BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-17
Company: Experian Information Solutions 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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from 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 2023-01-31
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-05-21
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:
I started to dispute my accounts with XXXX, XXXX and TransUnion since XX/XX/2022. I reached out to The Department of Education, and they informed me that they had not reported any late payments on my credit file and that I needed to dispute those late payments with the data furnishers. I sent the above three credit bureaus the first dispute XX/XX/2022 XX/XX/2022. They have never investigated this dispute and they are in violation of the FCRA.

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 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
In XX/XX/2023, I sent out certified letters to XXXX, XXXX, and Transunion requesting to have proof of how they verified negative information placed on my credit report, and I have not had a response to my inquiry. 

As consumer reporting agencies, they are supposed to fully investigate and be able to provide proof of their investigations before they place anything on a consumer 's personal credit file, and I believe that they have not followed the proper investigation process before placing these items 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 2023-08-06
Company: Exeter Finance Corp.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
To whom it may concern My name is XXXX XXXX XXXX on XX/XX/2021 I visited XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, Al XXXX. I visited the dealership in a bind and crunch to purchase a vehicle. I test drove a couple of cars and eventually was informed that I was financed for a brand new XXXX  XXXX XXXX XXXX  XXXX ( XXXX : XXXX ). I was rushed into the finance office and given a speed summary of the contract and finance company. As I would later come to find out after the cars transmission went out less than two weeks later. I had just signed a contract with Exeter Finance LLC at XXXX XXXX XXXX XXXX, Tx XXXXThe contract details really begin to come into reality for me that I had just signed away my life and have entered into a nightmare. The APR ( Annual Percentage rate ) is 28 %. Which first violates the Alabama law and code of Title 8 ( Commercial Law and Consumer Protection ). The Finance charge of {$22000.00} exceeds the amount of my car which is {$20000.00} to equal a total payment of {$42000.00} and a total sale prince including a down payment ( {$2200.00} ) of {$45000.00}. The contract was financed for a number of XXXX payments at XXXX Monthly with a late charge of {$18.00} or 5 % plus daily interest. I have since made a total of XXXX payments on the contract totaling ( {$9500.00} ) with XXXX extensions due to hardships ; and I still owe the original amount borrowed of {$20000.00}. on top of that the transmission has gone out twice. This loan is a prime example of predatory lending from subprime auto lenders that take advantage of every day citizens. It also violates multiple laws of the Alabama code and takes light of Alabama lawmakers It currently violates. Title 8 Chapter 8 ( interest and usury ) Section 8-8-1, Section 8-1-2, Section 8-8-12, section 8-8-10, section 8-8-5, Section 5-19-3, section 5-19-4 and many more. Exeter is very aware of the unconscionable interest rate as they have just settle lawsuit 's with the Attorney General of Massachusetts for the very same thing. And recovered of {$27.00} XXXX dollars and got the loans canceled and wiped off of the the consumers credit for the state. I know that Alabama sits in the same position to do the same thing for the consumers of Alabama. To show subprime auto lenders that seeks to take advantage of the Alabama consumer that we won't stand for it. I am seeking relief from this unconscionable, high interest rate, and usury contract under the laws of the Title 8 in Alabama Commercial Law and Consumer Protection. I have also emailed the contract to go along with this complaint. I am seeking the aid to get relief for myself as well as anyone else affected by this illegal practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : 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 XXXXXX/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 non-monetary relief
Consumer complaint received 2023-05-17
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-21
Company: National Credit Systems,Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
National Credit System XXXX XXXX XXXX XXXX, Ga XXXX ; XXXX XXXX XXXX  XXXX, XXXX, Ga XXXX XXXX I received a notice from National Credit System on XX/XX/2022 requesting payment for an alleged debt owed to XXXX XXXX XXXX XXXX I wrote to them on XX/XX/2022 via certified mail return receipt, requesting documentation for this debt. As of this date they have not responded or sent any documentation. I do not owe this debt! They reported this to the credit bureaus. My credit rating went from " Exceptional '' dropping to " Good '' which is two categories down and my rating dropped XXXX points because of their reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
The company transunion requested need they proof of identity and other information that they needed to process my request for identity theft. I have a supplied my police report, affidavit, and my rental lease agreement. Im still having issues with the same accounts are getting reported on my credit report. I am victim of Identity Theft and I take this serious. My personal information was stolen from a data-breach. As a consumer, I will like them to take action on those accounts. I have sent another request they should have received by XX/XX/22 certified mail. I have reached out to XXXX, XXXX XXXX and XXXX XXXX etc etc. they all agreed to stop reporting the accounts. Its been XXXX weeks and I still havent seen any updates.

