BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-22
Company: EQUIFAX, INC.
State: MI
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX Account # # # # # # # # # # # # XXXX, XXXXAccount # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ACCT # 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 instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
ON XXXX I REFINANCED MY CAR FROM XXXX TO XXXX. MAILED PAYOFF CHECK ( {$10000.00} ) TO XXXX  VIA US PRIORITY MAIL EXP TRACKING, WHICH WAS DELIVERED, LEFT W/INDIVIDUAL XXXX @ XXXX. I FILED XXXX XXXX ON XXXX TO PAY OFF ALL DELINQUENT GOV DEBTS. ON OR AROUND THAT TIME XXXX SUBMITTED A PROOF OF CLAIM ON THE CAR. XXXX CASHED THE PAYOFF CHECK AND MAILED THE CAR TITLE TO XXXX ON XXXX BUT NEVER FILED TO AMEND THEIR PROOF OF CLAIM FOR PAYMENT WITH THE COURTS. AS OF XXXX I WAS STILL TRYING TO HAVE XXXX AMEND THEIR POC. I HAVE SINCE BEEN NOTIFIED BY MY XXXX ATTORNEY THAT AN AMENDMENT HAS BEEN FILED ON XXXX 'S BEHALF BUT NOT BEFORE I FILED AN OFFICIAL BBB COMPLAINT. MEANWHILE I HAVE BEEN DISPUTING MY TRANSUNION CREDIT REPORT SINCE XXXX. I HAVE SUBMITTED EVERY DOCUMENT POSSIBLE TO HAVE THE INFO THEY ARE REPORTING CORRECTED. THIS ACCOUNT IS NOT NOR HAS BEEN APART OF MY XXXX. MY LAST DISPUTE WAS IN XXXX AT WHICH TIME I UPLOADED A DOC FROM XXXX STATING THAT THE ACCOUNT WAS PIF ( IT EVEN HAD A REF # ). YET THE DISPUTED INFO NEVER CHANGED, ITS AS IF TRANSUNION NEVER EVER INVESTIGATED ANYTHING. PLEASE, THIS ACCOUNT SHOULD NEVER HAD BEEN MARKED AS BEING IN XXXX OR APART OF A DEBT REPAYMENT PLAN AS IT WAS PIF AND TITLE MAILED TO APPROPRIATE PARTY IN XXXX. THE PROOF OF CLAIM ON THIS ACCOUNT SHOULD HAVE BEEN AMENDED IMMEDIATELY AFTER RECEIVING AND CASHING THE PAYOFF CHECK FROM XXXX XXXX AGAIN IN XXXX. I JUST NEED TRANSUNION TO AT THE VERY LEAST INVESTIGATE MY DISPUTE AND NOT JUST DISCARD IT BECAUSE FOR THE LAST 4 OR 5 MONTHS IVE BEEN FILING A DISPUTE FOR THE SAME EXACT THING. XXXX ADVISED THEY ARE NOT RESPONSIBLE FOR THE WORDING THAT TRANSUNION REPORTS, REALLY. TRANSUNION ADVISED THEY NOT RESPOSIBLE FOR THE WORDING REGARDING MY COAF REMARKS, REALLY. 
BELOW IS THE LAST DOC THAT I UPLOADED TO TRANSUNION IN XXXX WITH MY DISPUTE, WHEN I CALLED THEM XXXX, THE DISPUTE RESULTS WERE THE SAME AND I WAS ADVISED THAT THE DOC WAS NOT VALID. OBVIOUSLY THERE WAS NO INVESTIGATION DONE. XXXX, PLEASE HELP.

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 2022-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
TransUnion has continued to report incorrect and invalid information. After several written attempts to have the credit bureau correct these errors, they still continue to report false items. They will not give me my current credit score because they say I have an open dispute. Yet, they reported a low score of XXXX to a lender. This is in violation of the FCRA. The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports. Given all my attempts to address two erroneous accounts directly with the TransUnion bureau, this is negligence and non-compliance with federal statutes. Please delete the disputed accounts in my credit report : XXXX XXXX, XXXX XXXX XXXX XXXX. I have sent documentation with both disputes. This matter is still unresolved, and the bureau is now reporting low scores to lenders/creditors.

