BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-18
Company: PENTAGON FEDERAL CREDIT UNION
State: NY
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: Reporting company used your report improperly

Complaint:
have recently obtained a copy of my XXXX  credit report. It showed a credit inquiry by your company that I do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so under section 609, physical signature. Please have this inquiry removed from my credit  report because it is affecting my loan applications and making it very difficult for me to acquire 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 2016-03-08
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I 've never lived outside the state of XXXX and the report reflects XXXX addresses in XXXX XXXX, XXXX. I have never lived at that address, nor have I ever lived in XXXX. I 'm not sure what documents I could provide that I HAVE NEVER lived in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Public lien on credit report i have previously disputed to have it removed cause it belongs to someone else with the similar name and same last XXXX digits of ssn but the full name is incorrect, birth date doesnt match or know address as well as the full ssn are different.

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 2017-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
My credit dropped down XXXX-XXXX point in all XXXX Beauro report all of sudden. Nothing is changed and credit card balances are lower then ever. My credit score suppose to go up not down. I want to know why? Or something is wrong with the system.

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 2016-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX/ XXXX XXXX is continuing to report a 30 day late payment on my trans Union credit file after agreeing to delete negative pay history. The date of disputed payment is XXXX 2013 which was during transition to XXXX. I received a letter from XXXX XXXX agreeing to delete this.

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 2016-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
Transunion misled me when I was trying to access my credit report. It signed me up for their credit monitoring service when I thought I was getting my free credit report. They also did not provide a way to cancel the service online. I was ultimately charged {$1.00}, and had to call them to cancel the service. Had I not called to cancel they would have significantly increased the payments. Their website service is deliberately misleading.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX # XXXX is reporting a collection on my account that I should not have, I never received a 30 day right to dispute for this collection and furthermore when I did find out about it I then went and paid it but it is still reporting a balance. This is paid and I never got a notice about it before it went to collection.

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 2018-04-04
Company: EQUIFAX, INC.
State: MA
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:
Hi, I keep getting different calls from debt collectors saying I owe private student loans but I thought I paid those off and now I got a letter saying my IDENTITY WAS STOLEN!

Please help me get these off my credit report.

Someone said that if they don't have the fake loan paperwork then it has to come off my credit?

Also, my dad co-signed and he is a retired XXXX  veteran with a XXXX XXXX XXXX XXXX  rating from the VA. We've have copies of his medical records from his VA doctor 's and i've spoken to local District Attorneys that say all loans taken out before XXXX XXXX XXXX XXXX  awards are to be DISCHARGED from his credit report forever. he has no XXXX XXXX to do anything, let alone manage student loan payments. I have a copy from the Veterans Administration.

What should I do to get this resolved?

Thank you so much, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: Santander Consumer USA Holdings Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Chrysler Capital was paid on XX/XX/2020 for the full payoff of the lease. They refuse to close out the account, which is causing my credit bureau to show an open auto loan. My wife is not able to purchase a vehicle because of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-18
Company: Social Finance, Inc.
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Im becoming increasingly concerned with the servicing provided by XXXX for my loan originated with SoFi. In XXXX they raised my variable interest loan up to 7.18 % from 3.55 % the previous month. I notified them of the error and it was corrected down to 2.98 %. I didnt want to make a big stink about it going up XXXX % for a few days so I let that go after it was fixed. 

Then in XXXX I applied for an economic hardship ( XX/XX/20 ) forbearance as a result of medical bills I received. They sent me the form via e-mail & instructed me to return it via my dual authenticated account online. After I completed the form and uploaded it as instructed, they denied the claim without cause communicated to me. I reached out & they indicated said without an actual signature they couldnt approve it. I asked them for alternatives because I dont have a printer and didnt think it made much sense for me to go to fedex to pay for printing in the midst of a pandemic and while applying for an economic hardship forbearance. Further, working for a financial institution myself, I know theyve had months to figure out alternatives to solve for this exact situation so that customers dont have to leave their houses or interact with strangers in the midst of a pandemic. 

Despite their lack of assistance, I was able to have my fianc print the form I needed to sign & uploaded it with the requested signature a few days later. It was submitted prior to my due date & I received notification of the forbearance being approved on XX/XX/20 the same way i became aware of the denial previously. 

Despite the approval, they still took the money from my account. I called them and told them I needed the money & wouldnt be able to buy groceries unless it was returned. They told me they would process the refund immediately. A week went by, and my checking account was still over drafted because of the payment they took. I called back and they told me they actually HAD NOT processed the refund the week before, and would process it that day. At that point I reached out to my bank to file a dispute because the loan was in forbearance when they withdrew the money and i wanted the overdraft fees refunded also. XXXX botched the refund, and have now the set my principle balance higher than its been since XXXX despite the fact that Ive been making interest payments all along. I should not have to pay interest on the same principle balance more than once as a result of their mistake. Ive asked multiple times for the balance to be returned to the amount quoted in the forbearance agreement. 

Im concerned that their servicing contract with the federal government has made SoFi customers less of a priority for XXXX, and operational errors like this are more likely to occur moving forward with any additional volume.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Several disputes have been sent to Equifax in reference to several accounts. They have not sent any type of proof of what they are reporting so request were sent directly to the companies they were reporting. The companies have not responded to a direct request from me so Equifax would not have been able to get proof as well. How can they report information from a company that will not even send a response to me directly?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: Merchants Credit Corporation
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
they served my home when I was not home and left the documents with someone under XXXX they now have garnished my pay and the original medical bills were XXXX and they have garnished XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Over the past two years, I 've used a short term loan product from XXXX on 3 different occassions. In every instance, they 've incorrectly reported the accounts on my Transunion credit report. I 've disputed the accounts and had minor corrections made ( usually changing " open '' to " closed '' ) but the account keep being re-reported incorrectly. Recently, I received a report and saw XXXX closed accounts again reporting as open with balances and a large drop in my credit score. I want these accounts reported correctly or removed. This company 's business already skirts being legal and I would definitely call them predatory but to damage their customers credit so that their options continue to be limited is unacceptable. Here are XXXX example accounts with the problems noted and screen shots from their own web site showing the errors. 

