BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1400.00} ), XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1400.00} ), XXXX, ( Date Opened : XX/XX/XXXX, Balance : {$830.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$5100.00} ), XXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$5100.00} ) XXXX XXXX XXXXate Opened : XX/XX/XXXX, Balance : {$3300.00} ), XXXX  ( Account number XXXX, Date opened XX/XX/XXXX, XXXX XXXX  {$290.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$160.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-10-12
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States i have the right to privacy.

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

15 USC1666B : A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: Experian Information Solutions Inc.
State: GA
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:
Hi I disputed 2 accounts with XXXX XXXX XXXX XXXX. I disputed this with Experian and with XXXX XXXX XXXX sometime ago and they refuse to valiadate this debt even Experian. I need to see a sign contract that I sign and promise to pay them for two loans. One loan is for XXXX and one for XXXX. They need to send me that promissory note.

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 2023-07-26
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
It has recently come to my attention that neither XXXX XXXX  nor its parent company XXXX XXXX XXXX. is licensed to collect any debts in XXXX XXXX  XXXX. XXXX XXXX XXXX was licensed by XXXX Department of Consumer Affairs ( DCA ) from XX/XX/XXXX through XX/XX/XXXX. 
The current status of this debt collectors license is INACTIVE. ( See attachment ) Business whose principal purpose is to regularly collect or to attempt to collect personal or household debts from XXXX XXXX XXXX residents MUST HAVE A DEBT COLLECTORS LICENSE no matter where the agency is located, including outside of New York State. XXXX XXXX nor its parent company XXXX XXXX XXXX is licensed to collect debts from XXXX XXXX XXXX residents ( see attachment ) and has no right to try to collect this alleged debt. Nor do they have the right to report attempted collection of this alleged debt to any persons through any mediums.

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 2022-04-27
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: Information belongs to someone else

Complaint:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$12000.00XXXX XXXX XXXXXXXX Balance : {$460.00} XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX Balance : {$240.00}

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 2023-08-31
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting 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, the following creditors listed below have violated my rights. 
15 U.S.C 1681 section 604 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 consent. 

Name : XXXX XXXX XXXX ACCT : XXXX BALANCE UPDATED : XX/XX/XXXX AMOUNT : {$1000.00} Name : XXXX XXXX XXXX ACCT : XXXX BALANCE UPDATED : XX/XX/XXXX AMOUNT : {$710.00} Name : XXXX XXXXXXXX XXXX  ACCT : XXXX BALANCE UPDATED : XX/XX/XXXX AMOUNT : {$760.00} Name : XXXX  ACCT : XXXX BALANCE UPDATED : XX/XX/XXXX AMOUNT : {$400.00} Name : XXXX XXXX  ACCT : XXXX BALANCE UPDATED : XX/XX/XXXX AMOUNT : {$570.00} Name : XXXX XXXX XXXX ACCT : XXXX BALANCE UPDATED : XX/XX/XXXX AMOUNT : {$530.00} Name : XXXX XXXX XXXX ACCT : XXXX BALANCE UPDATED : XX/XX/XXXX AMOUNT : {$1000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Experian Information Solutions Inc.
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:
Hello my address is wrong on my credit report it need to be updated XXXX XXXX XXXX XXXX XXXX NJ XXXX Experian XXXX XXXX I never lied at XXXX XXXX XXXX XXXX nj 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 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-26
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX used deceptive practices to issue an auto loan to me and my husband. After complaining to XXXX XXXX XXXX XXXX XXXX XXXX used Covid 19 Pandemic as an excuse to their predatory lending practices stating that the courts weren't open and further more lied by stating they pleaded with an Attorney to put a rush on having some documents signed. Not sure how many times this company has been deceptive to the public but we brought the XXXX in XXXX not XXXX so the information they are providing as an excuse is completely false. The full response is with the XXXX XXXX XXXX  XXXX XXXX XXXX and is completely false. XXXX XXXX XXXX XXXX originated this loan and then sold it to Credit Acceptance Corporation for monetary gain. XXXX XXXX XXXX XXXX did not act in the best interest of me and my husband as consumers but instead originated a loan so that Credit Acceptance Corporation could reward them with bonus checks for how much money the would be projected to make off me and my husband. Credit Acceptance Corporation uses software to project how much money they would make off of loans that are originated for consumers that could not offer them by tacking on unnecessary products/items. Credit Acceptance Corporation knew that me and my husband could not offer this loan through probability factors but still accepted it knowing that we would default, messed up credit score and ultimately end in reprocession ceasing wages and having to start the rurally cycle over because at the end of the day consumers need vehicles no matter what credit score, they have. CFPB and New York Attorney General are currently XXXX XXXX for being deceptive to consumers.

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 2023-08-18
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXXXXXX XXXX XXXXXXXX Balance : {$2200.00} XXXXXXXX XXXX XXXXXXXX Balance : {$4100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$7200.00} 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 non-monetary relief
Consumer complaint received 2021-01-11
Company: AUTOMOTIVE CREDIT CORPORATION
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 status incorrect

Complaint:
My account with Top Finance Co. was closed on XX/XX/17 and charged off. Top Finance Co continues to show this account as open. Top Finance Co. has subsequently increased the balance of this CLOSED ACCOUNT by {$100.00} every month for almost three years since this account was closed and charged off. As a result of Top Finance Co. fraudulently increasing the balance of this closed account, I have 32 late payments reported on my credit report for an account that was closed and charged off three years prior. This has occurred from XX/XX/XXXX-XX/XX/XXXX. Because Top Finance Co. has committed this fraud, this closed and charged off account currently reflects that it is delinquent or in collections ; having a SIGNIFIGANT impact on my credit report with all three credit bureaus. Top Finance Co. has also fraudulently reported 5 random payments on the account after the account was closed in XX/XX/XXXX and charged off, in which no such payments were ever made on the account. The term of the original loan before the charge off was 42 months, however Top Finance Co. has reported 70 months of payment history for this account because majority of the payment history was derived from their intentional fraudulent misrepresentation. All the foregoing is a violation of the Fair Credit Reporting Act ( FCRA ). I have attempted to resolve this matter with Top Auto Finance , Inc. multiple times, however Top Finance Co. continues to violate federal credit reporting laws. 

