BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion, XXXX and XXXX is obligated by the FCRA to report accurate accounting. Consumer had advised all the inquiries and said derogatory reported was fraud. said company had 4 days according to the LAW to remove such items. FTC Fraud report was filed on behalf of consumer, consumer is requesting TransUnion to provide the documentation used to determine inquiry was indeed authorized by the consumer TransUnion has 15 days to provide me with name of the person spoken to, documentation used, signed application with consumer wet ink signature. I am not asking for a XXXX report. If TransUnion, XXXX and XXXX does not have documentation to show these were in fact authorized it must be removed asap. Said company is liable under the SEC to follow certain rules.

" See Attachment '' for All Accounts and inquiries 1681 section 604 ( a ) section 2 states that " In general subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. 
The financial institution and the consumer Transunion do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent TransUnion whether it be non-verbal, verbal, written, implied or otherwise revoked.

15 USC 6801 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a non affiliated third party unless- the consumer ( me ) is given an explanation of how the consumer can exercise that non disclosed option. They never informed me of my rights to exercise that nondisclosure option.

Every consumer reporting agency shall maintain reasonable procedures ' designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. XXXX and Transunion are not maintaining reasonable procedures. 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 '' According to the Fair Credit Reporting ACT 1681 section 602 ( a ) states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and respect for the consumer right to privacy. TransUnion are consumer reporting agencies and I am the consumer.

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 2023-12-11
Company: DISCOVER BANK
State: OH
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 sent numerous written correspondence and submitted payments. Discover has violated my right 's under the terms and conditions they granted me at the time of the account opening. The credit reporting agencies violated my right 's as well. According to 15 USC 6505 - 8 Not only was my right to opt out violated, but my right according to 15 USC 6802-5 with respect to obligation with respect to disclosures of personal information was violet also. I sent a letter to which I did not receive any type of response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05
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:
TransUNion 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. 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 2022-11-28
Company: EQUIFAX, INC.
State: NC
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 NUMEROUS 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 items 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 : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX

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: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have a lot of dates XX/XX/2023. XX/XX/2023, XX/XX/2023, Also I have others thats old to I have them uploaded these are inquiries thats on my credit sesame my TransUnion! I didnt apply for anything someone stole my identity!

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 2023-06-02
Company: PNC Bank N.A.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
yes, I have already gotten my new card and i'm still seeing one more Fraud transaction on my account! and I have tried to call to get this fix so many times and they keep saying that were gon na take care of it but nothing ever happen and i'm spending more time answer non sense question. I don't know how you guys are being trained but this fraud transaction need to go! 

XXXX for XXXX on XXXX XXXX XXXX 

and please train the last XXXX agent i spoke too but they have been wasting my time on the phone when i could have been doing something else. what a great way to raise my stress level!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-13
Company: Experian Information Solutions Inc.
State: LA
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 reporter act XXXX XXXX Loan amount XXXX XXXX # XXXX Date : XX/XX/XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX has violated my rights15 USC1681 section 602 8 states I have the right to privacy 15 USC 1681 section 604 a section 2. It also states a consumer reporting agency can not furnish your 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 2018-10-13
Company: General Motors Financial Company, Inc.
State: IN
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 had to exercise my option to defer ( extend ) payments to the end of my loan, in the summer of XXXX and XXXX. GM Financial has reported both the XX/XX/XXXX and XX/XX/XXXX payments as over 30 days on my credit, both with XXXX  and XXXX XXXX. I contacted GM Financial in XX/XX/XXXX to dispute the most recent reported late payment. After looking at the situation, they told me the deferment ( extension ) was processed after the payment was 30 days late. I reminded them that I had submitted the proper documentation and the payment to process in time. I called to follow up the next day, after submitting both the paperwork and the payment to ensure everything had been received. Their system was down that day ( Saturday ) and they could not tell me anything until the following week. I was assured it would be effective dated for the receipt date. The person in XXXX told me to file a dispute with the Credit Bureaus. I did that XX/XX/XXXX. The reporting for the XX/XX/XXXX was removed upon the resolution of that dispute. The next month, XX/XX/XXXX was reported again as late. I called GM Financial on XX/XX/XXXX to, again, go through the long process of explaining everything to hear the same responses. Finally, a supervisor assured me she was going to review it with the credit reporting team and get back to me the following week. Last Saturday, XX/XX/XXXX, I finally had time to call to follow up, after getting absolutely no response in over a month. I had to, once again, explain everything to be told the same responses, along with another supervisor telling me what " I '' would have to do to correct it. I explained in very clear terms, my next action was to file a complaint through CFPB. I asked him the time frame he needed to get a response from the credit reporting team. He said Wednesday, which was XX/XX/XXXX. I have not heard or seen any response. I purposely waited another couple days, in case something came up, preventing a timely response. 

