BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The Credit bureaus stated my account was properly investigated but how is that possible if the Account Number is inaccurate, Highest Balance is inaccurate, Last Verified is inaccurate, Date of Last Activity is inaccurate, Date Reported is inaccurate, Date Opened is inaccurate, Balance owed is inaccurate, Payment Amount is inaccurate, Last Payment is inaccurate. This ground for removal they also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigation here is my certified tracking ; COMPLAINT ID XXXX SUBMITTED ON XX/XX/2023

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Used XXXX of my Capital One Credit Cards to purchase XXXX gift cards at XXXX XXXX in XXXX California, yet when using that purchased card ( and amount ) to load the value into my XXXX account it showed as no value on the card. I'm aware of, and received notice, of a class action settlement for using debit or credit cards at XXXX ( http : /XXXX/, XXXX v. XXXX XXXX XXXX XXXX and am concerned about both the initial issue, as well as XXXX 's response when I made them aware. I took the card, and receipt, back to the exact location it was purchased was asked to leave my name and number, and the clerk made a photo copy of all the documents and said someone would call the next day. The next day passed, and then the following day I followed up again, in person. Again, I was asked to provide my name and number, and they still didn't follow up are offer refund for a faulty product they offer. It's been several days beyond that point and still they have not follow up on their statements or promise. 
I've alerted Capital One of the issue, and am looking for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 several attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. 
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXXXXXX XXXX XXXX Balance : {$730.00}, XXXX XXXXXXXX XXXX XXXX Balance : {$6500.00}, XXXX XXXXXXXX XXXX XXXX Balance : {$2600.00}, XXXX XXXXXXXX XXXX XXXX Balance : {$0.00}, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/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 2023-11-25
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
A payment was made on the account on XX/XX/XXXX and XX/XX/XXXX by mistake from the credit union we use. We called on XX/XX/XXXX to request a refund and were told that we had to wait 15 days for the refund. At that point, we didnt move forward for the refund because the next payment would be due on XX/XX/XXXX. The XXXX statement was mailed to us and it said we owed nothing for the month of XXXX because of the double payment. Then we started getting calls and texts non-stop saying we had missed our payment and were behind. However the website still said we owed nothing. I called several times and spoke to several reps over the course of 43 days to try and either get the money refunded or get the extra payment added to our account. They refused to do either for over a month. All the while calling and harassing me for a payment they already had. Finally we decided to sell the car to another dealership and end the Ally financing. The XXXX XXXX  called Ally to get the pay-off on XX/XX/XXXX and sent payment to them shortly after. Ally has continued to call and harass me for the payment and has now turned in a delinquent notice to the credit bureau. They have been unethical in keeping money that didn't belong to them, billing us for payments they already had in their possession for well over 40 days and by not using the funds from the dealership to pay off the loan and keep our credit in good standing. They have repeatedly called and texts even after the situation had been explained and payments had been made. They unethical business/loan practice has now caused my credit score to drop dramatically while once again they hold on to money that was paid, but unreported.

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: Concord Servicing Corporation
State: TX
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:
A financing Agreement was signed and dated XX/XX/2020 with XXXX XXXX XXXX XXXX XXXX which is named XXXX XXXX with XXXX XXXX ID XXXX with a corporate address of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX California XXXX, XXXX as financier. In Exhibit A under the Authorizations section of the Financing Agreement ; NO is checked stating that XXXX XXXX XXXX XXXX  XXXX XXXX is authorized to investigate the members credit history. We never provided them with a social security number either. 
We were contacted by Blackwell Recovery, located at XXXX XXXX XXXX XXXX, XXXX XXXX in XXXX, AZ XXXX communicating as a debt collector for XXXX BY XXXX XXXX XXXX They state in their letter that " your credit report will also be updated to reflect a paid account. '' I am at a loss as I was unaware that the US allowed foreign entities to report negative items on US based credit reporting agencies especially since my credit was never authorized to be investigated our social security number be utilized for this transaction on XXXX XXXX XXXX as per the agreement signed in XXXX with jurisdiction in that Country.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Experian Information Solutions Inc.
State: TX
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: Other problem getting your report or credit score

Complaint:
I was notified by email by Experian on XXXX that my credit score decreased. They provided no explanation, either on their website or in the email as to why it decreased. I called the customer support number of XXXX to ask. The automated system only allowed two options to report fraud or request credit report. Would not allow me to talk to live person to explain as to why my credit score decreased.

Why does Experian get away with decreasing credit scores without explanation and why does Experian not allow us to talk to live person. Its my credit score, not there's.

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 2022-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-11-22
Company: EQUIFAX, INC.
State: FL
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX {$470.00} XXXX {$0.00} CXXXX XXXXXXXX {$470.00} XXXX XXXX {$57.00} XXXX XXXXXXXX {$3900.00} XXXX XXXX {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: EQUIFAX, 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:
XXXX XXXX XXXX. XXXX XXXX XXXX XXXX NY XXXX XXXX, XXXX And XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Re : Request for Investigation of inaccurate information stating that I had late payments. 

To whom it may concern : I am writing to dispute the erroneous reporting of a late payment on my credit report. 
I contacted the following creditor as listed on my report 1XXXX is reporting that I made a late payment to XXXX XXXX XXXX XXXX XX/XX/XXXX 2. XXXX is reporting that I made a late payment to XXXX XXXX XXXX on XX/XX/XXXX. XXXX is reporting that I made a late payment to XXXX XXXX XXXX on If you find that my claim is true and that I did not make a late payment in the months stated above. I am requesting that those late payments be removed from my credit report and an updated copy of my credit report be sent to the address listed above upon resolution of the investigation. 
This is a request for you to investigate the following " Unverified '' account listed above and below. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 in accordance with the federal protection act these companys and creditors violated my rights. your company is required by federal law to verify this inaccurate once I notified them that credit report was in error to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting service could fax, mail, or email in a fraudulent account.

I demand to see a copy of the Verifiable Proof ( an original bank check with my Signature and date on it ) that you used to verify that the the late payment after I contacted you about this error. My payment was never late as I explain to you was I contacted you. Your failure to properly verify these reported late payments has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 4 business days for each of the accounts listed below then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these things removed. 
If you find that the late payments are valid please send me proof, along with the description of your investigation procedures within 15 days of the closure of this dispute. Thank you in advance for your assistance with this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01
Company: EQUIFAX, INC.
State: NY
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted : XXXX XXXXXXXX XXXX inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07
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: Information belongs to someone else

Complaint:
This is my 5th endeavor 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 XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$28000.00} XXXX, XXXX XXXX  XXXX XXXX XXXX : {$5900.00} XXXX, XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$150.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/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 2023-07-24
Company: KEYCORP
State: NY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Good Evening, I am writing because I think Key Bank is running a scam with the XXXX Unemployment Checking/Pre-paid Accounts. My account was fraudulently accessed in XX/XX/XXXX via multiple ATM withdrawals. I contacted the fraud department and after several attempts of them telling me they couldnt prove my identity. I finally received a claim #. I later received a letter in the mail saying they would be refunding the money. Then I received a check in the mail for {$16.00}. I contacted them to ask what this {$16.00} check was for and when will I receive the $ XXXX they said they would be refunding? I couldnt get a straight answer. Instead, I got the run around and was even told that Unemployment closed the account, so the money was given to them. 

I knew that was a lie because Unemployment had sent me a letter a few days prior, stating that KEY BANK closed the account. I decided to play XXXX 's advocate and called Unemployment. They confirmed what I already knew. They only deposit money into the account, they dont withdraw or take custody of accounts and they reiterated that KEY BANK closed the account. I called Key Bank and told the customer service rep about my conversation with Unemployment. THEN the rep let me know that a debit card was issued on the account and the refund/ $ XXXX was withdrawn ONCE AGAIN via ATM over a series of days, despite the fact that I specifically asking Key Bank NOT to reissue a debit card after my account was fraudulently accessed the first time. 

I was given the transaction dates and amounts and transferred to someone else. I also requested the statements be mailed to me. All in all I was transferred around for XXXX hours before I got to the dispute department, who would then tell me they couldnt prove my identity. Once again I emailed my ID and waited. 

I reached out to Key Banks XXXX Office with my frustrations only to be treated like I imagined receiving transaction details from a Key Bank customer service XXXX On XX/XX/XXXX, I was told by XXXX O that, the reps wouldnt be able to see transactions to give me that information. WHAT?! I was then transferred to XXXX, who said they didnt find any error on their part and concluded that I was at fault and committed dispute abuse, meaning my dispute claim was fraudulent, so the $ XXXX would not be refunded and if I needed further assistance, I should contact customer service. I contacted customer service and again asked for the statements so I can file a police report. To date, I have not received the statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
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:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 XXXX XXXX credit card is still incorrectly showing me over my balance. My balance is only {$890.00} see attached.

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 2023-10-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-10-31
Company: Nelnet, Inc.
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
They keep telling me that my payment is late, how is the only option that I have to pay my balance is to put my bank information in there. This is not okay and leave my bank information out to the public leaving it unsecure.

Company response to consumer: Closed with explanation