BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

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. 

Public Record XXXX  XXXX Bankruptcy Reference number # XXXX XXXX XXXX Account number # XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number 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.

Theses accuracies is stopping me from getting a new home for my family.

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 2023-03-07
Company: Experian Information Solutions 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:
CHECKING MY FILE IVE NOTICED ALOT OF INVALID DATA. THIS IS MY 2ND ATTEMPT I AM INTERESTED IN DISPUTING ALL INCORRECT INFROMATION SUBMITTED IN MY FILE. PLEASE REVIEW AN CORRECT INFORMATION LISTED ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: Bliksum, LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
In XX/XX/2018 {$75000.00} were borrowed from LoanMe and a bank draft was started in the amount of {$2400.00} for the passed twenty-five months. Thus far {$62000.00} has been paid and we called to find out our payoff amount and was told the payoff amount that we owe now is {$72000.00}. We did not expect these loan shark tactics and tried to reason with them. We believe it to be unfair after twenty-five months to have paid {$62000.00} and still owe {$72000.00}. The payoff amount is {$76000.00} seems to be illegal. 

This is putting an hardship on our family ; especially during this COVID-19 pandemic! We were told these people are very strong with powerful lawyers and will take everything we own. Can anyone help us? Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
In early XXXX I discovered that my identity had been stolen, and used to open several bank accounts at various institutions including Bank of America, I contacted them and informed them numerous times and told them of the fraud, they have said numerous times that they are closing these fraudulent accounts but they continue to keep them open, I contacted them again today and was once again told that they were going to close them only to receive an email indicating that unless I send them a very long list of confidential documents that would supposedly be used to verify my information, I dont feel that I should have to send my information to through the mail to. Verify an account that I did not even open..

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 2023-03-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account Number 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account Number 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account Number 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act U.S. DEPARTMENT OF EDUCATION Account Number 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 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 explanation
Consumer complaint received 2023-06-19
Company: Experian Information Solutions Inc.
State: GA
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 an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-08-25
Company: Veros Credit, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Our vehicle was repossessed by the dealership ( XXXX XXXX ) who sold the car but not the lender ( Veros Credit ) who we financed with. The vehicle was repossessed on XXXX XXXX by the dealership who still have not report it with the police department which they were supposed to within 1-3 hours. We spoke to the lender around XXXX XXXX  on XX/XX/XXXX if they had repossessed the vehicle which they had claim there was no repossession order out on our vehicle and asked if we would like to make a payment. The dealership texted us stating they repossessed our vehicle because we made too many late payments but not missed payments. The lender had no idea that the vehicle was repossessed by the dealership until we call to question them about it. That's when Vero 's Credit marked it repossessed in their system. We make the monthly payments to the lender not the dealership. We have been trying to speak to them regarding this and getting our vehicle back every day since XXXX XXXX but the dealership ignores our calls while the lender keeps telling us to deal with the dealership only. XXXX XXXX  repossessed our vehicle wrongfully.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
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:
I am a victim of identity theft, I recently checked my credit report and noticed some accounts that I did not open. I would like these accounts removed from my credit report, it is highly affecting my personal life. Per FCRA 6058, this information should be deleted ASAP, Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Received Statement closing date XX/XX/XXXX with {$38.00} credit balance and {$370.00} in cash reward balance. Try to used the card and didn't work. Called the Paypal Credit card customer service and was told the credit card has been cancelled. When ask about the cash reward, customer service says it is gone because we cancelled the credit card! This credit card has a credit limit of {$16000.00} and was only approved 3 months ago. I nicely requested please send the reward cash as I didn't close the account and was told they can't since it is closed and they can close account for any reason. I guess they can also close account based on race and gender then. Received letter stating " indicative of high risk of failure to pay '' as why account is closed. 
Let 's look at this in detail, of the 3 months I received statements before cancellation of the credit card, the balance at statement closing are XX/XX/XXXX {$920.00}, XX/XX/XXXX credit of {$70.00}, XX/XX/XXXX credit of {$38.00}, XX/XX/XXXX balance of {$0.00}, XX/XX/XXXX balance credit of {$26.00}. I have attached all 5 statements for your review and credit score of XXXX excellent from their website. 
I find it impossible to state the account was closed due to high risk of not paying where the 5 month statement balance average is {$150.00} with a credit limit of {$16000.00} and credit score of XXXX. That is 1 % credit usage on this credit card for the life of the card. If people are getting their accounts closed using less than 1 % credit usage and XXXX credit score, the 99 % of all consumer credit cards would be closed. The reason stated for closing account is not justified.