I, now, would like to have both XX/XX/XXXX and XX/XX/XXXX removed from my credit report as late payments, since both payments were placed at the end of my loan, causing me to pay additional interest on the loan, and delaying my payoff date. I have spent hours trying to get this corrected. I have been denied a personal loan, because of these reporting issues. That personal loan would have allowed me to pay off the last of the negative issues on my credit, therefore raising my credit score to the point I could effectively trade in the car and have GM Financial paid off. I feel I have been more than patient and fair minded in my attempts, while being met with resistance, red tape and absolutely no follow up by GM Financial.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: UT
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
A XXXX security salesman had me sign up for what I thought was a regular XXXX account but it was in fact a credit account with Citizens Pay. After my account was approved I realized what was going on and cancelled everything with the XXXX security company and nothing was installed or charged. 

I now have an open line of credit I do not want with Citizens Pay. I called and asked them to close the account and they said that it would take a couple of days. I got an email a couple days later verifying that my account was closed. I logged into the portal and can see that there is still a line of credit of {$6000.00} with a balance of {$0.00}. 

I called again and they were confusing but said my account was closed but that the credit would still be available for me to use. I said I do not want this credit available and would like to completely close the line of credit. 

They said they can't do this with no reason given and so I asked to speak to a superior and they said there was not one available. Another note is there was never a balance or a charge that could have potentially prevented this line of credit from being closed. 

At this point I have a line of credit with a bank I do not use and have to monitor it for potential fraud because they refuse to close it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Strategic Alliances, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The debt collector called me on XX/XX/23 and said this was a " financial matter '' I told him I was not interested and hung up the phone. He called me again on XX/XX/23 and said this was a financial matter. I said I was not interested in buying anything. He said he wasn't selling anything and he worked for XXXX and wanted to collect on a debt I owed. I explained that I know you are a third-party debt collection agency and you don't actually work for XXXX, and besides, the debt I allegedly owed was already handled by my insurance company. He did not give any disclaimers that this call was an attempt to collect a debt. He misrepresented himself as working for XXXX when in fact he works for a XXXX party collection.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: Southwest Credit Systems, L.P.
State: MD
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: Problem with personal statement of dispute

Complaint:
Sw Crdt Sys ( SW CREDIT SYSTEMS INC. ) add a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold and i am no longer responsible for this account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contact, signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mines. According to the FCRA, Sw Crdt Sys ( SW CREDIT SYSTEMS INC. ) has violated my rights as a consumer and i'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the inquiries that are erroneous in my file and need investigation : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
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: Their investigation did not fix an error on your report

Complaint:
I sent a letter requesting last XX/XX/2023, that you reinvestigate the disputed Accounts from my credit report as well as update/correct these Accounts from my report during the investigation period. As of this date, you have failed to respond to my request. The account are listed below : XXXX XXXX Balance : {$6600.00}, XXXX XXXXXXXX XXXX Balance : {$440.00}

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 2022-04-27
Company: Bread Financial Holdings, Inc.
State: WA
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:
Who, What, When, Where, Why, and How?

I am Authorizing this Dispute I was contacted by a notice by CB/Express attempting to collect a late payment debt that I am unaware of seeing that I always make my payments ontime so I am not agreeing with this information. They reported negative and defaming information to my credit report beginning XX/XX/2022. I have not received and sufficient information in order to validate this matter. I do not agree with their actions. i have challenged the accuracy and integrity of the information. 12 CFR 1022.41 ( a ) States Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

12 CFR 1022.41 ( d ) States also Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX was a collection removed from my credit report ( XXXX, XXXX, XXXX ) on XX/XX/2021. This debt was deemed inaccurate all credit bureaus and XXXX XXXX XXXX  we involved in the investigation when this collection was disputed from my credit reports and just recently it has now been replaced or reported back on my credit reports with no explanation or reason why it should be reported. This is inaccurate and has already been removed before and is against my fair consumer credit rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Transunion is reporting incorrectly that I am 30 days past due on XXXX XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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: 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:
This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XX/XX/XXXX Inquired onXX/XX/XXXXXXXX Inquired on XX/XX/XX/XX/XXXXXX/XX/XXXX Inquired on XX/XX/XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX : {$0.00}XX/XX/XXXXXXXX XXXX XXXX XX/XX/XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, AL XXXXXX/XX/XXXX Inquired on XX/XX/XX/XX/XXXXXX/XX/XXXX Inquired on XX/XX/XX/XX/XXXX Inquired on XX/XX/XX/XX/XXXXXX/XX/XXXX Inquired on XX/XX/XX/XX/XXXXXXXX Inquired on XX/XX/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 2023-08-29
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
Missing information unavailable to fully verify the debt

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 2023-10-23
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My loans were due XX/XX/XXXX. I made a payment on XX/XX/XXXX and got a confirmation number. I never received anything about the payment not going through. I logged in to update my public service loan forgiveness paperwork on XX/XX/XXXX and saw I had a past due. I immediately paid it even though I had a confirmation number from XX/XX/XXXX as I didnt want it to affect my loans. 

I immediately called MOHELA and as of right now have been on hold for four hours and 15 minutes. They have no call back option and no information on how long the wait is. I am genuinely concerned with how difficult it is to get any assistance in this type of issue. There is no other means of contact for MOHELA and to be on hold for over 4 hours is absurb.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief