BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-18
Company: EQUIFAX, 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:
Equifax ; XXXX and XXXX  are reporting incorrectly a charge-off in the amount of {$10000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This vehicle was defective. Shortly after purchase the transmission blew out. I returned the vehicle where it was purchased and it has since been sold at auction and sold for more than the debt owed. This account needs to report a {$0.00} balance. This incorrect reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-01-28
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
America First Credit Union will automatically be switching my free checking account to a paid account without my permission. Though I have the option to opt out, it is not ethical for them to enroll me in a paid program without my consent. I should not have to spend 45 minutes + of my personal time to get my account back to normal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: CA
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:
I have obtained and looked over a copy of my credit report for review and I noticed that there are some fraud accounts listed on my report. I have attempted to resolve this matter with the credit bureau to rectify this affair but they have been, dismissive and negligent in regards to complying with my request for correction. The disputed information is not related to any transaction made by me. These accounts and inquiries listed do not belong to me and are invalid. The disputed information does not relate to any transaction made by me. A copy of my drivers license, social security card, and FTC report. I have not had a good experience trying to resolve these issues. In the dispute I have highlighted key areas of importance in the colors red and blue. I wrote clear statement outlining the problem, accounts, what the violation is, how it was violated, what was not done to protect me, and references to support my standpoints with validity. I have requested my full information on file. The credit reporting agency has yet to send me the disclosures requested according to 15 USC 1681g : Disclosures to consumers ( a ) Information on file ; sources ; report recipients

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 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
i have asked Transunion on XX/XX/2023 for the method of verification per sec 611 of the FAIR CREDIT REPORTING ACT ( FCRA ) i have asked Transunion for real paperwork that backs up their claim of verified and updated response. Nothings tangible and real gets presented to me for my review. please help in this matter CFPB since trans union likes violating my Federal protected consumer rights. THIS INACCURATE ACCOUNT REPORTING IS HARMING ME AND ITS MAKING ME PAY MORE IN HIGH INTEREST IN OBTAINING GOODS AND CREDIT..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: CA
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:
I need to re-document and refile this grumbling to EXPERIAN. I kept in touch with them the errors of my credit report including dates of last movement, dates opened, dates detailed, and installment status. They professed to have led an exhaustive examination, in spite of the way that it its more of 30 days. As I checked and audited my credit report appears nothing has changed and negative move has been initiated. My privileges have been disregarded various times. 15 U.S.C 1681 segment 602 A. States that I reserve the option to privacy.15 U.S.C 1681 segment 604 A Part 2. It moreover states a buyer detailing office can't outfit a record without my composed guidance. I filed an FTC report with the report number XXXX as my formal complaint.

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 2023-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 for XXXX XXXX has violated my rights. 15 U.S.C. 1681 section 602A. States I have the right to privacy. 15 U.S.C. 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish an 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 2019-07-15
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I deposited a check on XX/XX/19 in the amount of {$4900.00} and it cleared without issue. The bank can not reverse it at all. By law the checks take 2-3 days to clear. But on XX/XX/19 my account was in overdraft by that amount. My bank uncleared the check for no reason and without warning. I filed a complaint, tried to follow up with the bank, and the sender, and got no real answer. I have proof of the check clearing on XXXX in my statements, so I do not understand why this is happening to me. 

In a response from Wells Fargo they basically say nothing. Why did they clear the funds? And more importantly, once the check cleared it was my money and they can not confiscate this money without due process ( i.e., a court order ). Just saying the other bank asked for the money means nothing and it is my right to sue them for this. They are taking my money away without due course and I will be seeking legal remedy. 

Furthermore, I demand my money back. An explanation of what happened and why is not sufficient after this gross injustice. The whole point of having a bank account is knowing that my money is safe, not to wake up one day with an insufficient funds notice because one or more banks decided to unclear a check after three months. 

Additionally, on XX/XX/19 I was told by a customer service rep ( XXXX ) over the phone that the check would be returned to me because I hadn't endorsed it. I thought it was illegal to clear and unclear checks like this. They can not take away the money that belongs to me after funds are credited to my account- at that point that is my possession ). 