I want ALL fraudulent information reported on my credit report after XX/XX/XXXX, when this account was closed and charged off to be removed with ALL THREE MAJOR CREDIT BUREAUS ; to include late payments, increased balances, delinquency, and collections. There should be no activity reported afterXX/XX/XXXX on the account with Top Finance Co. as the account was closed and charged off. The ONLY status that should reflect on my credit report for this account with Top Finance Co. is CLOSED/CHARGED off from XX/XX/XXXX. 

In addition to the above mentioned facts, Top Finance Co. has started to report the same negative erroneous information previously mentioned under a company name of Top Auto Finance , Inc. with certain credit bureaus. I did not realize this until I looked at my credit reports with greater scrutiny and noticed the slight variation in name. I have NEVER had an account nor signed a contract with a company called Top Auto Finance , Inc. Please reference CFPB complaint number XXXX. Please advise if I need to amend my previous complaint as I never had an account with Top Auto Finance , Inc., only TOP FINANCE CO.

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 2023-07-26
Company: Experian Information Solutions Inc.
State: MO
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:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this 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 2023-04-19
Company: Experian Information Solutions 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: Personal information incorrect

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. 
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 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 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 2019-08-29
Company: Consumer Portfolio Services, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
On XX/XX/XXXX i purchased a used vehicle from XXXX XXXX XXXX XXXX XXXX XXXX in XXXX california for {$22000.00}. I put down {$2000.00} and financed the rest. I was financed by Consumer Portfolio Services Inc. in XXXX CA. The amount financed was {$22000.00} and the loan term was {$560.00} for 72 months. During the past 6 years I had the loan I deferred 4 payments due to financial issues. I haven't had any late or missed payment since XX/XX/XXXX. I have made a total of 72 payments, which were the loan terms, and yet when i go to my account it shows that my loan won't be paid off until XX/XX/XXXX and  I owe {$7200.00}! I have no idea why this loan isn't paid in full yet since my final payment stated in my original loan paperwork was to be XX/XX/XXXX. There's no way possible that I can still owe such a high amount after making all the payments on the loan. I have called several time to the lender to try and get an explanation and I never get a person, only voicemail. I leave a message and nobody ever calls back. I've also filed an online complaint through their website and have received nothing back from them. I don't feel that I owe anything more to them since i've made all the payments plus there's no way that the balance could still be so high. I also don't think it's legal for them to change the loan maturity date without my consent. To top it off, this car has been in the shop repeatedly since the first week I bought it to the tune of {$13000.00}! Currently it sits in my driveway and I can't even drive it. I need to get rid of this car but I can't because the loan amount never goes away! This company is a predatory lender and I want it to stop. I've fulfilled my end of the deal and then some, they need to deem this car paid in full and give me my title so I can finally get rid of this piece of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: TRUIST FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XXXX XXXX XXXX I received a letter indicating that Truist was closing my accounts per their decision, with no reason given. They indicated that a check for my funds would be mailed to my address after 10 business days. After a month the bank did not returned my funds, and a followup the the bank provided XXXX information on my balances or refund status. Additionally, the bank did not allow me online access to see that balance in my account balances are accurate and current. 

I filed a CFPB complaint on XX/XX/XXXX ( Case XXXX ) that requested the bank provide the following : 1 ) Current balances of all funds across all accounts being held by the bank 2 ) Statements from the previous month to ensure that no authorized transactions have taken place 3 ) All funds returned to me via check, as indicated in the original letter ; absent that, an accurate, and reasonable date of when they will be sent. Please note, banks are not allowed to withhold balance information from their clients. 

Truist responded to this by re-sending me the original closure letter stating the account was under review on XX/XX/XXXX. In the months to follow I periodically called their customer service line, however no additional information was provided. 

It has now been 9 months since the accounts were closed and 7 months since Truist 's response. No further information nor access to my accounts or account balances or statements has been given. 

I have spoken to legal counsel who informed me that Truist has been in violation of numerous federal regulations in the handling of this - from not providing me account information, to incorrect handling of ACH returns, to their communications not meeting regulator requirements. He recommended I take legal action, however I do not wish to go down that road. I simply want my money in my account returned to me immediately. 

This serves for all 6 checking accounts closed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 monetary relief
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian, has chosen to ignore and deny the FCRA Section 611 ( a ) ( 2 ), FCRA Section 611 ( a ) ( 1 ) ( A ), FCRA Section 605B, FCRA 609 ( e ), 15 USC 1611, FDCPA 809 ( b ). Furthermore to ignore and deny my rights of being a Victim of Identity Theft. Experian continues to violate FCRA by re-reporting an account that has already been Deleted and Removed. Experian has taken the law into their own hands to be bigger than Federal Law that governs them.

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 2021-01-10
Company: Santander Consumer USA Holdings 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: Credit inquiries on your report that you don't recognize

Complaint:
I went to XXXX XXXX to test drive a vehicle on XXXX XXXX, 2020. I left without purchasing a vehicle and continued to receive many notices of credit inquires days later after I had already said I did not want to purchase the vehicle.

Company response to consumer: Closed with explanation