BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-08
Company: Experian Information Solutions 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:
Experian received an Identity Theft Report in according with FCRA requirements on XX/XX/2021. Pursuant to FCRA, Experian is required to block the information provided as a result of identity theft. Instead, Experian added a fraud-alert and opened a dispute. Upon re-investigation by Experian, they concluded the accounts I stated were identity theft, were verified and accurate. There are several problems I'd like to point out. First, Experian does not have the proper tools in place to ensure fair and accurate credit reporting, this is evidenced by receipt of my complete identity theft report required by the FCRA and the consumer reports I have on record of the alleged information still being reported on in my file. Experian chose to follow the guidelines for implementing the fraud alert and requiring my direct consent prior to opening any accounts, even though I did not direct then too as required under 15 usc 1681c-1. Experian received my Identity Theft report and demand to block, followed a few of the federal rules and then violated many others. Is Experian is not required to follow the FCRA laws? Additionally I have contacted Experian after they did follow federal rules, in good faith, to address their failure. They continue to run the automated program that disputes the information and fails to conduct a reasonable investigation which allows for the continuation of abuse and harassment through my consumer report. Consumer laws were written to protect me from this kind of behavior. Congress has stated several times that it is your grave responsibility to report accurately. I am prepared to sue Experian for their failure to follow federal laws which have now harmed my reputation and are harassing and oppressing me and my family.

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 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to misreporting information, The inaccuracies should be immediately investigated. I have knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. I want you to correct this misinformation on my file 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 2020-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I pull up my credit files on XX/XX/2020 to go over them before I apply for a home loan. As I looked over my files there is an account that does not belong to me and should not be on my credit files.The company that is appearing on file files is under the name of XXXX XXXX with account # XXXX. I have reached out to the company in reference to this account and they are not trying to help me. I spoke to a young lady in customer service and she told me to file a complaint with the credit bureaus. I did what she told me to do and the account is still showing on my credit file. I have asked the credit bureaus XXXX, XXXX  and Transunion to provide me with a copy of the contract for this account nd they have not provided it to me and they are still reporting this negative information on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: Opportunity Financial, LLC
State: AZ
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Hello, I am a XXXX XXXX here in the US. I worked as a XXXX. An XXXX XXXX from other country. 

I was having a hard time with finances this year because my salary is too low, my rentals and other expenses here in the US is too high that is why I tried applying a personal loan at opploans online, I was surprised that the interest is huge but I still applied for it, resulting to difficulty of budget. I send half of my salary to my family back home, because my XXXX children are XXXX and no one will take care of their finances except me. I started a {$500.00} loan and the interest is over 160 %, I refinanced it due to financial problems and I was approved for {$1500.00}. 

They take away electronically on my account the amount of {$130.00} twice a month, starting XX/XX/XXXX until now. I am really confused with the scheduled payment specially the month of XX/XX/XXXX, I saw that they schedule XXXX autopays on my card. The loan will end on XX/XX/XXXX. This is too much. I am having an XXXX because of this. 

Please advise me. I want to be free from their incredible interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
I have communicated with all three credit companies about their inaccurate reporting information. Unfortunately, this erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. 
List of inaccurate information : Both XXXX XXXX and SNAP ON CRDT are inaccurate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. 

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
XXXX : a law or regulation forbidding something As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. 

The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. 


Both XXXX XXXX and SNAP ON CRDT are inaccurate and must be removed.

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 2022-03-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I opened a business credit card with capital one in XXXX and accrued XXXX rewards points. The business the card was opened for unfortunately had a rough year w one of the partners embezzling a lot of money out of the company, forcing the company into bankruptcy. The card has not been used in a quite a while so I did not think to move the points out of my account into one of my other capital one accounts w rewards points. 
My account was in good standing, I dont believe there was any debt on it, ( maybe an annual fee charge ) and I feel that capital one should gift me the points back as there is no reason I should be penalized for a partner destroying my business. I called on XX/XX/XXXX and didnt have any luck getting an employee to assist in retrieving or replacing my points. Its been a very difficult year and this is really pushing me over the edge, as I planned to travel w the family to get away from all this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: United PanAm Financial Corp.
State: OH
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:
Recently, my entire livelihood has been revolved around a particular online dealership called XXXX. Unfortunately, I decided on the XXXX day of XXXX in the year XXXX to exercise my rights as a natural person by applying for an extension of consumer credit for a XXXX XXXX XXXX  with lien holder XXXX XXXX XXXX for total amount finance { {$31000.00} } with down payment of { XXXX }. Initially, the vehicle being purchased was a dream come true but turned into a complete nightmare soon after! This incident is one that has taken me by surprise and seem to have caused me severe pain and suffering while also being an unprecedented time in my life! The retail purchase agreement contract states that XXXX and I agree that this agreement is governed by federal law and the law of the state of XXXX licensed dealership. Subject to the terms of this agreement, XXXX agrees to transfer to me the natural person the title and ownership of the vehicle at XXXX address. However, the dealer has failed to title the vehicle to me the consumer within a forty day proper time period of the federal law that we agreed to abide by in Contact! Furthermore, I received the memorandum title a year later finally on the XXXX day of XX/XX/XXXX after not being able to register vehicle in my state of Ohio for an entire year. Soon after registering Vehicle in my name after not being able to on XX/XX/XXXX the vehicle was repossessed. Which has now triggered XXXX  XXXX within my livelihood! Their tactics against me has been unfair And deceptive Under federal law I as a consumer ( natural person ) have rights. Which leads me specifically to Act ( Title 1 of the consumer credit protection act. Truth and lending ( TILA ) prohibits creditors and loan originators from acting in a self-seeking manner, especially when to the detriment of the client.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Trans Union XXXX XXXX  is reporting incorrect information, XXXX XXXX XXXX is reporting a XXXX loan that was included in a bankruptcy, they are reporting the debt affirmation just filed XXXX XXXX never know what affirmation was I called XXXX and turn in the vehicle but its still active on credit report. Turn in date XX/XX/2022 2022