To conclude, Wells Fargo describing this happened does not clear the issue. They took my money away based on a no reason given issuer bank demand - that is ( at least to me ) a violation of Federal clearing laws - all check clearing related matters are governed by Regulation CC which prescribes the rules for this under the law : under Expeditious return of checks. ( which gives 2 business days to return a check ) and Notice of nonpayment ( which also asks for two days limit for such notice that notice can be via returned check, a writing ( including a copy of the check ), or telephone.

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 2023-10-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to XXXX XXXXXXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX 's customer service representative 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 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I have accounts passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

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 2021-07-19
Company: PENTAGON FEDERAL CREDIT UNION
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Hello, I contacted Penfed ( Pentagon Federal Credit Union ) credit union early XX/XX/2021 for a refinance on an existing VA loan to lower the interest rate and payments on the existing loan. 

I was incline to take a Interest Rate Reduction Refinance Loan ( IRRRL ) with the Credit Union for two reasons ; 1. I was already a member and 2. The Rate Quote and the no closing cost. 

During the process I was told about closing cost .. and I usually corrected them with I believe there are no closing cost, and I was told ; by the refinance agent right " no closing cost ''. 

As the date came closer to the closing date I saw closing documents that had closing cost from {$1100.00} to {$45.00} and again I asked the loan agent, I have not been told about closing cost, nor did I ask to roll over any closing cost into the refinanced amount. I was again reassured that there would be no closing cost. The closing documents were corrected and it came down to closing cost, which came out to be {$45.00}. 
This refinance will create income for the Credit Union just by collecting the interest from the new loan. So I could see the Credit Union not having Closing Cost.

My complaint is that at anytime the agents could have said, there are closing cost but it was not straight forward and that is the complaint. I pushed hard for no closing and I reviewed the closing statement very carefully, and would bring the issue of No Closing Cost at every bend of the refinancing process. The document attached lead me to believe there would be no closing cost and even with all the disclaimers on it I went ahead with the processing of refinancing our VA loan, the credit union agent could have said anywhere in the processes there is going to be closing cost, and they didn't. 

Either I was lucky, or I pushed enough and as a result we only had {$45.00} in closing cost. Perhaps others can benefit from knowing this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX, Experian and XXXX do not have my consent, verbal, non-verbal, written, non-written to share my information with any financial institution. This is a violation of the Privacy Act 1974. 

According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law.

Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

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 2022-12-26
Company: General Motors Financial Company, 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: Account information incorrect

Complaint:
Dear Sir or Maam : Pursuant to the Servicemembers Civil Relief Act ( SCRA ) 50 U.S.C. App. Section 527, this letter is my formal written request to reduce the rate of interest to six percent ( 6.0 % ) for the above referenced account. 
I am currently serving on XXXX XXXX with the XXXX XXXX XXXX XXXX. I entered XXXX XXXX on Date, which was after after the time I incurred the above referenced debt. The SCRA establishes a six percent ( 6.0 % ) per annum ceiling on interest during the period of a servicemembers military service. This reduced rate became effective upon my entry to XXXX XXXX on Date, and shall be applied retroactively to date of entry to XXXX XXXX. 
Under the SCRA, any interest in excess of 6.0 % per year shall be forgiven. Additionally, any payments shall be reduced by the amount of interest forgiven which is allocable to the period of such payment. 

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Kindly correct the error on my account by removing the wrongful late payment notation. I have consistently made payments punctually and never defaulted. This situation is greatly affecting my well-being and disrupting my sleep. I urge you to address this issue and rectify my account 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 2019-07-14
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:
I have accounts reporting on my report that do not belong to me. I have tried to get them to remove it but they will not. 

XXXX XXXX XXXX XXXX - XXXX - {$29000.00}

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 2023-08-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2021-03-10
Company: DISCOVER BANK
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2022-12-26
Company: EQUIFAX, 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:
I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation