BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and XXXX, and I am pleading with you to remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX  XXXX To whom this may concern, I am writing to request the removal of unauthorized credit inquires on my ( TransUnion ) credit report. I recently retrieved my credit report and it showed ( 6 ) credit inquiries that I have no knowledge of ever authorizing.

I am writing to dispute the following inquiries and asking for their removal from my credit report. 

XXXX XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX Removal Date : XX/XX/XXXX ) -XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Removal date : XX/XX/XXXX ) -XXXX XXXX  ( Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX ) -XXXX ( Inquiry Date : XX/XX/XXXX XXXX Date XX/XX/XXXX ) -XXXX  ( Inquiry Date : XXXX XXXX Removal Date : XX/XX/XXXX ) -XXXX XXXX  ( Inquiry Date : XX/XX/XXXX Remvoal Date : 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 2023-05-25
Company: Incomm Holdings Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
On XX/XX/2022, I purchased a Vanilla Visa prepaid giftcard with a {$200.00} balance from XXXX XXXX in XXXX, OH. On XX/XX/2022, I registered the same Vanilla Visa prepaid giftcard online in my name. At that time, I created and opened a Vanilla Visa customer account using this prepaid gift card. Subsequently, I called Vanilla Visa to report the card was lost or stolen. The Representative placed a block on the card using the prepaid card number on my XXXX 's receipt. She confirmed the entire {$200.00} prepaid balance was still untouched and available. Then, she advised that per Vanilla Visa policy, they will cancel the card and mail me a new one. The Representative emailed me a Claim Form with a request for documents to complete, sign and return. On XX/XX/2022, Vanilla Visa sent a confirmation email that it received my Claim, Reference No. XXXX. Their confirmation email promised resolution in XXXX days at the very latest. But, nothing has happened. In 2 follow-up phone calls, Vanilla Visa XXXX said the matter was pending. I feel like they plan to do nothing and just steal my money. This is a violation of Vanilla Visa 's internal Claim submission policy and its card replacement policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: TRANSUNION INTERMEDIATE 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:
XXXX and XXXX are the same institution. 

Due to a recent transfer of government loans providers ( early XX/XX/ ), my student loans are duplicated by all 3 credit agencies ( XXXX, XXXX and TransUnion ). Current balance totalling {$100000.00} instead of {$50000.00}. 

XXXX sent me an official letter stating the issue they encountered with their system which I already provided to them. 

I have been contacting all 3 credit agencies online and by mail to correct the duplicated balance without having a successful outcome. 

This is affecting my ability to buy a house due the debt is showing on my credit report.

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 2022-12-20
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair credit report act XXXX XXXX XXXX XXXX XXXX  account number # 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. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit limit changed

Complaint:
Huntington offered a service called stand by cash. They did not say how often you can use this service, only that it must be paid back if borrowed from and if not, you can not use the service again until loan is paid and also it reflects your credit. I assumed if you paid what you borrowed on time I would receive a kindly report! But when I used the service paid my debt on time and sometimes early in full I received a unfavorable report that lowered my credit by XXXX points the exact gain I worked so hard to achieve to be approved for my home upgrade loan I needed to install desperately needed XXXX XXXX  for my XXXX  and install a XXXX XXXX and XXXX  for my XXXX XXXX and other degrading conditions!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: EQUIFAX, INC.
State: AL
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:
Equifax I submitted documents to your company 7 months ago advising fraudulent accounts on my credit file. Let me start by saying I live in XXXX. XXXX, Al and have been all my life. Now these documents I submitted back in XX/XX/2022. And as of XX/XX/2022 these items are still on my credit file. I want them rovef ASAP, else I will file a Legal Law Suit. Enclosed is my ID Alabama, police report, and proof that these accounts were open up in. XXXX XXXX Nevada and a address reporting on my credit file is fraud. Please remove ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: T.S. Holdings
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:
Apparently somebody was able to get a whole apartment in my name. Without being mean they must have had some type of fake. ID or something I talked to the apartments and they were completely lost and did not know what to do they said that they would contact me back in. A couple of days and they did not I called them. And got an answer and was told that I would get a call back once again. I did not I have dispute it. This collections on my credit report several times to each credit bureau and it is still on there despite. Me never living out of california and apartment is in another state

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20
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:
Fraud Inquiries On All Three Credit Reports 1. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: RSI Enterprises, Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have an old account with RSI enterprise that was opened on XX/XX/2019 in which I never received a bill. No one tried to contact me or let me know that I owed on this account. I called them when I noticed that my credit score had dropped. They then told me that I owed on an old account. I asked them which address they were sending the bills to and it was not an address in which I had resided at. I agreed to pay the debt if they deleted the collection record which they did not. I am now trying to purchase a home and this derogatory mark on my credit is have a negative impact on my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
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:
After repeatedly trying to explain to Credit Acceptance that the account in question did not belong to me, the company refused to update their system and remove the car payment from my name. Despite informing them of this, they continued to report delinquent payments on my credit report and harassed me with calls regarding payment for an account that was not mine. I argued that the person who is responsible for the account should be the one to make payment, not me.

