BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } { Credit Bureau : XXXX XXXX XXXX  } { Credit Bureaus : ALL 3 } { XX/XX/2022 RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { XX/XX/2022 } and I noticed an unauthorized credit inquiry had been made. I contacted { XXXX XXXX XXXX  }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ XXXX XXXX XXXX  ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within XXXX business days of completing the investigation. Thank you for your assistance in this matter, { XXXX XXXX  }

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
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:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay.

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 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, 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 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 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account 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 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 2023-01-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Updated and introducing new information. I went to purchase a automobile and ask for them not to run my credit with multiple lenders. They did not listen resulting in un lawful inquires, making my consumer report inaccurate. 
In accordance with FCRA section 611 this company violated my consumer rights! 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX2

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I identified a fraudulent credit inquiry on my XXXX  report. A fraudulent hard credit inquiry occurred on XX/XX/2019. The inquiry shows up as ACE CASH EXPRESS XXXX XXXX XXXX , XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/2019 CUSTOMER XXXX via XXXXACE  CASH EXPRESS XXXX XXXX XXXX , XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/2019 I did not make this inquiry. XXXX  will not investigate and says it was a legit inquiry with valid information and they want a letter from Ace. Ace tells me they have no records of me in their systems - leaving me as the consumer stuck in the middle with no recourse or action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Affirm Holdings, Inc
State: AR
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Ordered ( 2 ) mattress and foundation sets from XXXX on XX/XX/2023. Delivery date was XXXX XXXX. XXXX XXXX  received on set, but said they hadn't received the other set. Then both XXXX and XXXX XXXX  kept promising dates but never delivered. I called XXXX and emailed them ( many times ), and never did receive the 2nd set, so I cancelled the second set. We charged these to Affirm while we are building a new home. After many emails, calls, and even speaking with them, I have not received the refund. Now Affirm is saying the " complaint '' I filed ( 3 of them now starting in early XXXX, is over the 60 days and they can't do anything. I told Affirm that I will not pay any more to their account until I see a refund, and sent XXXX the same message. They are both a bunch of inept customer support groups.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a Report on Well Fargo Fraudulent Forbearance Covid This is a complaint that I have been a victim of fraud by Wells Fargo. I will introduce myself Im a 25 year retired XXXX XXXX and accumulated rental property during my work XXXX XXXX  at a XXXX XXXX I have two mortgages with my rental property using Wells Fargo. Unfortunately I fell into a forbearance when the Covid hit and dealing with renters loosing jobs and my short term rentals not receiving income. I was basically in a cash crunch. I have been a very dedicated client of Wells Fargo since 2011 never missed a payment and for years paid over my mortgage bc I wanted a shorter contract. Unfortunately when the Covid hit listening to I felt from reliable people decided to get on the Wells Fargo Forbearance program. I asked questions and was told that this forbearance was an extension to my current mortgage. I noted later after getting my monthly mortgage statements they listed a second principal balance which what I assume my forbearance as a second principal mortgage. I thought that was strange and after my first principal was deducted I sent money on the second principal balance and they did not deduct from the second principal mortgage but only the first principal mortgage. I called in about it and they said that the second principal balance was due to house and urban developing loan that I got and they sent information on that. I never remember receiving anything from house and urban development. I later called wanting to please pay off that second principal balance repeatedly and told it was a VA loan and now a XXXX XXXX loan. It gets worse I call for weeks wanting to pay off the forbearance loan and told I cant they have to investigate this through phone calls which now I come through the point reading through Wells Fargo fraudulent history they could possibly doctor my calls and possibly drop calls. I was told they will find a resolution by Friday XX/XX/XXXX. Now finding a voice call they will not find a resolution until XX/XX/XXXX. My impatience has run dry with Wells Fargo and feel others need to know the reality of Wells Fargo fraudulent forbearance program. 

Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was an authorized user on this account and was removed. I have no other business with this account and demand for it's removal from my credit reports. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Resurgent Capital Services L.P.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Resurgent Capital is literally resurging debts that have been cleared. This is the second time in 2 years they attempted to collect on debts that were dismissed in a BK over 13 years ago. They have been told this, but here we are again. They are sending letters and nonstop calling threatening lawsuits and collections. But they are trying to get paid on debts that were considered closed. Its a shady business practice

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: CCS Financial Services, 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:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

"

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
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: Information belongs to someone else

Complaint:
This is XXXX XXXX and I am submitting complaints regarding the Fraudulent items I found on my updated Credit Reports. It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in below. I am a victim of identity theft and did not make these charges nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the XXXX items showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items listed below as soon as possible : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX Balance {$420.00} XXXX XXXX XXXX XXXX Balance {$1400.00} XXXX XXXX XXXX XXXX Balance {$420.00} XXXX XXXX XXXX XXXX Balance {$800.00} XXXX XXXX XXXX XXXX Balance Owed : {$580.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
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:
Problem repeatative. All credit bureaus claim to allow consumer commentary. Their own words - they DO NOT! Opinion by experience A Lie! ALSO disputes never resolved and continue perpetually. They then brazenly- out of no fear of this CFPB -close the report as similar. Here is the LIE- According to the Fair Credit Reporting Act, you may add a statement to a specific item on your credit report that sets forth the nature of your dispute. The statement will remain on your credit report for as long as the item appears on your report and will display to any potential creditors or employers who receive your credit history. You may prefer to simply explain your specific circumstance when you apply for credit or employment. 



To add a statement, select a commonly-requested statement from the list below. You may also contact us by mail to add a statement written by you or submit your statement electronically at experian.com/upload.THIS IS IT - WHAT THEY GOT THEY ALLOW! 

Delinquency due to natural or declared disaster. 
Delinquency due to extended unemployment. 
Delinquency due to job layoff. 
Delinquency due to divorce proceedings. 
Bankruptcy due to medical bills. 
I suffered bankruptcy due to business while I was self-employed. 
Bankruptcy due to business failure. 
Debtor has successfully completed a voluntary repayment plan of outstanding debts submitted by client and administered by Consumer Credit Counseling Services of ...

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 2018-08-28
Company: EQUIFAX, INC.
State: GA
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:
XXXX phone call was made I spoke with 3 different agents then they hung up. XXXX spoke with two agents that both said they transferring me to a special unit, however no one came and they hung up. XXXX I called again and spoke with 2 agents held on for 30 minutes they picked up asked my information dob ss address then said its two special units they have to transfer me the other

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any unauthorized inquiries which were opened without my knowledge, consent or authority. The following inquiries need to be removed as they are fraudulent. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2019-08-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
In the past when I financed an Auto Loan, Full Coverage was mandatory. Now that there are online options, this is no longer a requirement. Unfortunately I learned that I did not have full coverage after the car was totalled and filed the claim that Capitol One does not work with online Insurance providers ( XXXX in this case ) to ensure that when a customer applies for online insurance, they are not required to have full coverage anymore, even though the Auto Loan is financed. 

This was never the case and I have owned and / or leased 5 cars and we could not even fathom driving an Auto that was financed and not be fully covered. 

Hence this was rude awakening and I am payting the XXXX on the car, that is totalled, sitting in my garage. 

I am writing to ask that you look into this to ensure that other customers are forced to have Full Coverage, even when applying for insurance onlines. And that Auto Lenders are also required to protect the consumers by ensuring their VIN numbers are flagged.

Capitol One does not have a meaning full check in place to ensure they are covered and their consumer is protected. XXXX completely makes out because they do not have pay for damages. Capitol One claims that the check they have in place is to send a letter. They sent a letter and my address was input incorrectly so I never received the letter. And there was not another follow up so Big Banks and Insurance Companies win, Consumer does not get meaningful protection. 

So I have a totalled car sitting in my garage that I owe $ XXXX on. XXXX wins, they do not have to pay the damages. Capitol One wins, I am still forced to make payments and I know from experience, working at XXXX, XXXX, XXXX XXXX, XXXX, the goal is sales and the User Experience flows are not tested and this appears to be deceptive on purpose. XXXX could fix this and Capitol One should demand it. 

Consumer loses, they were not protected at the onset and didn't understand that full coverage was not required for an Auto Loan and assumed they were covered. I have had 5 auto loans and it was impossible to obtain insurance, when financing, other than full coverage. The new Digital Experiences find work arounds and hence, I would like this to never happen to another person. 



XXXX online website should be tested and user flows verified for many scenarios : Adding new insurance on a car that is financed should require Collision insurance. The Vin # should be flagged and if a customer tries to add insurance and does not select collision, the customer should not be able to proceed to obtain coverage. I had a Capitol One Auto loan and my daughter set up the insurance. I thought she had collision, because in my previous purchases of Automobiles with Outstanding loans Collision was MANDATORY. XXXX has found a way around with the gap in the online policy purchases

Company response to consumer: Closed with explanation