BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
By accordance with the fair credit reporting XXXX  accounts XXXX, & XXXX has violated my rights 15 U.S.C 1681 section 602 A states that I have the right to privacy 15 U.S.C 1681 section 604 A it also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Original creditor : XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor 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 2022-04-06
Company: Experian Information Solutions Inc.
State: PA
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 XXXXXXXX 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 2018-02-23
Company: CITIBANK, N.A.
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:
I have Multiple inquiries on my credit account that i did not personally apply for, i have gone through a credit repair service as well as reached out to these companies myself and was unable to get anything to change

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 2021-11-13
Company: NAVY FEDERAL CREDIT UNION
State: MD
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the fallacious account reporting on my Credit Report : XX/XX/XXXXXX/XX/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 2021-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have spent almost 50 hours trying to resolve this its extremely frustrating and outrageous. I had an XXXX credit card, I made a purchase back in 2016 for a hair dryer and the cashier was new and accidentally charged me twice for the hair dryer. They assured me that they removed the charge however they DID NOT! This mistake has snowballed into this never ending nightmare which has really had bad effects on my credit report and is now a massive bill in collections even though XXXX has admitted to me on recorded line that they pulled up the transaction and it was a billing error on their end. They said that although it was there fault that they could not do anything to repair the damage because they were not connected to the credit card company! So Im caught in the middle of two corporations and I am getting bullied basically. Its really so frustrating

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 2018-10-12
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX has file false information on my credit report that maybe do to identity theft this account is not mines I have never been here or used there services every by law this wrong to report inaccurate information on my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-13
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX account was paid in full XXXX XXXX XXXX XXXX debited my account even though the balance was paid in full. I noticed experian has a {$29.00} balance listed on the report so i called to dispute, the first rep told me no because they saw a dispute in XXXX which was baffling. The second rep told me I had to speak to someone else, the third person was a supervisor who told me she worked in the membership department. the fourth rep played like she could not hear me on the phone and disconnected the line

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 2022-03-13
Company: General Motors Financial Company, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Your company is in violation of the FDCPA, TILA, and UCC codes. Which GM FINANCIAL is collecting a debt for your company XXXX XXXX XXXX. On XXXX XXXX I sent GM FINANCIAL a VLIDATION OF DEBT letter. On XX/XX/2021 I received a letter stating that I signed a credit contract with them, which the copy of the contract was attached which shows I did a consumer credit transaction with XXXX XXXX XXXX not GM FINANCIAL .also attached was a copy of the account payment history showing that they been collecting your debt.which shows me that your company assigned GM FINANCIAL MY contract to collect your debt without my consent which is Identity theft and that is FRAUD. 
Pursuant to the FEDERAL TRUTH IN LENDING a contract can not be credit or cash, because credit covers all Obligations.also the finance charge is the sun total of all charges which includes insurance. 
Pursuant to 18 USC 8 the term obligation or other security of the United States includes all bonds and certificates of indebtedness.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Ocwen loan servicing has reported the I was late on a payment back inXX/XX/XXXXof this year. I have the statement from them to prove it is not true. But they have  already hit my credit report. The worse part of all this is this is the second time in about 1 year that Ocwen has done this. The first time was after my bankruptcy was completed last year. the reported I was behind on payment. I have never missed a payment and after proving it to them which toke months Ocwen came back and said it was underpayment from the bankruptcy and it happen while I was with XXXX XXXX XXXX. After about six months the made me refinance at the same rate and years that I was already at. I have been making more then the monthly payment since. Which is a good thing because it seems like they keep changing the monthly amount. It seems like they are trying to do it all over again.

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 2021-11-13
Company: EQUIFAX, INC.
State: GA
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: Experian Information Solutions 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:
XXXX XXXX. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous inquiry reporting on my Credit Report : XXXX XXXX Date XX/XX/2020 ;

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 2020-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$360.00}, {$320.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNTS -- 1. XXXX XXXX XXXX   with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$360.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -This is not my account.