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 2023-11-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Transunions supervisor XXXX XXXX told me steps to follow to have an unauthorized hard inquiry removed when vendor refuses to cooperate Transunions file XXXX Ftc report XXXX All documentation was submitted via usps to Transunions address numerous times the last being XX/XX/22 Transunion refuses to remove unauthorized hard inquiry by XXXX XXXX of XXXX XXXX XXXX XXXX Since vendor refuses to cooperate Transunion said if proper ID and FTC report and letter are received the hard inquiry of XXXX XXXX will be removed Now I am told it can not be removed

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 2023-02-10
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX Balance {$21000.00} ; XXXX XXXX XXXX XXXXXXXX XXXX {$10000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : 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 2022-07-29
Company: EQUIFAX, 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:
On XX/XX/2022 I, XXXX , a federally protected consumer, mailed a document via USPS Certified Mail return receipt requested that notified Equifax of SEVERAL inaccuracies on my credit file/report. Their response claims they have completed an investigation regarding the inaccuracies you were notified of, however the inaccuracies are still reporting, therefore Equifax must delete each account for inaccuracies. Attached to this complaint is the document I sent XX/XX/2022 as well as proof of the inaccuracies reporting on my consumer report, circled clearly for Equifax 's convenience. The Fair Credit Reporting Act ( FCRA ) states that the banking system is dependent upon FAIR and ACCURATE credit reporting ( 15 USC 1681 ( a ) ( 1 ) ). It is disappointing and unfair Equifax would continue to report inaccurate information even after my thorough descriptions of each inaccuracy for each account. Because Equifax stated that an investigation was completed regarding these inaccuracies, I sent a document on XX/XX/2022 pleading that Equifax answer the following questions so I feel confident that their investigation efforts were not made in bad faith. What was Equifaxs method of verification for each account? with their method of verification, provide me with the names and testimonies of each witness that they conducted personal interviews with whether it be neighbors, friends, family members or associates. NOTE : an investigative consumer report shall NOT include information obtained directly from a creditor of a consumer ( 15 USC 1681a ( e ) ). Did Equifax verify that each furnisher for each account has the required SSA-89 form on file with my wet-ink signature? If yes, provide me with these verifications. Did Equifax verify that I, the consumer, consented to consumer reporting? If yes, provide me with this verification. Not only are these accounts inaccurate, I, the consumer, did not consent to or give my written permission for this information to be reported ( 15 USC 1681b ( a ) ( 2 ) ). I am again exercising my right to privacy, and it is Equifaxs grave responsibility as a consumer reporting agency to respect my privacy. ( 15 USC 1681 ( a ) ( 4 ) ). I am demanding that these accounts be permanently deleted from my consumer report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 XXXX account # XXXX, XXXX XXXX  account # XXXX, US DEPT ED account # XXXX, USDOE/XXXX  account # XXXX XXXX XXXX  XXXX  account # XXXX, XXXX  XXXX XXXX  account # XXXX, XXXX XXXX account XXXX XXXX, XXXX  account # XXXX, XXXX  account # XXXX, XXXX  XXXX account # XXXX, XXXX. XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX  account # XXXX, has violated my rights. 

You have VIOLATED multiple laws. 
15 U.S.C 1681i 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 an account without my written instructions.

You DID NOT have my written instructions to do so. If so, PROVIDE THEM.

I command that these accounts be permanently deleted from my credit profile or you will be held accountable and responsible for {$1000.00} per violation.

