BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: TX
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in 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 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 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 2023-01-04
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:
In accordance with the Fair Credit Reporting Act, the below account has violated my federally protected consumer rights to privacy and confidentially under 15 USC1681 by not reporting accurate information in my credit report. 

Acct : XXXX XXXX XXXX XXXX ( XXXX ) share draft account # XXXX has been fully paid and closed on XX/XX/2020 and should be deleted not be reported as a negative charge off on my credit report affecting my credit worthiness as a consumer in good standings. Attached is a letter from XXXX XXXX XXXX confirming my statement above. 

*15 USC 1681 Sec 602a states I have a right to privacy.

*15 USC 1681 Sec 604a states a consumer reporting agency can not furnish an account without my written instructions.

*15 USC 1681 Sec 2 ( a ) ( 1 ) states 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 explanation
Consumer complaint received 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 XXXXXXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15. U.S.C 166b a creditor may not treat a payment on a credit card under an open-end consumer credit plan as late for any purpose

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 2023-01-09
Company: SYNCHRONY FINANCIAL
State: TX
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:
XX/XX/XXXX my girlfriend and I went to XXXX XXXX to purchase a reclining sofa and recliner chair. We found a set we liked. The salesman gave us paperwork to fill out. Both of us. Our names, address, income, etc. After a while a lady at a counter called me up holding the phone to her chest telling me, " If the bank asks, tell them you make {$5.00} a month. '' I asked why but she said nothing. I thought she was joking because I spoke with the bank and they didn't even ask me about my income. The salesman approached us telling us we were approved for the furniture we wanted. Great. I assumed it was a {$2500.00} approval because that's how much the furniture cost. Come to find out on XX/XX/XXXX that was not the case. The furniture store did in fact tell the bank I made {$5000.00} a month. I don't even make {$1000.00} a month. The fact that the furniture store lied to the bank is fraudulent. They committed fraud with my name and information. The bank gave me a {$10000.00} line of credit. When I called the bank they told me the reason being was because they were told I made {$5.00}. I told them that was a lie and they needed to remove it from my credit report. All XXXX did was update my credit with the bank. I want it removed. I DID NOT ask for that much credit. It has hurt my credit. The bank refuses to do anything about it and XXXX won't remove it. I want the account completely removed. I told XXXX it was fraud from the get go. I'm taking the furniture store to court for this.

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 2022-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 XXXX XXXX OLD Address : XXXX XXXX XXXX XXXX XXXX al XXXX NEW Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XX/XX/1991 I received a letter in the mail concerning the unauthorized inquiries on my account. You stated that they all were factual. If they were factual and you did the proper investigation can you provide me with a description of the procedure used to determine the accuracy and completeness of the information? Including the business name and address of any furnisher of information contacted in connection with such information and the telephone number. I expect to get this information by not later than 15 days. Thanks for your time.

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 2017-03-28
Company: Experian Information Solutions Inc.
State: NY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
This is not a LOAN or CREDIT DEBT but a CLAIM by a disgruntled vendor And does not since it does not include all XXXX data points in the documentation

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 2023-07-21
Company: FORD MOTOR CREDIT CO.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
This company has been practicing deceptive and unfair acts in their day to day activities. They are knowingly and willingly giving us consumers false and inaccurate information from in almost every aspect of the credit transaction pursuant to 15 usc 1611. 
Deceptive practices pursuant to 16 CFR 911. 
They had me claim a citizenships I was not apart of, took my social and used it for banking purposes on which was not disclosed, Privacy Act Violations Trading with the Enemy Act violation, Emergency Banking Violation, Fair Credit Reporting Act, Federal Code Regulations. and many more. listed here in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: Experian Information Solutions Inc.
State: NM
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:
Company Name- XXXX XXXX XXXX XXXX XXXX City and State of Loan- XXXX XXXX New Mexico Year of Loan- 2013 Amount of Loan- XXXX Reason For Complaint- Payday loan company XXXX XXXX XXXX is doing illegal activity this has been disputed in the past several times and removed off my credit reports completely and closed out with XXXX balance and somehow this company manages to find a way to put it back on my credit reports Ive tried to speak to XXXXXXXX XXXX XXXX and instead of them trying to figure out the situation they choose to argue and Harass me Ive even tried to speak to somebody higher up with authority but I never get a call back I need this company to remove off my credit reports this item is a XXXX balance and should be closed out. Also in the state of New Mexico payday loans are illegal now also this is a payday loan company that should not be reporting anything to creditors. And is illegal. therefore this company is not following rules and guidelines

