BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-11
Company: ALLY FINANCIAL INC.
State: TN
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
GMAC has erroneously reported auto lease information to credit reporting agencies. I contacted them once and the reporting stopped for four years and now they have begun reporting negative information again. The company states that there was a charge off when in fact the vehicle was returned in a timely fashion under a lease and the account was satisfied in full. No additional monies were owed to them. Legally inexplicably GMAC created a deficiency dollar amount and reported it to credit agencies. I disputed this issue four years ago and it disappeared from my report for a period of four years. 
Ultimately the CREDITOR RESET THE REPORTING TIMELINE AND ATTEMPTED TO MAKE IT RUN ANEW AND LENGTHEN IT. The trade line and expiration date has been fraudulently readjusted by the creditor GMAC. It potentially could be linked to GMAC 's release from the federal government 's loans and control over the creditor GMAC. In other words GMAC upon release from the US Government became a rogue elephant creditor engaging in fraudulent activities with former purchasers of their products and services.

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 2015-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX under transunion has stated I owe money to " XXXX '' for a total of XXXX, that is not the name of my health provider, and I have insurance that covers my entire doctor visits and prescriptions, and all the company info that has been posted in my credit report is n't correct at all

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Affirm Holdings, Inc
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2023, I applied for a {$340.00} virtual credit card through Affirm to purchase furniture from overstock.com. The loan payments were broken into {$85.00} payments that Affirm charged to my XXXX XXXX. On the date of the purchase, Affirm charged my XXXX XXXX the first {$85.00} payment. 
The total cost for the XXXX furniture purchase totaled {$330.00}. 
The furniture was mailed to the wrong address, and I never received it. 
On XX/XX/2023, overstock.com issued a full refund of the {$330.00} purchase price. 
On XX/XX/2023, I still saw the initial {$85.00} charge on my XXXX XXXX, and I filed a dispute with XXXX. XXXX temporarily credited my XXXX for the {$85.00} while they investigated. 
On XX/XX/2023, after reviewing my Affirm account, I saw that the initial {$340.00} loan was still active, so I requested a full refund of {$340.00} from Affirm. Affirm issued the full refund the same day for the loan and cancelled the virtual XXXX credit card but failed to refund the first {$85.00} payment they charged to my XXXX XXXX on the date of purchase. 
On XX/XX/2023, I received a notice from XXXX that they considered the disputed charge valid and removed the temporary {$85.00} credit. 
I requested that the dispute be re-opened with XXXX, which it was on XX/XX/2023, and uploaded to the XXXX dispute portal the documents I am attaching below. 
Today, XX/XX/2023, Affirm attempted to charge my XXXX XXXX for an additional {$85.00} for a non-existent loan/credit card. I can not reach a human at Affirm to resolve this issue. Affirm still owes me {$85.00} for the first payment for the merchandise I never received, for which XXXX issued a full credit, and Affirm canceled the loan. 
Now, they are attempting to continue to charge my XXXX XXXX, even after canceling the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 fourth 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 alleged fraud or extortion. 
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 2022-06-01
Company: Experian Information Solutions Inc.
State: NC
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 XXXXXXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 15 U.S.C 1681 section 602 A 1 have the right to privacy.

15 U.S.C 1681 section 608 a section 2 : its 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 explanation
Consumer complaint received 2021-06-09
Company: AMERICAN EXPRESS COMPANY
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I contacted FCO on XX/XX/XXXX in an attempted to settle my account. In speaking with them, they refused to negotiate a settlement with me. On a previous date, FCO contacted me and stated if I paid 40 % of the balance then it would settle my account. I asked if they would allow me to pay-to-delete and advised they would not. However they stated " it would be good for my credit '' if I pay the balance anyway and have it shown as 'paid '. They advised they would not delete and this was my only option. I spoke with the on XX/XX/XXXX and was advised now I would have to pay 80 % of the debt now and the previous offer had expired in XXXX. The personnel advised I missed the final time for that option in XX/XX/XXXX and now I would have to pay 80 %. She advised they will still not delete the debt even if I made the payment. I explained that Im currently in the process of buying a home but cant get approved due to this account. At this point, this company is causing me Financial Damages. My ask is for the CFPB to assist me with resolving this dispute.

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 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I never signed consent to share my information In accordance with the Fair Credit Reporting Act 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 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 2023-12-13
Company: Experian Information Solutions Inc.
State: MO
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:
Yet again experian emails me there still working on the issue and 20 minutes later they close yet another complaint without addressing the issue and giving explanations that make absolutely no sense, experian stole NOW 18 months of on time never late payments to XXXX and refuse to give them back

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 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
XXXX XXXX had a data consumer breach and failed to inform me ; XXXX  XXXX Data Breach Settlement, otherwise known as In re : XXXX XXXX XXXX. Customer Data Security Breach Litigation, Case No. XXXX ( XXXX ). As a result, nothing was given to make sure my data was secure- as a result my credit score went down as a result of this data breach.

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 2023-12-14
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX did a proper investigation and deleted XXXX XXXX XXXX XXXX loans and corrected my payment history on XXXX accounts that i was never late on ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I have attempted to resolve these issues with the credit bureaus and these still remain on my profile. No proof or original contract was provided. Please check with XXXX and correct these on my profile.

