BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-29
Company: Experian Information Solutions Inc.
State: TN
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 filed a dispute to the three credit bureaus about a bankruptcy REF # XXXX being reported on my file and all the agencies responded that they validated the information with court. So, I wrote the court and asked them how they validate information being reported to the credit bureaus and their response was, ( we do not report to any case information to credit bureaus ). See attached response. So either all three credit bureaus made a clerical error in their response to me, or they simply lied to me. Either way, the reporting requirements do not comply with FCRA 611 ( 15 USC & 1616811 ) Nor do they comply with ( 15 USC 1681e ) Compliance Procedures for ( Maximum Possible Accuracy ). Therefore they must delete the information 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 explanation
Consumer complaint received 2023-03-29
Company: Experian Information Solutions Inc.
State: CA
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-02-22
Company: OneMain Finance Corporation
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I am receiving harassing phones constantly even after paying this company, I was offered a deferment and made the payment in full and since then I have been receiving non stop phone calls and messages for payment durning my work hours, I have expressed this multiple times and it is still going on till this day, also non of the people who work for this company seem to communicate or be on the same page. I will be sending over proof of the payment I made along with all phone call and message records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX, 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2021-06-20
Company: ALLY FINANCIAL INC.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/XXXX I called Ally bank regarding a matter with my accounts. Customer service routing me to the the department handling the matter. I was very insulting my one of there members he handled the matter very unprofessional. He was yelling on the phone basically disrespected me. And told me never to call them again. After that I called them again and I did talk to a very respectful person on there. I do not believe this guy who talks to people on the phone disrespectful should be working in a bank. I want to know does ally bank condone this behavior by their people regardless of the department they work in. Then I called them on Saturday the XXXX asking for a Bank statement. I have to sit there on the phone and tell them I deserve a bank statement, but want to reroute me to another department and when I told them I deserve a statement. A hangup on the phone

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 2022-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 INCLUDED MY PERSONAL IDENTIFICATION WHICH IS MY LICENSE AND SOCIAL SECURITY CARD TO THIS COMPLIANT... 
The following Inquiries are Fraudulent : 1. XXXX XXXX  XXXX Inquiry Date : XX/XX/2022 Please remove it from my credit report 2. XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Please remove it from my credit report. 

3. XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Please remove it from my credit report 4. XXXX XXXX XXXX Date : XX/XX/2022 Please remove it from my credit report. 


PLEASE SEE ATTACHED ALL NECESSARY DOCUMENTS These company are committing fraud and illegal activity under FCRA 609 by fraudulently and illegibly and unethically on ALL my credit reports.

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 2022-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
This is XXXX XXXX and I am submitting this complaint myself. 

Transunion is reporting inaccurate information about me and it is hurting my reputation through defamation. I am unable to do what I need to do to take care of myself because Transunion keeps violating me daily. 

First of all, my name is a variation of my actual name that is being reported by Transunion. My name is XXXX XXXX XXXX not XXXX XXXX XXXX 


Accounts Capital One/Walmart, XXXX XXXX XXXX XXXX XXXX XXXX XXXX are reporting inaccurately and without permissible purpose. 

There was no written instructions given directly to Transunion to report ANY information about me or experiences or transactions amongst myself, the consumer or another person. A consumer report excludes experiences or transactions between a consumer and person. Unfortunately Transunion is in fact in violation per the Fair Credit Reporting Act. 

Furthermore, the following hard inquires, there are no accounts in my name with ANY PERSONS LISTED BELOW and I DO NOT KNOW WHERE THESE INQUIRIES CAME FROM so I AM DEMANDING THAT THEY must be removed and deleted immediately : XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
TRANSUNION is reporting incorrect information on my consumer report. The account details, nature of the dispute, and verification documents are listed in the attachments.

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 2022-02-28
Company: First Technology Federal Credit Union
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I normally pay my XXXX  credit card with direct XXXX from my FirstTech checking accound every month. This time I'm having issues with a {$2000.00} transaction. 

When I submitted the transaction FirstTech claims I didn't have enough funds, which doesn't match my transaction statement. XXXX claims First Tech didn't release the funds of this transaction, so they rejected the XXXX. I see that reflected in my transaction history, however FirstTech debited again {$2000.00} that never reached XXXX again, and seems to be lost ( This is my issue, and reason for this claim ). I got an email from XXXX notifying me that the transaction failed. I contacted FirstTech and they claim I should contact BoA what I already did. And was told funds were not released by FirstTech. 

TRANSACTION ID XXXX TRANSACTION ID XXXX TRANSACTION ID 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 2022-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Going over my consumer report I h

ave notice you are reporting two capital one accounts on my report. I demand these accounts to be removed from my consumer report. I id not give you written instruction to report anything on my report so this must be removed ASAP. Violation of 15 usc 1681b ( a ) ( 2 ) -Permissible Purpose of consumer report as it states " In general subject to subsection ( c ), any any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. It is in fact that I am a consumer and did not give you any written permission to furnish these acc
ounts on my consumer report.Which is my reasoning for you all to delete BOTH XXXX XXXXXXXX ACCOUNTS 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 2021-05-26
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Someone in Illinois fraudulently filed for unemployment insurance on my behalf. That was reported. Out of caution I have placed credit freezes with XXXX and XXXX Experian did not allow me to file a freeze online and asked me to send in a physical request by mail along with highly sensitive personally identifying information. It seems they are making me jump through hoops to file a freeze to discourage the freeze, and it is working. I will not file a freeze with them by mail due to the potential risk of extremely sending sensitive information by mail including photocopied ID cards. And so, influenced by the behavior of their system, I will not file a freeze with them at all despite the risks to 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 2022-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I disputed the XXXX account with Transunion on the XX/XX/XXXX and XX/XX/XXXX via certified letter. The dispute was never noted on my consumer report. I did not receive a response within 30 days of XX/XX/XXXX. The account was never removed from my consumer report as instructed in either of the certified letters. I want this account removed immediately according to law.

