BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 had a XXXX XXXX XXXX and they switched to XXXX and started charging minimum fees if you did not use the card as soon as I noticed the small fee I called in to cancel the card and get the fee removed. I was reassured the account was closed and the fee was removed and the next month I got another email claiming my account was passed due. I called again and again the rep stated she would credit the fee and close the account. The 3rd month rolled around I got another notification and called again. Same thing, this time more minimum charges plus now late fees. Rep assured me she would handle it once and for all. I recieved a notification from the credit bureau the card was closed due to late payment they made derogatory remarks on my credit and they are still charging the minimum fees and late payments. I called AGAIN this is 5 months now. I spoke to a supervisor that had so much background noise now they are telling me I have to jump through hoops to get this removed. My husband and I are trying to buy a house. This XXXX has made my credit drop down XXXX points!!! I just want this fixed. I don't know what else to do. I even offered on the 3rd month just to pay the stupid XXXX minimum fee and move on but the rep said it wasn't necessary it was reimbursed and closed.

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 2022-11-06
Company: EQUIFAX, INC.
State: NC
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 XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # 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 instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Transunion has failed to respond to my initial dispute in a timely manner. it has been more than 30 days from my initial dispute and I have yet to receive any response. Transunion is in direct violation of the FCRA on multiple accounts including but not limited to sharing my non public personal information, furnishing a report without my consent or written authorization, Furnishing inquiries on my report that are not tied to any open extensions of credit or authorization from myself and assuring the MAXIMUM possible accuracy of the information pertaining to me and my consumer report. Transunion is in direct violation of the FCRA section 604A ( 3 ) ( a ), 15 USC 1681 ( B ) ,15 USC 1681e ( B ), 15 USC 1681B ( a ) ( 1 ) ( 2 ) ( 3 ) -a, and 15 USC 1681n ( a ) ( 1 ) ( a ) ( b ).

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 2022-10-08
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:
NOTICE OF BILLING ERROR. NOTICE OF VIOLATION OF PRIVACY. NOTICE OF IDENTITY THEFT. NOTICE OF FRAUD. XXXX XXXX BANK sold consumers non public personal information to EQUIFAX. Pursuant to 15 usc 6802 obligations with respect to disclosures of personal information covers disclosures that needs to be disclosed conspicuously to inform consumer and not force undue influence by way of XXXX XXXX XXXX willful noncompliance to the laws and disregard of consumers privacy rights. unalienable god given rights that the consumer will not waiver. Consumer was never given the proper disclosures required to make the proper decisions based on family personal household needs. Equifax breached its obligations to report fair and accurately on the consumers behalf by not performing its grave responsibility and being willfully negligent in acquiring the proper disclosures necessary to furnish such information. No written consent was giving to XXXX XXXX XXXXXXXX  or EQUIFAX. These violations to the consumer has caused severe emotional and financial damages that has hindered my natural progression and caused a restraint in trade and commerce pursuant to 15 usc 1. Show proof and prove that you have consumers written consent to steal and damage consumers life and take away liberties granted from GOD

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
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: Credit inquiries on your report that you don't recognize

Complaint:
There is a house listed on XXXX @ XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ( https : XXXX ) that denotes the listing as follows : " Newly built for a qualified Veteran! Not for sale to general public. Must be owner occupied by a Veteran. Small home never lived in. Washer and dryer and storage shed will be installed, truly one of a kind!! 

Listing Provided by : XXXX XXXX XXXX XXXX XXXX '' We contacted our relator who contacted the listing agent. The listing agent provided information to call to query if eligible related to the listing above. 

https : XXXX XXXX XXXX XXXX XXXX ' XXXX I called and spoke with this individual who simply identified herself as Jeanette. She did not indicate she was from a mortgage lender. She accepted information on myself and my wife with what I thought was a screening related to the house ( Veteran information ). She NEVER explicitly advised this was to pull a credit inquiry. She NEVER contacted my wife directly to consent to this inquiry. I was NOT aware this was for a mortgage application or loan as she never identified herself as such. My wife called her directly later in the afternoon after receiving an email that her credit had been pulled. She answered the phone with " Hello '' to which my wife asked " Is this XXXX. '' Again, never identifying herself as a mortgage lender. Once my wife realized she pulled our credit, she queried the reason as we were under the impression she was screening for VETERAN eligibility related to the house itself. 

My wife called again later in the afternoon ( with myself present, on speakerphone, with XXXX aware ) after checking her credit report via creditkarma. My wife explicitly advised her credit was pulled with her date of birth and social security without consent. Same for me. There was no formal application with signature on either of our ends. My wife had never even spoken to her. My wife asked if there was a way for her to report the mistake to the credit union ( s ) directly to which she admits this was all just " confusion. '' She promised to shred our information and delete the 'application ' from her system. Again an application neither of us explicitly consented to for purposes of a mortgage lender/financing.

PLEASE ADVISE. We attempted contact with credit union ( s ) directly but was advised we needed to submit report to either the police or FTC. The FTC website brought me to this website once choices were narrowed down per the issue. 

Thank you.

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 2022-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 sent a letter out on XX/XX/2022 to Transunion, XXXX, and XXXX. However, its been more than 30 days and the credit bureau failed to send my investigation back. This is not making sense. 

According to the law 15 U.S. Code 1681i Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency 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 the 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 reseller.

