BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-12
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 2022-11-14
Company: Mercari, Inc.
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On XX/XX/2022 wanted to order some books for {$9.00} XXXX due to my XXXX and being on a fixed income in unable to pay until the XXXX of the month. So I chose the option to pay later and never heard anything elelse.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Starting XX/XX/XXXX until XX/XX/XXXX citizens bank has been calling my cell phone on an automated dialing system after they are closed and leaving multiple messages. The first call will end and an immediate second call will be received. Both attempts leave a voicemail. I called the bank on XX/XX/XXXX and asked for a supervisor to discuss their dialer methods. I as at first asked why I would need one then finally transferred. At no point was I given mini Miranda or fully verified and account information was given to me twice. They said they would escalate and I would receive a call even though the multiple calls were the issue. Did not seem to know what cfpb or occ was.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-16
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: Account status incorrect

Complaint:
My account had an outstanding balance of approximately {$370.00} ; XXXX payments from being paid off. This card was issued by XXXX XXXX, phone number ( XXXX ) XXXX via XXXX XXXX. My account was in good standing and closed once I made the final payment of {$370.00}. During this before I made the payment my bank account was compromised and I had to resolve that matter before I could pay my bill. During this time I notified XXXX XXXX of the situation and was instructed that my account would remain in good standing due to the extenuating circumstances. When my bank account compromise was resolved I made the payment in-full and thought all was well. Then I received a notification that my credit score had changed, so I'm excited because I just paid off this card thinking my score had increased. Much to my dismay, my score was negatively impacted due to negative reporting my XXXX XXXX. This was a total contradiction from what I was told was going to happen. I didn't work hard all my life just to have my credit ruined by some greedy corporate XXXX XXXX guy that has a silver spoon in his mouth from birth. I've served my nation and was taken aback by how XXXX XXXX treated me and I will never deal with 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 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. 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 non-monetary relief
Consumer complaint received 2022-01-29
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Purchased a XXXX XXXX XXXX in XXXX for XXXX (? ) XXXX $ down tax fees XXXX XXXX Orig agreement was with the dealership & somehow was transferred to Credit Acceptance & charged over 23 % interest w/a co-signer. Org. loan of XXXX $ XXXX $ or more @ XXXX $ mo.for XXXX. They repossessed the vehicle without any prior knowledge or attempts to reach me in XXXX of XXXXPandemic, in spite of multiple calls letting them know that we were experiencing financial issues. Previous payments had been made unlike they have falsely reported Since XXXX they have either not reported or incorrectly reported payments made on the loan to the XXXX credit bureaus. At one point there had been two account # s. connected to my account on their portal. After paying on this loan for XXXX & XXXX mos. they are reporting that $ XXXX is still owed & $ XXXX Is past due. Every mo they charge a late fee no matter when its paid, and even after payments of XXXX $ over XXXX $ that is required. I have tried to contact the dealership where it was purchased but they have never returned my calls. In desperate need of clarification on the limitations of interest charges, payments and the right to repossess a vehicle after incorrect /invalid information has been reported. The vehicle was sold with a major airbag recall that has since cost me over XXXX $ out of pocket expenses that I was given XXXX $ in reimbursement. Currently there is another recall for the same issue that is just as dangerous and the issue is not being resolved in a timely manner either. Stuck making outlandish payments for a vehicle that is XXXX old!!!

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 2022-01-29
Company: TAG Intermediate Holding Company, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
I purchased a vehicle on XX/XX/XXXX XXXX XXXX XXXX vechile identification number XXXX from Ganas Auto address XXXX XXXX XXXX XXXX Ca XXXX I payed XXXX I was in desperate need of car due my previous car was at the shop due to vandalism and pcm module computer was not working/ I made a claim with XXXX XXXX and need to report them too On XX/XX/XXXX the check engine light pop on, the heater stop working and the themther light came on every time I drove it longer then 15 minute When purchasing this vechile I called the police after paying my second payment on XX/XX/XXXX of XXXX. XXXX dollars Now today is XX/XX/XXXX I payed two payment of XXXX dollars on XX/XX/XXXX and XX/XX/XXXX I called several times about this car and how I want to a different car and they got over. Every week I complain to them spoke to the corporate and more and it just seem like a scam and more Can you help cause now I have loaner car but the payment time isnt right They want to now pay for collateral XXXX insurance when I have insurance full coverage on another vechile thats at the shop due vandalism and more This company is taking my money Cybercrime due my phone be hook up to car or usb cord charger connected to my phone and phone been having problems since I hook it up. 
The guy who gave me the loaner car even said this aint right Every time I call the XXXX or XXXX administration they give me run away and money they also advise me I have warrant coverage up to 11 months or depending on mileage I contact the company the insurance advised me to go XXXX XXXX on XXXX they even advise me to go back dealer cause they cant fix it due how many problems and codes the car had P00B7 insufficient coolant flow p0106 map sensor performance P0171 fuel trim system lean p0326 knock sensor performance p0324 knock sensor module performance P0420 catalyst system low efficiency p0496 EVAP system flow during non Purge P1101 intake air flow system Found coolant reservoir extremely low added about two quarter of water, XXXX XXXX for further diagnostic due to multiple codes Store XXXX XXXX XXXX XXXX Ca XXXX I took the car back dealer and the maintenance guy supervisor help me with loaner but the XXXX and company is getting over and just keep working me out my money, having me on bus paying payment and more Making me take time off work to come up there and have me walking around town I need your help this is a corporation scam They couldnt gave me better car They are working me out of money due to me being XXXX woman along with they hack my phone when singing on Bluetooth along with they continue tell me I got warranty but theres no warranty they want me pay for collateral insurance I have full coverage with different company They continue to have come up there every other week and there the ones who commuting these crimes