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 2017-06-02
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax confirmation number : #  XXXX  I have disputed an item with credit reporting agency Equifax and I am filing this complaint because they have failed to provide me with documents they have on file that are being used to verify the information being reported. Being that they have gone far past the 30 day mark and can not verify this account, under secti on 611 ( 5 ) ( a )  of the Fair Credit Reporting Act, they are required to 'promptly delete all information that can not be verified '. Please solve this issue as soon as possible.     I appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: EQUIFAX, INC.
State: PA
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:
By accordance with the fair credit reporting XXXX  accounts XXXX, & XXXX has violated my rights 15 U.S.C 1681 section 602 A states that I have the right to privacy 15 U.S.C 1681 section 604 A it also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Stallings Financial Group, Inc.
State: GA
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:
Stallings Financial Group has sent 6 to 8 letters 2 days in a row for debt that I do not owe. 3 letters dated XX/XX/2020 stating I have made no effort to attempt to validate a debt for the amounts of {$9.00}, {$40.00}, and {$200.00}. The other set of letters dated XX/XX/2020 stating I have 30 days from the date of the letter to send a request to validate debt for the amounts listed above. I do not owe this company or any other company these amounts and feel like sending multiple sets of letters back to back is harassment. Also when I called to check on this debt I was sent to an automatic recording which prompted me to enter my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
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: Information belongs to someone else

Complaint:
I have a fraudulent BANKRUPTCY COURT account open on my credit reports. Also I was in a park some years ago and someone stole my bag with my personal and sensitive information in it. And since then I have a lot of hard inquiries that have been appearing on my credit report that I did not authorize as well. 
Record Type : Chapter XXXX bankruptcy Date Opened : XX/XX/XXXX Reference Number : XXXX XXXX  : XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Credit/ XXXX  XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX TRANSUNION : XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX  Inquiry from XX/XX/XXXX + Finance XXXX  XXXX Inquiry from XX/XX/XXXX + Misc. 
XXXX Inquiry from XX/XX/XXXX + Utilities & Fuel XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX  XXXX XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX  XXXX I Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX  Inquiry from XX/XX/XXXX + Finance XXXX  Inquiry from XX/XX/XXXX + Finance XXXX  Inquiry from XX/XX/XXXX + Sporting Goods XXXX XXXX Inquiry from XX/XX/XXXX + Sporting Goods XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX + Misc. 
XXXX XXXX  Inquiry from XX/XX/XXXX + Bank XXXX XXXX  Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX  Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  : XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + Auto Financing XXXX  Inquiry from XX/XX/XXXX + Motorcycles & Bicycle Sales/Svc XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, New XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, New XXXX XXXX XXXX Inquiry from XX/XX/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 2017-06-06
Company: PNC Bank N.A.
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have tried to refinance with this particular bank XXXX XXXX XXXX XXXX located in Pennsylvania presently owned by PNC Bank, the first time they told me that they were going to process my request and send me a pkg with all the papers to apply for refinance my loan and after a while they send a letter that they denied my application because they do n't do refinance waste my time and effort, Second we apply again and they told that I was going to get consider to get a refinance or modification to my loan to reduce my payments and go to from variable rate to fixed rate on top of all this my primary bank XXXX XXXX wanted to take over and combine both loans into one which was great and the XXXX decide to block and not to released my Leon on my house after I tried to talk to them for several months and my XXXX received a letter saying they were not going to release my Leon on my house with no reason and my family and I had the opportunity to solved this situation over two years ago and we find out that it was unfair from this bank XXXX or PNC bank to abuse authority to block my high potential getting a consolidation loan thru XXXX XXXX that was willing to do it for us, I have evidence that XXXX can back me up that I should got my Lein on my released by them and case could be solved two years and presently my house uts in jeopardy and their lawyer send me a letter that my house loan to be paid in full or conditions can be arranged to paid over {$10000.00} dollars so we do n't have that much money to avoid to go to court and we can loose our property we need help from this agency and that 's why we putting a complaint against this bank XXXX or PNC bank hopefully we heard something soon, much appreciated from my family and I Sincerely XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: EQUIFAX, 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:
My name is XXXX XXXX and my daughter XXXX XXXX has open accounts in my name. The ONLY account I have is with my daughter XXXX with XXXX XXXX. That is the only account I have just recently open. I have never open an credit card account. My daughter address is XXXX XXXX XXXX XXXX, Al XXXX. She has her husband posing as me to open accounts and to lied to open new accounts. I'm XXXX XXXX XXXX and will be XXXX in XXXX so why will I open credit card accounts I never had before. Please help XXXX to resolved this. She has recently changed my information on my credit bureau reports and I can't access my own accounts. I worked all my life and paid taxes. I'm retired. This should be unlawful that someone can open or change an account with showing proper identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents as it contains my full complaint and request.

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 2021-11-13
Company: Bread Financial 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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation