BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-29
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: Credit inquiries on your report that you don't recognize

Complaint:
I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: EQUIFAX, INC.
State: AL
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:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them.

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed. 

XXXX XXXX XXXX XXXX This account does not belong to me XXXX XXXX  XXXX account was never late it was paid as agreed XXXX XXXX XXXX account never late paid as agreed adressses that do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: Experian Information Solutions Inc.
State: FL
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:
The dates i started to write down are as follows : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( there were several more contact attempts/disputes that i deleted from XXXX ). Experian is reporting an incorrect balance on 4 student loans that have {$0.00} balances. I've called experian, I've submitted online disputes, as well as submitted a copy of the last statement showing the accounts are paid ( {$0.00} balance ). Experian has not done their job in verification of the information as they continue to show the wrong balances on the accounts. I've spoken with representatives and was lied to by the last rep who said the info was verified with the company XXXX. I've called XXXX and they confirmed the account has a {$0.00} balance. 

Experian is reporting I owe the following : {$5300.00}, {$7200.00}, {$5300.00}, and {$7400.00}. All incorrect!

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 2023-04-29
Company: T.S. Holdings
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
They failed to notified me on this information. This supposedly happened in XX/XX/XXXX and the Iq Data says it is XX/XX/XXXX and there was absolutely no notification of this depth. 
Also Iq Data is charging interest every month, In. Previous cmplete the state they are not a collection agency that is why they can charge these fees, this is a lie in violation. They are a collection agency and charging illegal fees to consumers. Where in the contract they claim to have say they can collect interested. They have failed to show proof of this, and provided this agency false information saying they are not a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: EQUIFAX, INC.
State: FL
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:
I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX & XXXX  Date of Inquiry XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was promised concert tickets so I sent the money via XXXX. Never got the tickets and have proof of the promise of tickets and my bank is unwilling to help get my money back because they say I did authorize it. Which yes I was stupid and fell for a scam but there should be no reason I can not get my money back

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 2023-04-29
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please refer to the letter that was sent to this company on XX/XX/2023 and the other attached documents for evidence of violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: EQUIFAX, INC.
State: NC
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 applied for an auto loan with XXXX on XX/XX/2022, my loan was denied due to Equifax reporting an incorrect score at that time. On XX/XX/2022 I was notified of this error via letter from XXXX. 

The incorrect reporting of my credit score caused me to have to finance a car loan at a higher interest rate than I would have been able to secure with a correct credit score. Additionally, I had to pay a down payment that I would not have had to if my loan had been approved with the correct credit score. 

I am disappointed that this error was not caught earlier and that it took almost eight months for me to be notified of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: SYNCHRONY FINANCIAL
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Institution Information SYNCHRONY FINANCIAL XXXXXXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX From : XXXX XXXX We found a new hard inquiry on your file Between XX/XX/XXXX, and XXXX XXXX, XXXX, an inquiry made by SYNCHRONY FINANCIAL was added to your credit report. 

Applying for a new line of credit will usually result in a hard inquiry on your credit report. You could also see inquiries from applications for a new apartment, phone or utilities account. 

Institution Information SYNCHRONY FINANCIAL XXXX XXXXXXXX XXXX XXXX OH XXXX ( XXXX ) XXXX I did not make these inquiries.

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 2023-02-12
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
IQ Data international , Inc. Sent me a collection notice XX/XX/XXXX XXXXAccount # XXXX with the principal amount XXXX interest amount XXXX with total due XXXX and threatening to increase the amount XXXX percent per annum. From a bill that was taken off my credit report from the apartment complex XXXX XXXX  XXXX. The account was removed from my credit report XX/XX/XXXX and increased my score XXXX points. I should not be receiving collections notifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
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:
In accordance with the Fair Credit Reporting Act " XXXX XXXX XXXX '' has violated my rights. 15 U.S.C. 1681 section 602A states that I have a right to privacy. 15 U.S.C 1681 section 604A states that a consumer reporting agency can not furnish an 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 2023-04-29
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
XX/XX/2023 - I have disputed a bankruptcy in my XXXX public records. My credit monitoring service has detected the us of my name and social security using the address XXXX XXXX XXXX, XXXX, North Carolina XXXX. I have disputed this bankruptcy with and address with LexisNexis. Both consumer credit reporting companies keep verifing this fraudulent activity after investigations. I have attached the Identity Alert from my credit monitoring service XXXX XXXX to show proof that someone is still trying to use my name and social security number on the DARK WEB and they are using the same address that is reporting on my LexisNexis consumer file. Screenshots attached to show proof. The information is not information relating to any transaction by me. THIS IS NOT A ERROR! 
15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-29
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: NJ
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:
XX/XX/XXXX I contacted Cardinal mortgage company regarding the status of an ongoing reanalysis of my escrow account that had taken nearly 45 day to correct. I was concerned about the delay because the payment might be reported late if not correct by the end of XXXX. I was assured by the company the payment would not be reported late if the matter was not resolved before XXXX. The matter was not resolved until XX/XX/XXXX. Cardinal reported the payment late and did not honor their words. The rep stated thr he would have it he late payment removed. I have a receipt to attest to this. It was not removed and remains. I have contacted Cardinal and the credit bureaus and it has not been removed or resolved despite proof. It has impacted my ability to get the best rate for a new home purchase. I have been trying to resolve this since XX/XX/XXXX. They will not correct the issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
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:
Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX  Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX Account Name : XXXX  XXXX XXXX Account Name : XXXX XXXX XXXX XXXX ACCOUNT Name : XXXX XXXX XXXX XXXX  ACCOUNT NAME : XXXX XXXX XXXX  These accounts Have Violated My Rights. 

