BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 ordered a copy of my report and I found out that credit reporting agencies indicate my dispute of information in my credit report. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. I believe it was reporting in error. 
DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX Balance {$12000.00} DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX Balance {$8100.00} DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX Balance {$13000.00} DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX Balance {$8300.00} XXXXXXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$8800.00} XXXXXXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$5100.00}

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 2023-02-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Capital One Auto Financing is still sending me monthly bills after debt has been paid in full, i would like for mail harassment to stop and to correctly report it as account closed and paid in full with a paid to delete order mailed to the address on file. I entered a consumer credit transaction with them on XX/XX/21 and paid in full on XXXX XXXX i would like to receive my monetary compensation mailed to the address on file. Please see attachments for further clarity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This Company is trying to collect that is not mine. The company Was not even able to validate the debt. At first, They reported on my credit file I was a victim of an identity thief. 
The credit bureau was able to delete it on my credit report the same item came with a different amount and different account number on my credit report. The credit bureau is taking longer the resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/21, I contact Citi customer service to confirm my payoff. I spoke with customer service representative ( CSR ) ( XXXX ) and confirmed my credit card payoff balance was {$10000.00}. That amount was confirmed with the CSR as the total amount I owe to bring my account to XXXX. A check for the entire payoff was mailed to Citi prior to the due date of XX/XX/21. The check was paid by my bank. On or about XX/XX/21, I received a statement from Citi with a balance of {$240.00}. On or about XX/XX/21, I spoke with CSR XXXX, and was told he would override the charges to reflect XXXX based on my communication with the previous CSR confirming the payoff amount and my having paid the account balance in full. On XX/XX/21, I received written communication from Citi that it was determined that my account was not eligible for a credit, essentially meaning my account still had a balance, although I had paid it off, with no new charges in over a year. This was not in line with what two Citis CSR had previously communicated. I paid this account in full based on my communication with Citis representative and my records, including a check. If Citi wanted to dispute the payoff that should have been done prior to my making the payment. The CSRs never communicated an additional charge would be reflected on 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 monetary relief
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting ACT, XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX account # XXXX XXXX  account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXXXXXX XXXX  XXXX account # XXXXXXXX XXXX account # XXXX have violated my rights . 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-23
Company: Santander Consumer USA Holdings Inc.
State: NJ
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 DID NOT CONSENT NOR AUTHORIZE THE FURNISHING OF MY CONSUMER REPORT AS A FEDERALLY PROTECTED CONSUMER ACCORDING TO:
FCRA 15 USC -
1681b(a)(2)
1681d(a)(1)(A)(B)
1681e(a)(b)(c)(e)
FDCPA 15 USC-
1692e(a)(b)
THE ATTACHED INFORMATION IS UNAUTHORIZED/FALSE AND MISLEADING/UNDERMINING/IMPAIRED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: EQUIFAX, 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 multiple attempt 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 XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$700.00} XXXX XXXX XXXX XXXX Balance : {$6400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: EQUIFAX, INC.
State: MS
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 following list of accounts have violated my consumer rights to privacy and confidentiality. They have also violated reporting laws within the FCRA. 

1. XXXX XXXX XXXX # XXXX has violated my rights 2. XXXX XXXX - ACCOUNT # XXXX has violated my rights 3. XXXX - ACCOUNT # XXXX has violated my rights 4. XXXX XXXX - ACCOUNT # XXXX has violated my rights 5. XXXX XXXX XXXX - ACCOUNT # XXXX has violated my rights 6. XXXX - ACCOUNT # XXXX has violated my rights 7. XXXX XXXX XXXX - ACCOUNT # XXXX has violated my rights 8. XXXX XXXX - ACCOUNT # XXXX has violated my rights 9. XXXX XXXX - ACCOUNT # XXXX has violated my rights 10. XXXX XXXX - ACCOUNT # XXXXhas violated my rights 11. XXXX XXXX - ACCOUNT # XXXX has violated my rights 12. XXXX - ACCOUNT # XXXX has violated my rights 13. BANKRUPTCY - REFERENCE # 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 : States a consumer reporting agency can not furnish an account without my written instructions 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 response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This was reported inaccurate and needs to be deleted from my credit report!. It was reported to XXXX date closed XXXX and Transunion it has a different date of XX/XX/2016 a clear violation of my rights accordingly to the fair reporting act delete immediately from my Transunion XXXX and XXXX report thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
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: Reporting company used your report improperly

Complaint:
In accordance with the XXXX XXXX XXXX Account, XXXX XXXX, Account # 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

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 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
requested XXXX and Transunion to investigate a collection in the amount of {$150.00} from XXXX collection as the date was filed was XX/XX/2020 and being refiled a different amount XXXX times since, to damage my credit further. XXXX confirm a miss conducted by XXXX collection and removed it from my credit. Transunion without investigation forward my complaint to the collection they just change the date and amount ( both false ) and put it in my credit report as the collection agent wanted. Need TransUnion to do more diligent on the date of filing which was XX/XX/2020 and the legalities of repeated filing in a different amount so the collection company can not take advantage

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 2022-04-11
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:
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX Account in Reference : XXXX XXXX XXXX Account # XXXX Pursuant to 15 USC 1681b ( a ) ( 2 ) this company is reporting an account without my consent and under The Federal Fair Credit Reporting Act ( FCRA ) this is violation of my rights and under TILA LAW unless this account is removed from my file asap, I am due a violation payment of {$1000.00}, I have disputed this account already, and still has not been removed. I am asking CFPB enforce this violation and fine this company {$1000.00} and remove this account from my file asap.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-25
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:
ive call all 3 credit bureaus they have sent me the papers to dispute the inquires ive called ive been on hold for 15 every time ive called my identity was stolen i have proof where they ( theHackers ) got even into my XXXX  looking to buy a car ( XXXX ) they ran my credit more then 50 times it looks like i need these inquiries off my credit report please help and thank you XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: TRUIST FINANCIAL CORPORATION
State: PA
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:
On XX/XX/XXXX, Suntrust Bank purchased my mortgage from XXXX XXXX. 