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 2023-08-19
Company: WELLS FARGO & COMPANY
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: Information belongs to someone else

Complaint:
On XX/XX/2023 and XX/XX/2023 I contacted XXXX via correspondence by mail to remove XXXX XXXX, Wellsfargo and XXXX XXXX XXXX XXXX off my Credit Report. I have contacted each company twice by a formal letter and over 10 times for each company via phone. I was a victim of identity theft and also provided all documents each company requested ; including the identity theft reports. I have provided the burden of proof numerous times and nothing has been done. As a result, I was released from my job do to these reporting on my credit and have been denied for 2 jobs. I am a leader in the finance industry. I have been denied for 3 homes for my family and myself. Law.states : As per the Fair Credit Reporting Act, Section 609 ( a1 ) ( A ), it is required by federal law to physically verify the original signed consumer contract for any accounts posted on a credit report This verification process is essential to prevent fraudulent accounts from being included in the reports. especially since individuals pay for these reporting services I have demanded multiple times to see verifiable proof ( i.e. : an original consumer contract with my signature on it ). Not one of these companies have complied and sent proof. This is my last attempt to demand these accounts are removed. If not, I will be suing each company and each credit bureau seeking maximum damages.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-25
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
On XXXX I walked into XXXX XXXX of XXXX and walked out with a brand new XXXX XXXX XXXX. 

On XXXX I was called back in to resign a whole new contract, lowering my total and monthly amount. 

On XXXX I was called back in again to try and add a co buyer or return the car. So I brought my brother in law with me to apply, he did, but was denied. They then told me I needed to empty my car out and return it to them. Ca state law says that after 10 days they become my lender, well they dont want to lend to me so the salesman reached in my car and took my keys out of the ignition and kept it from me. I was also told that if I left the premises with their property that they would call the cops on me. Which they did not, because when my spare was brought to me, I left with the car and no cops were called. 

On XXXX my first car payment was due. They would not provide me with an account number and never sent me a welcome letter with any info on how to make payments and where to make them to, so I made two money orders ( which I still have ) and took them down to the dealership, they denied my payment and said Id be receiving something in the mail from their business department, which I did not. 

On XXXX I took my car to XXXX to get a routine maintenance oil change, when I should be able to take it to the dealership to get it for free, but they bullied me so bad, that I was scared to take my car down there and leave it with them because then they could say I just surrendered it. 

On XXXX my car was repossessed from my apartment complex in the middle of the night. Leaving me with no way to work or make money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Last XXXX2021 I've sent documentation regarding to those inaccurate and unknown accounts on my credit report but I haven't received any response yet. I demand to DELETE ASAP those accounts or I will file litigation.

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 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, UT XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XX/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 2022-10-08
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT ( 2 ) ( A ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.

-- They DO NOT have my permission to report these LATE payments to XXXXXXXX XXXX on my consumer credit report. 
-- I Demand them to be removed and every violation of unauthorized information on my report is a {$1000.00} fine. 

-- Multiple letters have been sent over 90 days ago by certified mail to reporting agencies and XXXXXXXX XXXX  and return receipts have been received by me. 

-- These unauthorized reports of LATE payments are fraudulent and inaccurate information and my permission has NOT been given orally, in writing, or electronically to report these late payments on my consumer report and I demand them to 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 explanation
Consumer complaint received 2023-07-11
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Account ending in XXXX with Citibank is showing a balance due, this is pass statue of limitations and reporting 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 2023-05-07
Company: Experian Information Solutions Inc.
State: VA
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 certified that this account has never been late. I request the correct information be updated. Payment history and accuracy.

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 2023-02-17
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The purpose of this writing is to update your agency about the progress of Wells Fargo to make me whole under CFPB-0011 In the Matter of Wells Fargo Bank N.A.. 

As directed by your agency, if I did not hear from the bank by a certain time your instructions were to call the Wells Help number your agency provided. 

Wells Fargo has issued me a assigned case # XXXX by letter dated XX/XX/XXXX in acknowledgement that I am a customer harmed by their mortgage fraud. 

This information below illustrates the value of my financial loss. 
Sales record from the XXXX XXXX XXXX of taxes website :. 

The current Fair Market value is {$420000.00} Date of Sale Sale Price Book Page Condition of Transfer XX/XX/XXXX {$480000.00} XXXX XXXX XXXX  XX/XX/XXXX {$340000.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$360000.00} XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX {$160000.00} XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Note that since XXXX I had paid approximately {$100000.00} in mortgage payments to Wells Fargo N.A. of which documents can be supplied by a well respected financial analyst. 
Note that I paid cash of {$70000.00} toward the purchase of the home to XXXX XXXX. 
Note that all my personal property after the sale of of my home on XX/XX/XXXX was thrown into a few dumpster loads. I estimate about {$10000.00} of personal property loss. ( includes appliances, furniture, garden tools etc. and other personal property )

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 2020-08-05
Company: V and H Portfolio
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Collection agency Vance & Huffman purchased this debt from XXXX XXXX. The original date of this debt was XX/XX/XXXX. Vance & Huffman is deliberately re-aging this account to show it as XX/XX/XXXX in an attempt to affect my credit rating, cause denial of credit and to cause me higher interest rates & loan terms. I have asked them for all media pertaining to this debt as I have the original contract opened up in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-11
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: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, defamed my character and caused undue stress : XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX 12 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.

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

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

The reporting of these accounts is a violation as I have not given written consent to furnish, my privacy has been violated and I have reason to believe the data reported is inaccurate since they do not match across any consumer reporting agency. DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT.

Please send me an updated report upon completion of my request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-25
Company: Bridgecrest Acceptance Corporation
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
On XX/XX/XXXX I financed a car through Bridgecrest. At the time I believed that the interest rate was accurate at 26.314 %, however, on XX/XX/XXXX, upon refinancing the loan with another lender the interest rate dropped to 7.25 %. Bridgecrest would not work with me to lower the interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: EQUIFAX, INC.
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:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

Company response to consumer: Closed with explanation