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

15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any Consumer Report containing any of the following items of information any other adverse items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) : A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-29
Company: General Motors Financial Company, Inc.
State: AZ
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, has violated my rights, 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: CAINE & WEINER COMPANY, INC.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Continued to contact me by phone and email after I asked them not to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: Exeter Finance Corp.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Exeter Finance is reporting a chargeoff on my credit report, which means theyve written it off on their taxes and have sent me a 1099 which they have not. They have stated that I owe a balance and the insurance company has paid it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: SYNCHRONY FINANCIAL
State: ND
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Had an account with care credit, it was paid off. Then in 2023 the account popped up on my report as a charge off by XXXX XXXX for the amount I originally financed was approx XXXX that was paid off, then they state XXXX is owed. My credit was excellent and then this hit my score hard. You can see my record is impeccable and this is false reporting that is damaging my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a loan modification or other options to avoid foreclosure, but was denied help. My lender said I did n't meet the qualifications for 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 explanation
Consumer complaint received 2023-04-29
Company: ALLY FINANCIAL INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dear Sir/Madam, I am writing to dispute the repossession and sale of my 2022 XXXX XXXX XXXX XXXX I never received any notice that the vehicle was going to be sold, which is a violation of my rights as a borrower. 

According to the Uniform Commercial Code, a creditor must provide a borrower with notice of the sale of a repossessed vehicle. The notice must include the date, time, and place of the sale, as well as a description of the vehicle and the amount of the sale proceeds. However, I did not receive any notice of the sale of my vehicle. 

Because I did not receive notice of the sale, I was unable to attend the sale or bid on the vehicle. As a result, I was not able to protect my interests in the vehicle.

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 2023-04-29
Company: EQUIFAX, INC.
State: NY
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:
Per NYS law, paid collections over 5 years old must be deleted, and the credit bureaus are not following the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
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:
My Citizens Credit card ending XXXX was used fraudulently from XX/XX/XXXX- XX/XX/XXXX. I reported the transactions over the phone. Then, one week later I got a mail saying that my fraud claim was resolved. The letter contained only one transaction. I called again to check the status of the rest of the transactions, I was told that the initial agent who submitted the claim selected all the transactions but forgot to submit the rest and she only submitted one of the transactions and that was resolved. Then, the second agent told me that he would open a new claim and submit the rest of the charges on XX/XX/XXXX. Then, on XX/XX/XXXX, I got another claim saying that " We completed our investigation of the following claims : and based upon our investigation we have concluded no error occurred. '' I called the fraud department again after getting that mail, and they told me that they only report fraud, but the claims department makes the investigation and decision. They tell me that that department doesn't have a phone number and they would send an email. Also, agent XXXX told me that the second agent also made a mistake and he chose my card as it was in my possession. I guess that's why my claim was denied the second time. 

Then, on XX/XX/XXXX agent named XXXX from Claims Department called me and he acknowledged the both agents made mistakes and he told me that he would refund me the charges. Next day all the charges were refunded to me. However the other next day all the credits were reversed. 

After that, I have been sending call back requests from the fraud department, but no one calls me back. 

All the charges are still on my account and all the credits are reversed and I am rebilled. I am trying to reach XXXX from claims department,

but he doesnt call me back. There is no one to talk to about this and no way to reach the claims department. We have sent several emails but nothing back from them. I did not make these transactions. Please credit me back the transactions.

Company response to consumer: Closed with explanation