BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2020-04-09
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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.

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 2023-08-01
Company: Atlanticus Services Corporation
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
XXXX XXXXfortiva closed a card account of mine that was used to purchase my fortiva alarm equipment, I had paid offthe balance early. The account to my understanding was not set to close until 2026. They than issued me a new card issued me a new XXXX XXXX and account all of this was done fraudulently without my express consent. I called fortiva to find out what was going on as it had lowered my credit score closing and adding a new card and was transferred to different people several times which took a lot of time from my day at work. The last gentleman that I spoke to said his name was XXXX XXXX, I recorded the call from that point on. He was very rude with me when I asked how they opened an account and closed accounts without my consent, he explained that they sent an email ( which I never received ) that me not responding to that email meant that they could open a new account and close the other account without speaking to me or asking me for permission. I then asked him for his name and to repeat what he said and asked him if the actions they arbitrarily took would affect or lower my credit score, he stated it would not affect my credit score at all. My credit score has been lowered a total of XXXX points from this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-03
Company: Thaxton Investment Corporation
State: KY
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:
Between the months of XX/XX/2022 through XX/XX/2022 i received email notifications that my social security was compromised and was on the dark web. I ignore it thinking it was spam however it was sent to my inbox. I received another email stating that my social security was compromised again and was on the dark web. I soon put a freeze on my credit report until i find answers on what with my social security being compromised. I temporarily lift the freeze and once again another inquiry on report again. I have not authorized any of these inquires. 

XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2022 XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX  XX/XX/2XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
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: Investigation took more than 30 days

Complaint:
Credit reports state no payment made for the month of XX/XX/2015. According to banks own records this is not accurate.

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 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 2022-12-22
Company: General Motors Financial Company, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XX/XX/XXXX, I signed an agreement with GM Financial to lease a XXXX XXXX electric car. The agreement was to expire on XX/XX/XXXX. 
Based on the agreement, I pay a monthly charge and be entitled XXXXo drive 15,000 miles per year, or 1,250 miles per month. 
On XX/XX/XXXX, I contacted GM Financial to extend the lease agreement and GM Financial agreed to extend the lease agreement for two months. With the extension of the lease agreement, both GM Financial and I understood that the allowed mileage will be increased proportionally to be 15,000 X3 +1250X2= 47500 miles. I also paid additional monthly charges to GM Financial for the XX/XX/XXXX and XX/XX/XXXX. 
On XX/XX/XXXX, I returned the car XXXX day before the new end date of the lease agreement. The odometer read : 48,304 miles. 
After that, GM Financial sent me a bill charging me, among others, a milage fee in the amount of {$820.00} ( = ( 48304-45000 ) X0.25 ). This amount was calculated based on the originally allowed mileage of 45,000 miles, but failed to consider the 2500 miles of additional two months of driving.

I paid GM Financial based on the following calculation : ( 48304-47500 ) X0.25 = {$200.00} and also explained the reason. 
GM Financial refused to listen to my explanation and also reported this issue to the credit agencies. GM Financial 's capricious business behavior damaged my credit score and impacted my financial activities including my loan application.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
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 2022-11-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
I have a card with capital one.My wife also is a account holder on this card.We purchased a pair of boots from a merchant called the XXXX XXXX.We received the boots and the co sent two left boots instead of a right and left.We made multiple attempts to this co to send the boots back but couldn't get any one to respond to ours calls.The phone would say this callers mailbox hasn't been setup.We also tried to send them a email on XXXX different attempts but got no response.We called our credit card co capital one and asked to do a chargeback for XXXX purchase in the amount of $ XXXXCapital one granted the chargeback on XX/XX/XXXX for $ XXXXThe merchant finally responded 10 days later and asked for pictures of the two left boots.I sent 7 pictures.The merchant said they couldn't tell by the pictures that I sent and That I need to send pictures of the boots side by side so the could see the heels.I did as the merchant requested.The owner of the store agreed the boots were defective.He sent this in a email but wanted me to remove the chargeback.This is 15 days later.I told him the matter was closed.I also offered to send the two left boots back but the merchant didn't want them do to having to pay shipping.I still have the boots.I noticed on XX/XX/XXXX the {$67.00} appeared back on my card and I was now being charged again for the defective boots.I called capital one and they told me the merchant told them the correct boots were sent.I faxed capital one a copy of the email that the owner of the XXXXXXXX XXXX sent me stating the boots were defective and a picture of the boots.The XXXXXXXX XXXX didn't send a invoice in the boot box but capital one told me that I had to fax them a letter stating no invoice was in the box.I did as requested.Capital one is now telling me that I need to take the boots to another boot co and get a written statement from another boot co stating that I have XXXX left boots and send them this written statement. I have never heard of such a request nor does it make any sense to me why I should have to do this last request.My case # is XXXXMy card number ends in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are XXXX percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix 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 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 2022-11-03
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: Account status incorrect

