit, even though my family has a lot of great active revolving credit lines including installment car loans on my record. Someone needs to be held accountable, and this false debt should have been removed 90 days ago. Obviously XXXX XXXX does not feel someone could possibly use another name and date of birth to obtain something, because they sure do n't have my signature or a contract agreeing to any sort of membership.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX is illegally reporting my account as late after my bankruptcy when it was in good standing up til the filing. They closed my account, would n't take anymore payments and now reporting monthly as over XXXX days late. I attempted twice to contest this and they continue to do it.

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