On XX/XX/XXXX I received multiple alerts from my credit monitoring services that I had received a hard inquiry on my credit report. This was performed on XXXX  XXXX  XXXX ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, IA XXXX ; XXXX ) on behalf of Suntrust Bank ( XXXX XXXX XXXX, XXXX, VA XXXX ; XXXX ). 

On XX/XX/XXXX or XXXX I called Suntrust Bank ( XXXX ) to report what I believed to be a fraudulent pull of my credit report. Suntrust Bank mailed a letter dated XX/XX/XXXX indicating that they were investigating the report ; Suntrust Bank mailed another letter dated XX/XX/XXXX indicating that they researched my account and found nothing wrong. I also received a letter in the mail dated XX/XX/XXXX " Notice to Home Loan Applicant '' with Suntrust and XXXX  's contact information and my credit scores. 

I called Suntrust two times on XX/XX/XXXX. On the first call, Suntrust 's mortgage department told me that I would need to take this up directly with the credit bureau. I called XXXX  who told me I needed to request a " letter of deletion '' from Suntrust or my local police station. I called Suntrust again on XX/XX/XXXX and the individual I spoke with indicated that they did not have a record of pulling my credit in conjunction with my existing mortgage, but that I should talk to their loan application department to see if there was a loan application there. 

I then proceeded to call XXXX XXXX XXXX directly, and they told me that I'd have to request the letter of deletion from Suntrust, but that they were requested to pull the credit in conjunction with my existing mortgage with the " loan number '' aka my existing mortgage with Suntrust, the same loan number that Suntrust denied that any credit pulls were associated with. 

At this point, Suntrust is still refusing to admit that they performed a hard-inquiry on my credit report, despite it being reported on all three credit reporting sites and confirmed by their servicer, 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 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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. 

Account name : XXXX XXXX, Account # XXXX has violated my rights. 
Account name : XXXXXXXX XXXX XXXX, Account # 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 2022-04-11
Company: Experian Information Solutions 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:
How continuously reached out to the companies to the bureaus and still have not gotten a resolve even after I submitted disputes

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 2021-11-29
Company: ALLY FINANCIAL INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/XXXX I closed a mortgage refinance. A condition of this loan was that I pay off my car loan financed with Ally Financial. Rather than ask for a payoff amount, the mortgage company took the payoff amount from the credit bureau report, which was 2 months behind. Additionally, there was another payment due, which I paid as directed, even though I knew the loan was overpaid and would be paid off before the next payment was due. The check was payable directly to Ally Financial. My loan was paid in full on XXXX XXXX, XXXX. I called when I saw the loan was paid online, and was told the overpayment was {$1200.00}, and it would take about 18 days to get the check in the mail. I waited the 18 days and called again. This time I was put on hold, and after a long pause was told that the previous representative was mistaken. It could take up to 90 days to get my overpayment returned to me. This is ridiculous. This is my money. I never was late with a payment, I kept my agreement with Ally. How can they keep my money? Since that time the title has been returned to me, I received a refund of the XXXX insurance for {$250.00}, but no refund for the overpayment of my loan. I called again, and was told it could be another 60 days. Really? How can this bank keep my money? Are they going insolvent? Have they spent MY MONEY and can not send it to me? I am paying interest on this money, since it is now a part of my mortgage loan, but I do not have use of it. Ally should be paying me interest. I made such a fuss to the representative that she put me on hold and said she asked it this could be expedited, and was told no. I would think banks would love a client like me, but I will never finance a car through Ally again. If this is the only bank a dealer has to offer, I would walk away from a deal because there is something very wrong with Ally Financial.

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 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
My husband and I had a credit card for more than XXXX years with XXXX XXXX XXXX We had credit ratings of the mid XXXX and a credit line of {$30000.00}. We paid our full balance every month, on time. My husband passed away, so I closed that account and opened one in my name. My income is about half of what our dual income was, I have no mortgage, rent, or car payments, and my personal credit score was XXXX. I was given only a {$5000.00} credit line on my new card, and my credit score began to plunge. I used over half of that available credit in the first month, again, paying off the entire balance on time. However, my score continues to plunge. The excuse is that I used over half of the available credit! Is this some kind of Catch 22, or a scam? They give me an insultingly low credit line- totally disregarding my history with this institution- and then ding me for using too much of it?!!! I took out a second credit card with XXXX XXXX and they only gave me {$3000.00} credit line. My total credit line is less than one-third of what we had previously and I am very upset over this, as my nearly-perfect credit score continues to plunge.

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 2020-03-25
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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