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 2017-03-13
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax is continually violating my rights under the Fair Credit Reporting Act. They are not taking complaints filed against them with the Consumer Financial Protection Bureau seriously. I am now asking that the Consumer Financial Protection Bureau gets involved in this situation. I have filed this dispute on several occasions and Equifax just keeps updating my credit report with the same information. They did this again on XX/XX/XXXX. These items were no longer showing that a re-investigation was in progress when I went to their website this morning. They also added back a collection that was recently deleted. I just went to the website and re-disputed the following items : XXXX ( Balance {$150.00} ) XXXX ( Balance {$160.00} ) XXXX ( Balance {$160.00} ) They recently added the following collection back to my credit report after deletion : XXXX ( Balance {$24.00} ) I ask that the Consumer Financial Protection Bureau gets involved in this immediately, as I have been dealing with this issue with Equifax since XX/XX/XXXX. I have provided information by certified mail ( return receipt ) and online that shows that I have been in Chapter XXXX bankruptcy since XX/XX/XXXX and all accounts that I had were included in that bankruptcy. This is preventing me from getting a XXXX formed that is needed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Continental Finance Company, LLC
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Im approved already for a credit card with continental finance and applied for another card on XX/XX/XXXX and was approve. However, they never sent mail with any info. Then I applied again on XX/XX/XXXX with verification being needed, no letter request, no email request just phone reps telling me to sending social security card, address and license. This made me uncomfortable given the fact Ive managed to keep their card thats already verified with the same info on my fit card application in great standing. Lastly, they refuse to offer me any credit line increases with the card I do have and or lower my apr over the last 1 and a half

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 2022-04-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX, and I am having difficulty with my mortgage company called SPS Financing. In the past, when I applied for a deferment, sending all documents numerous of times to SPS, the company would calim that they never received documents that I sent. Until I got XXXX and CFPB got involved then SPS finally complied. I finally received the deferment and paid a fee to have my payment date moved to the XXXX of every month instead of XXXX XXXX due to I am XXXX XXXXXXXX. This company has been a nightmare from the beginningand has always had exercise predatory practice. SPS has done XXXX Annual Analysis within 15 days apart and has increased {$160.00}. Just today I received that the loan is being transferred to XXXX XXXX. 
I would like this mortgage company to be investigated due to increase of payments due to an increase payments.Attached is the documents. 

Please Address Accordingly, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: Fidelity National Information Services, Inc. (FNIS)
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 explanation
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 finish 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 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 2023-05-07
Company: Experian Information Solutions Inc.
State: VA
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 explanation
Consumer complaint received 2022-10-11
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2022 Claims Department Dispute Debit Card Transaction Wells Fargo Re : Claim Number XXXX Dear Wells Fargo Claims Department : I am writing you about the above claim number that was issued for a debit of {$520.00} on my personal checking account on XX/XX/2022, at XXXX XXXX in XXXX, Virginia. I received temporary credit and a letter in the mail asking me to call. I called on XX/XX/2022 ; spoke with an employee. They asked me a series of questions and the one question that stuck in my mind that I answered yes to be the question regarding me cancelling the hotel reservation. 

Well, come to think of it, that was a question to get the hotel off the hook for their mediocre performance and violating the law. I have disputed items in the past for poor service and received my money back. This should not be any different. In fact, all I did was check out on the morning of the third day for what was to be a seven-night stay in total. There were extenuating conditions present in my room which I notified the staff without any resolution. 

There was mold and water in the air conditioning unit that did not work. The general sanitation of the room was subpar, and the hotel smelled of urine and decaying organic matter. It was awful. I stayed if I could, but my health is at risk, and I have a compromised immune system and live with a chronic condition. All I wanted from the hotel was a partial refund for the nights I did not stay. Now you, Wells Fargo, want to reverse my transaction because you said I cancelled it, and that the hotel has a no refund or cancellation policy. That is where this ended, and I was told that the reversal will be on XX/XX/2022. 

I want to appeal your decision as it is the hotel negligence that I had to check out early from this location. The staff were rude and did not want to help at all even when faced with the fact they have poor operations in that hotel. I have contacted the health department and they are investigating their sanitation issues. I do not feel I should have to take this up with the courts as it stands. If this were a credit card, I would not have any issues likes this. 

Why am I having problems now? You are taking the merchants side on this because of a policy they have that you may or may not have read and it is quite possible that the policy they are trying to enforce is bogus and not enforceable. I can almost guarantee you that they resold the room for the remainder of my stay and got to keep my money and the new guests money as well. I will not allow this to happen to me and you will be held accountable if you reverse this transaction. I have rights under the Consumer Protection Act of both US Federal Act and the Code of Virginia.

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 2022-04-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I am from Louisiana and found a car I was interested in buying online in XXXX, Tx. I spoke to the dealer and made arrangements to purchase the vehicle. I had a friend bring and drop me off to do so. XX/XX/2022 I purchased the vehicle from XXXX XXXX. Not being able to review the contract while in the company of the finance manager representing XXXX XXXX due to no copy being supplied and having to rely on a video display and the finance managers word I didn't realize the vehicle price was altered to a higher price than advertised and agreed upon. Nor was there any explanation that my loan would be transferred to NMAC and that they would be tacking on all these finance charges. I would later found out all this information after I sent a debt validation to NMAC and they returned a contract for validation. This contract along with another that would eventually be sent during my communications with NMAC are both dated incorrectly with separate dates all of their own and with signatures I did not sign. These signatures are replications from a computer copy and paste as they are all identical with obvious discrepancies from copy and paste method. After communications with the TX XXXX and my case review XXXX XXXX the investigator with enforcement division of the TX XXXX issued a violation 215.242 to XXXX XXXX in lieu of this deceptive practices.

Company response to consumer: Closed with explanation