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 2022-09-22
Company: AMERICAN HONDA FINANCE CORP
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: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX # XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX  # XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, AMERICAN HONDA FINANCE 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 an account without my written instructions The following accounts are all fraud and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: JPMORGAN CHASE & CO.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
In XX/XX/2023 We received documents from lawyers stating our class action lawsuit was settled and we would receive a settlement payment added son to account in XX/XX/2023 received and signed disbursement documents in XX/XX/2023 received check from XXXX XXXX  and deposit in account said would be available in 10 days ok no problem then next day I go to buy groceries as this is my daily account and debit card won't work call chase and they say there is a restriction on my account due to the check hold went between lawyers and bank for XXXX hrs and lawyers say the bank needs to verify check by calling the number on the check ( which does trace back to lawyers and disbursement company ) but said its not in there system and cant verify and will be closing my account in XXXX XXXX  even if check clears unable to disburse my money due to not being able to call and verify check even though the number on the check is correct the bank on the check verified the account but the bank wanta to speak to the person that made the check but refuses to call the number and now i an unable to access any of my money not just the settlement chech but my paycheck that pays my bills and puts gas in my car the get to work and no one will help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To whom it May concern I hope this letter finds you well. I am writing to kindly request your consideration regarding a 30-Day late payment recorded on my account. I acknowledge and deeply regret this incident and wish to address it proactively. As a loyal and committed customer of XXXX XXXX, I would like to highlight my exemplary track record of timely payments in the past. This late payment in was an isolate event and does not reflect my financial commitment. I sincerely apologize for any inconvenience it may have caused. I eamestly request your kindness and consideration to remove those late payments from my payment history. I greatly appreciate your understanding and support in this matter. 
I provide below the details of my account for your reference : Account Number : XXXXXXXX As an additional measure. I commit to setting reminders and preventive measures to avoid similar situations in the future. I am deeply committed to maintaining a trusted relationship with XXXX XXXX and take responsibility for ensuring my payments are made in a timely manner. 
I sincerely appreciate your attention and consideration toward my request. I look forward to a favorable resolution and continuing to enjoy the services and benefits that XXXX XXXX provides to its valued customers. 
Thank you. 
Sincerely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 account is not mine and has not been used by me. This account is being reported on my consumer report without my consent

Company response to consumer: In progress
Consumer complaint received 2022-07-29
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Experian and XXXX Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/2022

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 2020-09-10
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
I purchased a sofa in Massachusetts with the situation of paying the total off by cash by the end of 1 year, and thereby all the interest, etc excused. 
I paid my monthly fees, but then stopped received notices about the payments and lost track of the situation. 

About 1.5 - 2 years after the original purchase, I began receiving emails that looked like scam to me from TD retail card services. As I was worried about scam, I didn't open or respond to these. I have attached these. After multiple monthly notices, I called the # listed on the emails. I ended up speaking with multiple parties until they directed me to a furniture manufacturer somewhere in the XXXX. I didn't know what to make of that, but eventually after a few weeks, realized that it might be the original manufacturer of the sofa. I then recontacted TD retail and told them I would be happy to pay off what I originally owed, but that due to the above circumstances, the fees and interest should be removed. They refused. After continuing to receive these notices I made 2 further calls with the same offer - to pay off my original debt, but to excuse fees and services, and each time received a refusal. Recently, as I was purchasing an apartment in XXXX, I was informed by the mortgage company of my credit score, and they were unable to issue me a mortgage, but said they would if my score improved. I have never had issues with bad credit, am a XXXX, and pay all my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
i made a payment for XXXX of XXXX they only credit XXXX then they reported me to the credit report agencies late i never been late in my life to any of my cards in 40 years now they cheated me out of XXXX and they reported me late to the credit report

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-02
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. In 2018 A family member used my information to start a lease without my knowledge or authorization. Ive disputed the collection account before but lacked the police report to make it valid. I now have a police report to turn in.

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 2022-07-02
Company: Exeter Finance Corp.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX during the XXXX XXXX  which caused us to miss several loan payments. Exeter Financial was unwilling to work with us stating that the account was too new to help put a payment to the back of the loan. Unemployment Claims were delayed to the massive spike in claims which delayed our ability to make a payment. 

I have sent two letters asking for a Goodwill removal. I also stated, that I would be willing to make up any of the late payments to help with the removal of the late payment on my credit report. Exeter Financial unwilling to work out any solution. 

As a consequence, my credit rating took a XXXX point hit making it harder to get by in these trying economic times. 

All of our other creditors Placed a " Affected by Natural disaster '' on our report.

Company response to consumer: Closed with explanation