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 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I have information on my credit report of wrong address and phone numbers and other information that is not my information. 

I have ask for a free report in which last year was not sent. 

It seems my credit report with the score is the run around. 

My next issue is all the wrong information on the report. 

I have written several times about my 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 explanation
Consumer complaint received 2019-09-01
Company: Freedom Mortgage Company
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Made a principal payment on my loan ( {$500.00} ) to be effective XX/XX/2019. Freedom Mortgage put the funds into an " unapplied '' account and did nothing with the funds until XX/XX/2019 XXXX the date my regular mortgage payment for XXXX went through ). 

Sent Freedom Mortgage a fax about this ( as they don't take questions about things like this over the phone ) on XX/XX/2019. Asked Freedom Mortgage to adjust the principal payment date to XX/XX/2019. Got a response, dated XX/XX/2019, which agreed with my assessment that the principal had not been applied correctly, and then stated that I should have written a more specific note on what to do with the funds on my check. This is very strange as I called in the mortgage payment and made it over the phone with a Freedom Mortgage employee. 

So, Freedom Mortgage implied that they were confused about the payment date for a spurious reason and then did not offer any resolution. Freedom Mortgage simply took several weeks to send me a letter informing me that they agreed with my assessment of what happened -- and then made no offer to do anything about it.

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 2023-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
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 was enrolled into a debt management program with XXXX XXXX XXXX in XX/XX/2023. Capital one is one of the creditors on my payment plan and they have been receiving monthly payment from XXXX XXXX XXXX on my behalf since XX/XX/2023. Part of the debt management program rules is that the creditors must stop reporting my account past due but Capital One continues to mark me past due each month. Ive disputed this with the credit bureaus and they refused to correct it and denied my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Wells Fargo bank decided, on their own, to convert our Simple Business Checking account to a Federal Agency Account. This happened on XX/XX/2018. We noticed this change with the following month 's statement. We called Wells Fargo and verified that we were not a government agency and confirmed with Wells Fargo that we were not eligible for this type of account. They stated that they would switch it back, but it may not show up on the statements until a month later. We waited two months and it still hasn't changed. On XX/XX/2018, we went to a Wells Fargo Branch, they claimed that they could change the account but as of XX/XX/2018 this hasn't been corrected.

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: Bread Financial Holdings, Inc.
State: CT
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 called XXXX XXXX to pay my bill even though I was expecting a credit from XXXX  commenity. The representative must have disputed the account number wrong because they keep reporting my account late even though I made a payment on an account that received a credit for the merchandise through returns we made. Please remove derogatory listings from my credit report immediately, as you are hurting my score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-17
Company: EQUIFAX, INC.
State: TX
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:
Hello, XXXX XXXX has reported 8 late payments on my account. 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. Account : XXXX XXXX # 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 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 item 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 relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06
Company: SYNCHRONY FINANCIAL
State: OH
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 had opened an account with PayPal Credit, at their invitation, and got approval of a limit of {$1000.00}. After approximately 2 months they dropped my limit to {$300.00}. Without explanation or advance notice. I saw that I had a late payment, but thru my fault by theirs. I had signed up for auto pay. but it did not take properly and their refunded my late fee. But still no explanation of credit limit drop. Two to three months and drop my limit when all other reports are in the positive. Account opened in XX/XX/2022 with XXXX limit and XX/XX/2022 down to XXXX. Last 4 of account number XXXX. This action dropped my credit score XXXX Points.

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 2023-08-22
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: Information belongs to someone else

Complaint:
My name is XXXX XXXX XXXX and I am sending this message in regards to credit agency TRANSUNION. It has come to my attention that my credit file has errors and I have contacted TRANSUNION through mail on XX/XX/2021 through certified mail # XXXX it was received by XXXX. TRANSUNION sent me a letter stating that the information I disputed was verified. TRANSUNION has a history of reporting erroneous inaccurate information on my credit report and I have the facts to prove it. The account I am disputing XXXX XXXX XXXX XXXX account number : XXXX. TRANSUNION is obligated by the FCRA to report accurate accounting. Consumer has advised ALL the inquires reported & XXXX XXXX XXXX XXXX is fraud and said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting TRANSUNION to provide the documentation used to determine inquiry was indeed authorized by the consumer, TRANSUNION has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an e-oscar report. if TRANSUNION does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. TRANSUNION Commission file number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, North Carolina XXXX i will be filing form XXXX treasury omb forms to audit consumers account. TRANSUNION is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER 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