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 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation

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 2020-10-05
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had a qvc and hsn installment loan open in my name.

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 2019-05-26
Company: LOBEL FINANCIAL CORPORATION
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:
I bought a car from Lobel Financial account # XXXX. The company began reporting on my credit file to a three creditors, on XX/XX/XXXX. My last payment on this vehicle to Lobel Financial was on XX/XX/XXXX. I disputed on XXXX, the payment history and request for corrections to be made. Instead of correction like requested, account was removed from my credit file with all three credit reporting agencies. I contacted the company Legal department many times by email, phone and fax. And I was told, the company would replace the information to my credit file. But, it's still hasn't showing up on any of my credit reports. I believe the company can careless about correcting the information on my credit file and replacing it, due to the vehicle already purchased.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: Southwest Credit Systems, L.P.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello ; XXXX for {$490.00}? I never opened account with them!!! - I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
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:
In accordance with the Fair Credit Reporting act, XXXX BANK 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 2022-09-16
Company: Waypoint Resource Group, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I've been a customer of XXXX for several years, I've not missed a bill because my account has always been on autopay via credit card. In XXXX I switched plans from cable to internet streaming. XXXX I believe provided me a new account number, however they did not inform me of an additional amount owed of {$93.00}, which I did not know about until recently when running my credit. I paid the balance to the collections agency, Waypoint, on XX/XX/XXXX of this year. Since then I've requested several times to receive a deletion letter to remove the amount from my credit report, but these requests have gone unfulfilled. I believe that submitting my balance to a collection agency should never have happened in the first place as I currently have services with XXXX with no interruption in service that would have warranted a non-payment collection. I don't believe I should be held at fault that XXXX did not link the accounts together when I amended my plan options. Given the digital age their system should be to link accounts ( active and open ) when they have my name, SS #, address, etc. I do expect more from a communication company with how they treat their active customers. 

In short, due to negligent account management this collection needs to be removed post-haste from the credit bureaus due to erroneous mismanagement of my account and negligent communication to me by their representative with the process to expect when I amended my services. Also please note again the amount was paid to the collection agency once I learned of the balance due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: Experian Information Solutions Inc.
State: LA
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:
XXXX, XXXX and Experian have violated my right under FCRA and CARES Act - Dept of Education COVID-19 Emergency Relief and Federal Student Aid program. I am not late on any student loan because the relief is from XX/XX/XXXX through XX/XX/XXXX. If the 3 credit bureaus would have conducted proper investigation or even XXXX they would have know of these reliefs under the CARES Act. Please direct them to remove from all my credit reports as they are inaccurate, has errors and they did not verified. This has caused me stress and I can't obtain additional financial credit. Additional these confusing information below are on my reports and doesn't even make sense. Please direct the bureaus to explain so a simple person can understand. -- -- - DISPUTED ACCOUNTs 1. DEPT OF EDUCATIONXXXX {$1500.00} Balance updated XX/XX/XXXX 1 late payment Account Info Hover over labels for more details Account number XXXX XXXX. DEPT OF EDUCATION/XXXX {$6500.00} Balance updated XX/XX/XXXX 1 late payment Account Info Hover over labels for more details Account numberXXXX 3. DEPT OF EDUCATION/XXXX {$4600.00} Balance updated XX/XX/XXXX XXXX late payment Account numberXXXX 4. DEPT OF EDUCATIONXXXX {$4500.00} Balance updated XX/XX/XXXX XXXX late payment Account number XXXX 5. DEPT OF EDUCATIONXXXX {$6600.00} Balance updated XX/XX/XXXX XXXX late payment Account Info Hover over labels for more details Account numberXXXX 6. DEPT OF EDUCATIONXXXX {$1500.00} Balance updated XX/XX/XXXX XXXX late payment Account Info Hover over labels for more details Account numberXXXX

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