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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 2023-03-23
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I bank at US Bank and still do. On or about XX/XX/2023 I placed a check # XXXX in the mail for payment towards my peoples gas bill. Some time after this date the check was intercepted, washed and the payee altered to an unknown and unauthorized payee by the name of XXXX XXXX. The check had been altered from {$370.00} to {$4400.00}. This altered item cleared my account and the fraudulent amount of {$4400.00} was withdrawn from my account. 

I discovered the altered check upon reviewing my statement and I immediately attended a USBank branch and froze the affected account and moved the remaining funds to another account. Considering XXXX XXXX XXXX XXXX my children assisted with helping redirect my SSA payment and retirement deposits. US bank to this date has failed to reimburse be for the unauthorized withdrawal. I have completed all the necessary affidavits and statements to US Bank but have been provided NO response to my requestS for when Ill be reimbursed. I advised USBank that I dont know this person and didnt write this check to THEM. 

I am blessed to have the funds available to be able to pay my expenses but how many other victims are not as fortunate.. 

This has been going on for over two months I dont understand the delay and need the assistance. 

The US BANK account in question is 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 2023-03-23
Company: TD BANK US HOLDING COMPANY
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: Old information reappears or never goes away

Complaint:
I purchased a XXXX XXXX XXXX XXXX 
I ended up XXXX XXXX XXXX and fell in to a position to where I could not pay as I waited for my XXXX pay. It was repossessed due to my inability to work. 
This loan has been reported as closed for a few years now and every so often it is reporting as a new loan. The dates keep resetting and statute of limitations is XX/XX/XXXX. 
I would like this handled as it keeps ruining my credit reports after 3 times of repairing it. 
As a XXXX XXXX XXXX XXXX I am asking for relief for this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/XXXX, I filed a complaint with CFPB after Shellpoint reneged on a COVID-19 deferral. In the fall, Shellpoint declined to offer me a COVID-19 forbearance extension despite being qualified. At this time, Fannie Mae owned my loan. After the denial, I submitted on XXXX by email and fax all required documents. Approximately one week later, I spoke with a representative from Shellpoint who confirmed that my application for a loan modification was complete and under review. The call was recorded and can be retrieved for further investigation. On XXXX, I received a notification that " Shellpoint Mortgage servicing is the servicer of your loan until XX/XX/XXXX ''. " After this date, your new loan servicer will be XXXX XXXX XXXX. '' Please note that twice in 4 months, I was denied a XXXX forbearance and a loan modification. Shellpoint had no intentions of assisting me with a COVID-19 forbearance or a loan modification. The company remains strategic, vindictive, deceitful and discriminatory towards XXXX and the XXXX community. Shellpoint deliberately precluded me from being considered for a loan modification and an extended forbearance for COVID-19. On XXXX, I contacted XXXX XXXX to inquire about a COVID-19 forbearance extension or to be considered for loan modification. XXXX XXXX is only interested in monthly mortgage payments with no plan to offer a COVID-19 forbearance extension or to be considered for a loan modification. 

Shellpoint needs to be investigated thoroughly as well as XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 am submitting to you for the 28th time, serving both as a complaint and a follow-up concerning my upcoming credit report update within the next 15 days. This issue was initially raised in my complaint dated XX/XX/XXXX. As outlined in my previous correspondence, and in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), Credit Bureaus are mandated to remove any items not later than 4 business days after XX/XX/XXXX, as per the details listed in ID THEFT REPORT # XXXX. Regrettably, this matter persists, and I am reiterating it here for your attention. The following items require immediate removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00}

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 non-monetary relief
Consumer complaint received 2022-02-23
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I've received a copy of my Experian credit report and found the following items to be in error. I am being wrongfully denied credit due to this matter.

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 2023-08-17
Company: NRA Group, LLC
State: NJ
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:
In XXXX I made a payment to NTL Recovery Agency, who stated I owed {$130.00} to XXXX XXXX XXXX XXXX in New York. The account was removed from my credit report but appeared two years later stating the account was open in XXXX. I no longer reside at the address and have not been for three years. do not owe any money to this company. When I call to get verification of my debt they ask for and account number which they should have available as they are the ones stating i am owing that debt.

I filed a dispute with the three credit bureau, they sent back information stating the account is accurate but did not provide any documents as proof as requested. There is no contact number for this company and or any way to reach out to them. This is affecting my credit score. Please assist.

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 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 2023-05-21
Company: Sezzle Inc.
State: MO
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX Date of Birth : XX/XX/1986 SS # : XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act SEZZLE INC XXXX, has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit open-end consumer credit plan as late for any purpose.

Remove this late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 

Sincerely, XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: PA
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:
I am writing to address an ongoing issue regarding inaccurate and misleading information on my credit report, despite my previous dispute letter sent to your company. I have recently reviewed an updated copy of my credit report and regretfully discovered that certain information remains unresolved and continues to be incorrectly reported.

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