BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-22
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX acct # XXXX, XXXX & XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX, XXXX acct # XXXX and XXXX XXXX XXXX acct # XXXX have violated my rights. 

In 15 U.S.C 1681 Section 602 A it states : I have the right to privacy.

In 15 U.S.C 1681 Section 604A Section2 : 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 2023-04-21
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 alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX {$560.00}

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 2022-08-07
Company: EQUIFAX, 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:
I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 ( a ) ( 3 ), the credit reporting agencies have illegally assumed this role without MY permission not only that I NEVER GAVE them my consent to report this information to anyone. They did not respect my right to privacy which is clearly state in 15 USC 1681 ( a ) ( 4 ). The credit reporting agencies have NOT exercised their grave responsibility, they were unfair, they were partial and because of that they each have violated my consumer rights. The credit reporting agencies have NEVER had a permissible purpose Under 1681 ( b ) ( 2 ). I never instructed your company to furnish this report and I never consented to this report in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: D2 Management LLC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2020 I was contacted by D2 Management they called from XXXX, I found out the name of the company after continuously calling to request the name of the owner. I received calls from, XXXX, XXXX XXXX and a Gentlemen named Mr. XXXX. They all used first-party collection practices and they are a third-party collection agency. They would not disclose the company 's name and did not provide Mini-Miranda or  disclose we were on a recorded line. When I mentioned these things weren't done on the first call the representative stated " oh wow, you know the law! '' XXXX XXXX, who stated she was the general manager, cursed me and hung up in my face when I requested info on the ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: Block, Inc.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Hello, my cashapp account was hacked on XX/XX/2022 and {$250.00} dollars was stolen. Cashapp support has told me several times that someone will reach out to me but it has been 15 days. I have tried contacting them but they only say someone will reach out and then thats it. I have tried reporting the transaction but nothing has worked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: DISCOVER BANK
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: Problem with personal statement of dispute

Complaint:
I applied for a Discover credit card that was not supposed to effect my credit score. But I have lost a point on my score

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
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. 
US DEPT OF EDXXXX XXXX XXXX. XXXX XXXX , XXXX . XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX - XXXX. XXXX, XXXX has XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX, XXXX 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 2022-05-15
Company: Experian Information Solutions Inc.
State: MD
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 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 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 explanation
Consumer complaint received 2022-05-15
Company: Experian Information Solutions Inc.
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:
This is an going problem Ive sent them court documentation further proving everything nothing has been done this bankruptcy should not be there its not correct please have this removed its hindering my life

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 2019-02-02
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2019 I started the process to buy me a car. At the dealer I was informed that I i had a fraud alert on my Equifax credit file that i had no knowledge of. I contacted them and i was able to get the fraud alert removed but they could not give me any information about why and who placed the alert. Equifax then mailed me a letter confirming that it was removed but informed me that a extended fraud alert was sent to XXXX  and XXXX  without my knowledge or consent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: ALLY FINANCIAL INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Dear Sir/Madam, I am writing to formally lodge a comprehensive complaint against Ally Financial for their role in the unfair and deceptive practices during my purchase of a XXXX XXXX from XXXX XXXX XXXX XXXX XX/XX/XXXX. 

XXXX  Misrepresentation of Loan Terms : Ally Financial processed and approved a loan for my vehicle, which I believed to have an interest rate of XXXX  % based on the initial invoice contract dated XX/XX/XXXX. However, upon receipt of my first billing statement, I found that the interest rate was substantially higher, at XXXX  %. This discrepancy has resulted in a significantly increased financial burden and inflated overall cost of the vehicle. 

2.  Inconsistent Financing Terms : The terms of the loan presented to me were inconsistent. The initial invoice contract stated the price and financing terms clearly but did not mention any stipulations related to arbitration. However, the subsequent Retail Installment Contract signed on XX/XX/XXXX, introduced an arbitration clause, significantly altering the terms to my disadvantage. This change was neither clarified nor adequately explained to me. 

3.  Undisclosed Relationships and Potential Kickbacks : I have reasons to believe that Ally Financial and XXXX XXXX XXXX may have a pre-existing business relationship, possibly involving kickbacks or incentives, which was not disclosed to me during the negotiation or finalization of my vehicle purchase. This lack of transparency raises concerns about the fairness and legitimacy of the loan terms and interest rate. 

4. Noncompliance with TILA : Ally Financial 's failure to accurately disclose the terms of my auto loan, as well as their potential noncompliance with the arbitration disclosure requirements, may constitute violations of the Truth in Lending Act ( TILA ). TILA mandates that lenders provide borrowers with clear, accurate, and meaningful information about the cost and terms of credit. 

These alleged malpractices by Ally Financial are not only detrimental to me but also potentially harmful to a wider consumer base. I, therefore, appeal to the CFPB to exercise its authority to investigate and rectify these injustices. 

Thank you for your time and consideration. I am confident that the CFPB will uphold its commitment to consumer protection and ensure fair practices in the auto financing industry.

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 2020-06-10
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: Information belongs to someone else

Complaint:
I have call XXXX  several times to request that they remove several inquires that is on my credit profile I would like these applications removed I have already sent them my photo ID and ftc report on file I HAVE FRAUDULENT APPLICATION ON MY CREDIT PROFILE 1.XXXX XXXX  XX/XX/XXXX 2.XXXX XXXX XX/XX/XXXX 3.XXXX  XXXX XX/XX/XXXX 4.XXXX XXXX  XX/XX/XXXX 5.XXXX XXXX  XX/XX/XXXX 6.XXXX  XXXX XX/XX/XXXX 7.XXXX  XXXX XXXX 8.XXXX  XXXX XX/XX/XXXX 9.XXXX XXXX XX/XX/XXXX 10. XXXX  XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: EQUIFAX, INC.
State: TN
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:
They removed some of the accounts due to ID theft but not all. They also didn't comply to the 4 business day rule that the statute requires.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Southwest Credit sys Opened XXXX {$100.00} I never used there service are gave consent so this is a fraudulent charge on my credit report and I didn't authorize this transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$9600.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2015 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2022-05-15
Company: Dave Operating, LLC
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
The company I work for was hacked last year and they sold all of the employee 's information ( bank account info, emails, phone # 's, etc. ). Somebody just opened a bank account on XXXX and with XXXXXXXX XXXX and withdrew {$9900.00} from my bank accounts. XXXXXXXX XXXX and my banks are working on it but I'm worried now as the hackers have my drivers license, social security #, and all of my other details.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Bull City Financial 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:
Bullcity solutions purchase my personal information which is illegal as shown below by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: CBC Companies, 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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear XXXX Representative : Delete the dispute notation from my credit report I have previously requested you delete all addresses on my profile that I see reappear again on my profile. Also, delete all the above addresses & * ph. # business info as well. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: EQUIFAX, INC.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
EQUIFAX and XXXX XXXX Has been furnishing inaccurate and illegal Information on my consumer report this company has furnished inaccurate information to my credit reports this company is in Violation of section 623 ( a ) ( 4 ) ; 15 U.S.C 1681s 29 ( a ) ( 4 ) furnishing inaccurate and illegal information this account has been disputed 3x this account has not been properly investigated if this account is not removed from my credit reports for NEGLIGENCE within 30 days of this Notice I will be moving forward with counsel in a lawsuit for civil liability and Punitive Damages and this account has also reached its statue of limitation to still furnish this inaccurate illegal information. I will be attaching documents to support my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AS IM HAVE STATED MANY TIMES ME AND MY SON HAVE THE SAME NAME THEY MAY HAVE MISTAKENLY USED MY NAME INSTEAD OF HIS WHICH THIS MESS HAS MESSED UP MY GOOD 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 2023-06-01
Company: EQUIFAX, INC.
State: LA
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:
Please see attached docs I am writing to request the immediate deletion of this information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. Ive studied constitutional consumer protection laws extensively along with civil/federal court proceedings such as Dixon-Rollins v. Experian Information Solutions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I received a loan modification in 2015 in the form of a principal reduction. The terms of the loan will be up in XXXX of this year. Starting last XXXX, I sent an inquiry to Dovenmuehle [ the mortgage servicer ] to find out what I needed to do to get proof that I have fulfilled the terms of the loan modification. I have lost count of the number of times I have called them or emailed them. I have received no less than 8 letters from them, all stating they are working on my inquiry and will respond in the time allotted by law. That does not include the email responses that say the same thing. To date [ 3 and a half months later ], I have received absolutely no form of answer from them, except that they repeat the information I have given them, and then state they hope that answers my question. 
I have gone ahead and initiated a mortgage refinance with another company without knowing if Dovenmuehle will accept that I have fulfilled the modification requirements. All I wanted from them was a simple answer, which I can not seem to get.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Ability Recovery Services, LLC
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
What I follow your line from suggesting that there is information that is incorrect in my credit reports to the fact that I find that it is not correct first the 3 office that gives fact information concerning the credit repair even when I keep them informed this one is not doing its job properly. He continues to put information that is fair in my credit report for which I am not guilty is that I see what any service at as if the right to put information that is unfair to the fact in my credit report and which means that my credit can not advance and that my score is really stupid or else a credible one who will not be able to allow me to take credit or want to work on my credit so that it can advance and that I was waiting for the level I am wishing for.

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 2019-09-18
Company: Comerica
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2019 my checking account with Comerica bank. I had over drawn my account {$500.00} they charged me {$35.00} for the over drawn. This some how reached to {$1100.00} I had my employer deposit a check for the amount of {$2000.00} and when I tried to retrieve money my account was already close. Then comerica bank send me a check for the amount of {$870.00} when I tried to contact them for an explanation regarding what happened with the rest of the money. Comercia states my account had closed for insufficient funds. For this I got placed on the check system for 7 years even though I paid them back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02
Company: Professional Recovery Management
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The agency has reported a {$660.00} account to my XXXX  and XXXX  account and they're not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A company reached out to me stating that I owe a debt, yet there was no supporting documentation for this claim. I want this account to be removed from the consumer report immediately. I do not know this company and I am sure have not been in a contractual agreement with them. I want this account to be removed immediately.

Company response to consumer: Closed with explanation