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 2021-08-20
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : DEPTEDXXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX DEPTEDXXXXXXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX DEPTEDXXXXXXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX DEPTEDXXXXXXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX-XXXX-Balance : $ XXXXDate Opened : XX/XX/XXXX DEPTEDXXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX DEPTEDXXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: FORD MOTOR CREDIT CO.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am writing today in regards to my Ford Account XXXX. I had previously sent in a request cfpb case # XXXX to which I got a response saying that they will make the information not available in the months of XX/XX/2020 and XX/XX/2020. It has been over three months and they have not followed through on this. It is still showing the late pays in XX/XX/2020 and XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-04-10
Company: EQUIFAX, INC.
State: AZ
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:
Settled an old collection account XXXX  # XXXX through XXXX XXXX XXXX XXXX XXXX Acct number with XXXX is XXXX. All 3 of of my bureau reports still show a remaining balance of {$1200.00} and is getting reported as late every month. When i call XXXX  listed on the credit report at XXXX They tell me i need to call XXXX XXXX XXXX about this issue. When i call XXXX and XXXX they tell me this is a XXXX issue to call them. I am getting complete runaround. I need this information updated as settled in full and show XXXX  balance on my report and stop saying i am late every month. I have disputed this through all 3 reporting agencies 3 times and it never changes the outcome. I have the letter from XXXX XXXX XXXX account # XXXX and still the 3 credit reporting agencies don't change the information. Help is needed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-06-19
Company: Experian Information Solutions Inc.
State: NE
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 one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

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 explanation
Consumer complaint received 2020-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Settled an old collection account XXXX  # XXXX through XXXX XXXX XXXX XXXX XXXX Acct number with XXXX is XXXX. All 3 of of my bureau reports still show a remaining balance of {$1200.00} and is getting reported as late every month. When i call XXXX listed on the credit report at XXXX They tell me i need to call XXXX XXXX XXXX about this issue. When i call XXXX and XXXX they tell me this is a XXXX issue to call them. I am getting complete runaround. I need this information updated as settled in full and show XXXX balance on my report and stop saying i am late every month. I have disputed this through all 3 reporting agencies 3 times and it never changes the outcome. I have the letter from XXXX XXXX XXXX account # XXXX and still the 3 credit reporting agencies don't change the information. Help is needed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-04
Company: EQUIFAX, INC.
State: WI
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:
Asked the XXXX  to verify account # XXXX filed XXXX XXXX and I checked they are still reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have a few inquiries on my credit report from unknown companies. I need these to be removed from 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 non-monetary relief
Consumer complaint received 2018-07-30
Company: Specialized Loan Servicing Holdings LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold three times in the short time that I have owned my home. I purchased my home in XX/XX/2016. The latest mortgage company is SLS Loan Servicing ( Company ) whose principal place of business is somewhere in Colorado ( they keep changing mailing addresses ). I have been trying for a year and a half to have PMI removed from my mortgage payment. I have spoken to them countless times and sent a few letters. I have met all of the criteria for having PMI removed from my account including authorizing ( and incurring the cost of ) an appraisal ( even though the original appraisal was only a year and a half old ). That I have to pay for an appraisal is doubly outrageous as I have provided a appraisals of properties in my neighborhood which clearly demonstrate an increase of $ XXXX over what I paid for my house. I have been waiting for the results of the appraisal for over XXXX months. I despise this Company. All it has does is jerk me around and delay, delay, delay.

Please tell me if there is some entity other than CFPB that has jurisdiction over this matter. I am at the point where I am contemplating filing a lawsuit against this Company, but again I'm already being XXXX   financially by having to pay for PMI which shouldn't be on my account to begin with, and an appraisal that isn't necessary.

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