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 2021-05-27
Company: WELLS FARGO & COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2021, we purchased XXXX XXXX. On XX/XX/2021, we were locked out of the account, and could no longer access XXXX XXXX. We attempted to reach XXXX XXXX, but were met with a firewall explaining that we have violated the terms of service. 
On XX/XX/2021 we contacted the Wells Fargo XXXX XXXX XXXX customer service, we told them that our XXXX XXXX  account had been suspended. We stated that any charges going forward from XXXX XXXX would be unauthorized by us, as we were not able to access the product that we had purchased. 
On XX/XX/2021, we were charged the {$69.00}, again for XXXX XXXX, but still not able to access the subscription. We made repeated attempts to reach XXXX XXXX to settle the matter. 
On XX/XX/2021, after repeated attempts to reach XXXX XXXX to no avail we contacted Wells Fargo XXXX XXXX XXXX customer service to dispute the unauthorized charge. 
On XX/XX/2021, we were charged again for the service that we have explained twice already, the situation. 
Minutes after I got off the phone with Wells Fargo customer service, they did not reimburse me for charges, but they charged me for the past months. This is concerning because each time I attempt to contact the company I am transferred several times to people where I was made to repeat my address, telephone number, social security number, etc. The last time I contacted them, I was transferred 12 times - each time I had to repeat my personal information. 
I specifically closed my credit card because they were not stopping the unauthorized charges, knowing that my credit score would take a hit. 
We were charged {$69.00} twice after telling Wells Fargo customer service that any charges going forward would be unauthorized. 
I was never sent any confirmation or mail for any of these disputes that I have filed, despite them telling me that I was sent a resolution letter. I asked twice for a copy of the resolution letter, and have still not received it to this day.

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 2021-05-26
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have sent two personal update letters to Experian requesting that they only report my current address. I asked that anything not listed as current be removed from my file. Experian has not budged on deleting old, inaccurate addresses off my file. I can not receive mail from the United States Post Office at these inaccurate addresses.

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: Experian Information Solutions Inc.
State: NY
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 repeatedly reported instances of non-stop and disrespectful contact from your agencies during inappropriate hours, despite my efforts to address and rectify the situation. In addition, my request for proof of application to your companies resulted in an onslaught of emails and bills, indicating a monthly membership cost, which I find to be both unjust and in violation of consumer rights. 

Per 15 USC 1681n, each violation incurs a fine of {$1000.00}. Given the persistent nature of the violations, I demand immediate cessation of the unwarranted communications and a thorough investigation into the aforementioned issues. Furthermore, I expect prompt remediation and an official response outlining the steps taken to rectify the situation. 

I am prepared to escalate this matter to legal authorities if necessary, and I trust that it will not come to that. Your cooperation in resolving this matter expediently is appreciated.

Company response to consumer: In progress
Consumer complaint received 2023-08-09
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 strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account.

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 2023-03-14
Company: Harley Davidson Financial Services 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: Account information incorrect

Complaint:
in accordance with the fair credit reporting act XXXX  Account XXXX XXXXharley davidson , XXXX XXXX XXXX has violated my rights 15usc 1681 section 602 sates i have the right to privacy 15 usc 1681 section 604 a section 2 it also states a consomer reporting agency can not furnish a account without my written instructions 15 USC 1666b A credito may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
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:
I dispute the information and the credit reporting agencies appear to do nothing but side with the company turning it in. I never even get to view the " proof '' they claim to have. For all I know, there isn't any and the Bureaus just accept it without actually checking the so-called proof.

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 2022-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
As the original creditor and natural person, I did not give these companies consent to furnish my consumer report. In order for this account to be put on my consumer report and file that means the account had to have been validated. No one but me can validate a date. Therefore, these companies are violating my rights. I have attached documents that were sent certified mail. They have yet to comply.

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 2023-02-01
Company: EQUIFAX, 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 requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX, XXXX, and XXXX are reporting that LVNV FUNDING LLC is attempting to collect an alleged debt of XXXX $ .LVNV FUNDING LLC does not have a license to collect a debt in Illinois , hence making this an illegal report. I would like this removed from my account immediately. I contacted the credit bureaus and it is still on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Bank of America over drafted my account XXXX times : attached are the responding withdrawal on XX/XX/2022, money was in fact regarded posted on that same day by XXXX  XXXX and funds became available on XX/XX/2022, i had called bank of America about this charges of {$140.00} successive over charge in {$35.00} to be rescinded because at the time they took the money, XXXX  XXXX posted {$500.00} to the account so there is no reason i should be charged {$140.00} over draft. 

Bank of America had now refuse to issue me the credit of {$140.00} and i am making a complaint about this charges as unfortunately can not afford this fee, i am requesting an intervention on this case Attached at is a pdf on this subsequent charge for over draft that should have be decline in one attempt but was subsequently allowed so i can pay the excessive {$140.00}, the bank should have decline successive overdraft i was incurring that day but decline to and also decline to make a refund when the money was already in the account, there is no reason the bank of America should be able to refund me the excessive {$140.00} in fees they claim i incur when it in fact bank delays between XXXX  XXXX and bank of America, the fault was never mine and i had explained this to the bank but the supervisor refuses to get the money resolved. 
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 monetary relief