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 2023-09-27
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards. 
I would like to make it clear that I am aware that you can not force me to interact with you in any way without legal authority or a written agreement between us. If you continue to harm me, it will be considered harassment or even extortion, which is a criminal offense in my state of residence. Any such behavior will compel me to take appropriate legal action. Therefore, I request that you rectify any fraudulent or deceptive practices related to my current consumer credit profile history by removing any delinquent reported items.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: EQUIFAX, INC.
State: FL
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:
XX/XX/23 NOTICE Requesting Validity of alleged debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX Re : Request for Verification of Alleged Debt and Removal from Credit Report NOTICE to whom it may concern, I am writing in regard to an alleged debt that has been reported to the credit reporting agencies by your company XXXX XXXX XXXX XXXX XXXX. I am requesting that you verify the validity of this alleged debt and provide me with proof of the debt as required by the Fair Credit Reporting Act ( FCRA ). 
The alleged debt that has been reported to the credit reporting agencies appears on my credit report and is causing significant harm to my credit score. As such, I am requesting that you provide me with verification of the alleged debt within 30 days of receipt of this letter as required by the FCRA. 
Furthermore, if you are unable to provide me with verification of this alleged debt, I demand that you immediately delete or remove this alleged debt from my credit report as required by the FCRA. Please note that failure to comply with this request may result in legal action being taken against your company. 
I look forward to receiving verification of this alleged debt or confirmation that it has been removed from my credit report within 30 days. Please contact me at the address listed above if you require any further information from me. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Take note of the attached documents. I request the bureau to commence an investigation into these accounts, as I have consistently been on time, contrary to the reported information

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 2023-08-20
Company: CCS Financial Services, 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:
XXXX XXXX checked his credit report XX/XX/2023, and found that a business reporting information against his credit file and doing business as Credit Collection Services is asserting that XXXX has an unpaid collection account and bill with a business known as XXXX XXXX XXXX contacted Credit Collection Services and discussed this matter with them. Credit Collection Services stated that in order to have the bill re-submitted to his health insurance provider it would be necessary for him to complete a form and attach his health insurance card so that it can be processed with updated health insurance information. XXXX complied and then got a packet in the mail with billing codes and other related matters to an alleged lab service. XXXX examined the packet and learned that the services were apparently rendered in XXXX XXXX, CA, a -lace where XXXX never had blood work performed. This is a fraudulent account if this blood lab was performed in XXXX XXXX, CA. If this is just how the bill is presented to the consumer for lab work that was performed elsewhere, but the paper work shows an alternate address, this bill is still not valid. It needs to be returned to the health care provider so that different XXXX codes can be provided so that the blood lab is covered by his health insurance. XXXX just encountered this same issue with a business XXXX XXXX and the codes were updated and the bill became much smaller ; roughly {$100.00}. Therefore this bill is either a fraudulent representation for a service he did not receive or there is a coding and billing issue which can be resolved.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Experian Information Solutions Inc.
State: FL
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 am writing to follow up on a letter that I sent to Experian on XX/XX/2023. I have not received any response or update regarding my request, and I am concerned about the status of my inquiry. 

I understand that they receive many requests and inquiries, but I would appreciate it if you could provide me with an update on my request as soon as possible. I have attached a copy of my original letter for your reference. 

Thank you for your attention to this matter. I look forward to hearing from you soon.

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 2022-06-01
Company: Prosper Marketplace, Inc.
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I applied with Prosper loans for a {$10000.00} loan on XX/XX/XXXX. The same day I received an email stating that I had been " approved '' and had a big button imploring me to accept my loan. Prosper continued to send me emails throughout the next few days including one on XX/XX/XXXX stating that my {$10000.00} loan " is still waiting. '' On XX/XX/XXXX I decided to complete what I thought would be the final steps to obtain the loan. I added my bank account information as requested by Prosper and signed paperwork allowing for a hard inquiry of my credit report. After completing, come to find out that my loan had actually not been " waiting '' for me as indicated by Prosper 's previous emails. The hard inquiry on my credit Prosper initiated only allowed me to be placed on their online " listings '' and that they still needed to find an institution or person that would actually fund my 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 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
Nine out of ten times issues need less governmental regulations. This is that one time more governmental regulations are needed. I am not sure if this is in your purview or needs an act of congress. But there needs to be more oversight and regulations concerning the three credit reporting agencies. Credit reporting agencies need to work for consumers and not for the CEO, their shareholders, or anyone else, but consumers. Consider these factors that need attention.

ISSUE : Items appearing on your credit report.

The current regulations state that credit inquiries remain on your credit report for 2 years while bankruptcies remain on your credit report for 7 to 10 years depending on the type of bankruptcy. These old regulars need to adapt to today 's reality. First, inquiries should be on ones credit report no more than 1 year and automatically drop off without a consumer having to request that they be removed. Bankruptcies while a relief can also be a hindrance. They should only remain on ones credit report for no more than 3 to 5 years. If they are to be relieved they should not follow the consumer for almost a decade. Consider how companies can escape so much, but consumers cant. Case in point, student loans.

ISSUE : Score inconsistencies between all three credit reporting agencies. 

Regulations are needed to ensure that credit scores are similar across all three credit reporting agencies when there are no differences. For example, my TransUnion score is XXXX points higher than my XXXX score. Yes, XXXX points. Depending on which agency a company utilizes means the difference between getting a mortgage or employment. It is daunting to have to keep up with three credit agencies where inconsistencies occur between all three. 

ISSUE : Credit Reporting Agency Compliance. 

The process in which a consumer can complain about a credit agency needs to be simplified where there are real consequences when a credit agency does not comply. Agencies take their time to make corrections and when you factor that the damage has already been done, what can consumers do? Credit reporting agencies have to work for consumers. There can be nothing less. 

This is the age of the consumer and we need to start making credit reporting agencies work for consumers. Thank you for your time. I look forward to your thoughts and response.

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