1. ) Loan for {$800.00} opened on XXXX/XXXX/XXXX. Paid in full and closed on XXXX/XXXX/XXXX. Reports on my Transunion report as opened on XXXX/XXXX/XXXX with a high balance of {$1000.00}. Last payment listed as XX/XX/XXXX (?! ). Listed as open with a balance of {$330.00}. Last reported/updated on XXXX/XXXX/XXXX XXXX. ) Loan for {$600.00} opened on XXXX/XXXX/XXXX. Paid in full and closed on XXXX/XXXX/XXXX. Listed on Transunion as open with balance of {$480.00} and last payment on XXXX/XXXX/XXXX. Information last updated/reported on XXXX/XXXX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-14
Company: EQUIFAX, 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:
Im reaching out because on the dates of XXXX, XX/XX/XXXX, and XX/XX/XXXX, I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. XXXX  Equifax and XXXX  are still deciding to report illegal information on my credit file that could be as a result from my identity being compromised from Equifax data breach- that Im apart of or a mixed credit file of another consumer.This is an automatic FCRA violation of not properlyhanding my dispute properly because I provided them with documentation on my identity, which shows my address and full social security number. 
I never received any mail in response to this either. It like I am being ignored! From a XXXX search I know I have rights and reporting this information is a direct violation of my rights. The following needs to be deleted. 
Collection Agency : XXXX XXXX Original Creditor : XXXX XXXX XXXX   Open Date : XX/XX/XXXX Balance : {$2000.00} Collection Agency : XXXX XXXX  Original Creditor : XXXX  Open Date : XX/XX/XXXX Balance : {$230.00} Original Creditor : XXXX  XXXX XXXX Open Date : XX/XX/XXXX Balance : {$2700.00} Also, I know they are reporting addresses that I have never lived at.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX XXXX is reporting 2 accounts to my credit report that i do not recognize, i have tried to as them to verify/validate. this debt 4 times and i have yet to receive a signed contract for either account. XXXX has deleted thhem both as thhey are not able to verify/validate this account ... XXXX delteed one ... .transunion has not deleted. any ... .are. they not supposed to follow suite by law? i need this deleted immediately as they are in 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 explanation
Consumer complaint received 2020-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Transunion XXXX  have not updated my credit report for inquiries? I have just few documents that I'm going to send to trans union and  XXXX so they can update and have the current status on my diseuse.

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 2020-08-18
Company: T.S. Holdings
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I settled a debt with the XXXX XXXX  on XX/XX/2017 with the then manager XXXX XXXX. I moved out of the unit, and out of state, a month prior. Upon communication with management, I returned on that day only to resolve the balance. I have check images showing the final payment signifying account closure that are not included on IQ Data International debt collection invoices.

Upon initial contact with IQ Data International, the representative was extremely abusive, vulgar, and threatening. Upon my request for documentation, IQ Data International went silent for years and I am only recently seeing a credit dispute affecting my personal credit.

After no response from IQ Data International, I followed up with the leasing property management directly who were able to furnish additional documents, however, showed varying amounts on all ends and the specific manager recalled our meeting but claimed ignorance of any events that took place. There was further evidence of modified invoicing due to over invoicing for several months that went unnoticed by management and myself. 

In conclusion, the XXXX XXXX  have proven to have inaccurate record keeping ( varying amounts and invoices between IQ Data International and themselves ), and have merely pushed the account to an abusive debt collector because they are owned by a large conglomerate real estate magnate.

Both companies show an incompetence in proper business practices and should cease abusive practices towards victim residents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: EQUIFAX, INC.
State: CT
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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES that are inaccurate and were not my fault. Please remove the negative items from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
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: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1500.00}, {$8000.00}. 
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. 

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 

-- AUTO ACCOUNT -- 2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8000.00} -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 2020-08-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
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 disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: Experian Information Solutions Inc.
State: NV
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:
I am sending just few documents to experience so they can update my credit report. I have said numerous dispute forms and nothings been accomplished by experian.

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 2020-10-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/20 Portfolio Recovery Debt collection attempted to contact me for someone else 's debt, when confronted with this, they claimed 'someone else gave me your number ' and apologized, claiming they would not call me again regarding this debt. They used XXXX  ( XXXX  ) XXXX XXXX XXXX XXXX was the agent 's name. It was at XXXX XXXX  and from a XXXX, NC area. 

On XX/XX/20 I received another phone call from a Portfolio Recovery debt collection from a XXXX, WA number XXXX ( XXXX  ) XXXX. I attempted to call and was denied their address for a cease and deceased letter, instead told that 'lets see what we can do instead ' from their agent, whos name wasn't received or heard. She informed me that the number was 'the number given to them ' to call. She apologized, and stating that it should have been fixed in their system, not to call me the previous time. She said it should be fixed now. 

I have blocked this number, as well as the previous one, both were told not to contact me again. This is bothering me, as the debt is not mine and they are finding new numbers and locations to harass me from.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-22
Company: OneMain Finance Corporation
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 noticed unauthorized inquiries on my credit report. someone else applied in my name.

Company response to consumer: Closed with explanation