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 2023-02-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX # XXXXXXXX XXXX XXXX XXXX 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 2023-08-01
Company: HYUNDAI CAPITAL AMERICA
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 existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-08-01
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
- Transferred my money from a joint bank account to XXXX XXXX after a divorce as we needed to close the account. 
- Closed the joint account after the divorce. 
- Opened a new bank account to transfer my money back to. 
- XXXX locks my account and restricts access to my funds. 
- 7x Calls to apple with different reasons. 
1 ) They can't verify my identity with my phone number and told me to call my carrier to see if my name was attached ( I did and they confirmed everything was correct ) 2 ) They mixed up my old credit account with my ex wife. 
3 ) They don't know. 
- They told me there is nothing they can do and the only thing I can do is wait despite offering any confirmation. 
- XXXX is the amount in total.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Convergent Resources, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On Monday XX/XX/XXXX I cancelled my service ( a cellphone line ) with XXXX. I requested that the cancellation be effective immediately, which I believe did not happen. I also asked whether I would be receiving a bill and was assured that I would not. Weeks later I received a XXXX bill in the mail stating that I have a past due balance of {$100.00}. I have tried calling customer service to dispute this bill but they have refused to help me because I do not have a pin code that they need in order to access my account. I asked to speak with a supervisor and the sales associate refused to get a supervisor on the line. I have been repeatedly failed by XXXX over several years, as my brother has continuously accessed my account and made changes on my account despite all the security protocols XXXX assured me they would put in place to avoid this issue. In XX/XX/XXXX I cancelled 2 lines ( I had a total of 3 lines ) and XXXX convinced me to not cancel the 3rd line so that my brother could take ownership of his line. He never did so the responsibility fell on me. Since XX/XX/XXXX the phone bill has fluctuated every month and XXXX has not even allowed me to see what they are charging me for because I do not have the pin code. This whole experience has been extremely stressful and I refuse to give XXXX any more of my time and money. I do not want to go the legal route and I am hoping that this can be a helpful means to avoid this issue going any further. I have excellent credit, have always paid my bills on time, and have never had any bill go to collections. I need XXXX to take accountability for their lack of security protocols and poor customer service.

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 2023-08-01
Company: EQUIFAX, INC.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
My account should not show any late payments because I have always paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent the letters to 3 credit bureaus the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. that means the 3 credit bureaus has NOT complied with the Fair Credit Reporting Act Law. REMOVE OR BLOCK THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$850.00}, XXXX XXXXXXXX XXXX Opened : XX/XX/XXXX Balance : {$610.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00}XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$110.00}, XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$1000.00}XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00}, XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$490.00}, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$580.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have been going through financial difficulties and recently lost my job as well which exacerbated my situation. 
I kindly contacted all of my credit cards asking for some financial relief. 
However Barclay refuses to work with me. The only options they are offering is to settle for less than full balance which, although nice, requires me to pay within 3 months which is well beyond me in my current financial situation. 
I chatted with them on their website multiple times and each time they claim they can not offer me anything and ask me to call, but when I refuse to call and get bullied. 
I need a payment plan and lower my interest rate on my current balance in order for it to be doable. 
I explained to them I am trying to regain my financial stability but if my payments and interest is too high I will be forced to declare bankruptcy and wont be able to pay anything, but they did not care. 
I am a mother with XXXX young children at home and it is extremely cruel of them to do this, unlike the other card issuers whom were very accommodating. 
I owe {$13000.00} to them and the balance keeps growing

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 2023-05-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX 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 inquiries. 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: Nelnet, Inc.
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have XXXX plus student loans. All of them are on a IDR plan except one. That one should also be on the IDR. Ive been trying to contact Nelnet to understand why the one is not, I can not get through to them. Their wait times are nearly 2 hours long. So my issue is 2 fold 1. I cant get in touch 2. The one loan should be on IDR and needs to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital 1 reported a late payment in XX/XX/2020, I've never been late on this account before or since they reported this. 

Acct number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Experian Information Solutions 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:
I have carefully reviewed my credit report in Experian. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that this company has a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please correct this account ASAP : 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