Complaint:
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 Equifax has reported incorrect information on my credit report. There are several accounts that are associated with the bankruptcy that is showing on my credit report that needs to be removed. I have included a PDF that shows everything highlighted that needs to be deleted. Also Incorrect names and addresses

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Nothing was done by customer service .and money was there and gone the next day .I believe I did not receive 8 months worth of unemployment total in XXXX dollars

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 2020-04-09
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
Experian Credit Report Shows my XXXX XXXX XXXX late 18xs Cant be account settled and paid in full If anything should only show once Charge off But still should show Account Paid settled

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 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is about the fourth or fifth time now in the year XXXX, I keep telling the bureaus they are listing inaccurate information or incomplete but they only delete certain items not all. Here are more details on the accounts that should be deleted! 

To whom it may concern : According to the Fair Credit Reporting Act, Section 611 of FCRA, credit bureaus have a responsibility to delete any information from credit reports that is inaccurate or incomplete. This is important to note, as even if an account has only been speculated upon or never confirmed in any way, the burden falls on the credit bureau to provide evidence of its veracity before it can be placed on a credit report. If the information in a credit report is wrong, it was never proven to be factual, and the consumer has the right to take legal action against the credit bureau. After disputes online and multiple complaints via the CFPB and disputes by Certified Mail, inaccurate information continues to be listed on my credit report and should be deleted immediately. I have compiled a list of date on my report attached to this complaint and one has been sent via USPS mail to the agency.

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 2023-07-07
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
When trying to apply for a small loan it always saying that it want impact on your credit score but it does and when I apply always says decline I have a good job with great income but most of the system always denied or decline my offer and even when I'm trying hard to get back on track sometimes we face hardship and some of the loan offer don't try to work with u instead they just mark u as a negative credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
In 2018 i was unfairly turned down when I requested modifications to my loan to avoid foreclosure. I may have been charged incorrect fees and other costs, overstated attorney fees and a remodification if double the price of my original loan

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 2023-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Recently filed a dispute with XXXX XXXX about public record information the company was keeping and reselling about me.METRO2 compliance regulations not being followed. In their response they removed the information from my XXXX and XXXX profile. The company verified the information in my TransUnion file. My complaint is that if this information was removed from two of the three credit reports then it should be removed from the other one ( TransUnion ) XXXXThe FCRA criteria and METRO2 compliance standards are the same throughout each bureau, and to XXXX XXXX yet they refuse to remove this negative public record. 15 U.S code 1681e ( b ) says that the information prepared should prepared with MAXIMUM accuracy this item is not. This item also violates FCRA 15 U.S. code 1681e ( E ) ( 1 ) ( a ) ( b ) 1681e ( E ) ( 2 ) ( a ) ( i ) 1681e ( E ) ( B ) all speaks of Procurement of consumer reports FOR RESELLERS.

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 2020-04-09
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We suffered a hardship from Hurricane Dorian from XX/XX/XXXX and a State of Emergency was declared by Governor XXXX on XX/XX/XXXX. We had to evacuate because no one knew where the hurricane would land and it was stalling while increasing to a Category 5. In addition to the cost of preparing the house for a hurricane, which was well over {$3500.00}. Once we prepared the home with shutters, we had to travel and stay somewhere else until the end of XXXX while the hurricane moved away from the East coast. As a result, we had to close our business during this time and when we returned we had to make repairs on the roof of our home of over {$2500.00} from this disaster. We were approved for a repayment plan on XX/XX/XXXX and spoke with a representative on XX/XX/XXXX about making payments. We wanted to make 2 payments a month. We made 1 payment in the amount of {$2500.00} on XX/XX/XXXX and called to make the XXXX payment of {$1600.00} on XX/XX/XXXX for a total of the repayment plan we were approved for. The representative refused to take the payment. The representative told me that we can not make that second payment and the repayment plan is void even though we were trying to make the payment before the end of the month. We requested to speak to a supervisor who advised us that he would not accept the payment we wanted to make and that there were no other options for us at this time to retain our home. We explained that we were affected by Covid-19 and our business was closed due to no fault of our own. The supervisor did put us on a forbearance plan due to Covid-19 with a balloon payment of {$30000.00} due on XX/XX/XXXX. This is a difficult amount to have to pay when we have no idea when our business or any business will reopen in the United States. Our business is closed and we would like a deferment of all past due amounts until we can get through this economic difficulty which is no fault of our own.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation