BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : 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 2023-01-12
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
XXXX XXXX did not help me resolve the disputed charge of {$4400.00}. The reservation was on XX/XX/XXXX and was canceled on XX/XX/XXXX because I couldn't contact the XXXX host for 24 hours. According to XXXX, if the guest can't reach the host, there will be a 100 % refund ; however, XXXX XXXX  did nothing, although I submitted all the records. I complained, and XXXX refunded {$570.00} a couple of months laterXXXX XXXX XXXX  did not protect consumers ' rights, and the complaint department did not even look at the information I had submitted..

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 2023-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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 did not give concent to any company nor reporting agency to report any payment or transactions on my credit file. 

Written Notice Per the FCRA as a federally Protected Consumer I am now opting out of any and all authorizations I the Consumer may have given you written unwritten verbal and nonverbal per 15 usc 6802.

The Privacy Act of 1974 prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual. It also protects individuals by ensuring that federal agencies only collect personal information that is LEGALLY AUTHORIZED and necessary. 

Some examples of privacy violations include : *Sharing data with third parties WITHOUT AUTHORIZATION *Using customer information for purposes other than its intended use Some exceptions to the Privacy Act include : *Information FOR a CIVIL ACTION proceeding *Material reporting for INVESTIGATIVE EFFORTS related to CRIMINAL LAW enforcement. 

All listed below who are in violation * XXXX XXXX XXXX Acct # XXXX * XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX * XXXX XXXX  XXXX Acct # XXXX * XXXX XXXX Acct XXXX XXXX * XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX * XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX /Acct # 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 2023-03-16
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:
In accordance with the Fair Credit Reporting act and 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 : 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 account under an open-end consumer credit plan as late for any reason.

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 2019-04-19
Company: United PanAm Financial Corp.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
in XXXX I noticed that I am victim of identity theft. I opted to place an fraud alert with the 3 principal credit bureaus nationwide. 
In XX/XX/XXXX, I receive a letter from the lender notifying me a reassignment of contract transfer the contract to the original seller ( confused me more ) and removed my loan account from my credit report. ( This account is not in my credit report anymore ). 
But wait if isnt this account in your credit what that means? 
Adding to this I send An email to the person that indicated in the letter with any response, till last week a guy call me supposed to work for the lender, and when I asked him about this letter he just put the call in hold and then cut the call, after that I get a couple emails that they need the payment. All this is confusing to me because as an victim of identity theft is really stressful this situation please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
I have been diligently trying to rebuild my credit since XXXX ... I have disputed / reported many discrepancies & have successfully removed a lot of them ... however, there are presently 2 items within the 3 credit bureaus that are inconsistent ; a collection is removed by both Experian XXXX XXXX, but it is still on XXXX ... a medical collection is removed by Experian / XXXX but still appears on XXXX... finally, my length of credit history is inconsistent for all of them ; XXXX is the only bureau that recognizes that I had a Dept. of Education loan that closed back in XXXX, yet all 3 bureaus insist my score age is only 7 months old. I had messaged XXXX prior to this complaint, and was told by an employee " I dont have access to your XXXX account '' to which I was astonished by. I have a Fair rating as of XX/XX/XXXX and feel these inconstancies are preventing my score from being Good to Very Good.

As previously mentioned, I think as an individual I've done all I can with trying to resolve said issues with the 3 individual agencies and the CFPB. I think now would be the time it'd be worthwhile to seek professional advice / action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20
Company: American First Finance, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
This account reported to the credit bureau late 30 to 60 days. when this account was open i was old this was not a credit base account. the creditor did not notify me that my account was not current. this account was placed on autopay in which a receipt was sent monthly stating that the bill was paid. No phone calls or letters that stated otherwise. I attempted to call multiple times to resolve the issue with no help just being passed on from one person to another. This matter has caused serious mental distress being as though am due to settle on a home in the next two weeks. I've been told this matter will correct itself and there's nothing more that can be done. in accordance with Fair credit reporting act XXXX  account ( XXXX XXXX XXXX XXXX  ) and American first finance has violated my rights. 15 U.S.C 1681 section 602 A states the right to privacy. 15 U.S.C 1681 section 604 A It also states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
My information was used improperly, In Accordance with the FCRA section 611 this companies violated my consumer right. please kindly remove all the inquiries from my credit report because i did authorize them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2023-12-15
Company: Continental Finance Company, LLC
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
i have been a customer with this bank for over XXXX year. never miss and payment never late all way the balance in full, in XXXX my bill was XXXX in XXXX my payment was XXXX so therefore i pay the XXXX in XXXX i pay a XXXX on my account, in XXXX i pay XXXX. talk to the bank they stated that i have no payment for XX/XX/2024 that what so confuse is why there is no payment for XX/XX/2024. ti though that by my pay the XXXX a moth payment. that i did not owe any payment tile XXXX XXXX  i apply for a credit limit increase. and they response back by e-mail reference # XXXX stated that your account has ad a past delinquency over the last XXXX  month and i disagree with bank iam over pay by a XXXX, i believe that my next payment shall be in XX/XX/2024 for XXXX because i have pay XXXX in the last month the bank is wrong. that not how my credit card work/ the bank needed to correct this error. i do not miss any payment on any of my credit card and i got XXXX card. and they are never last

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 2023-03-16
Company: Experian Information Solutions Inc.
State: AR
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:
Closed accounts still on my report. 
Accounts in collection and on my report that have not gained my permission to obtain my report or add anything to it.

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 2023-12-05
Company: M&T BANK CORPORATION
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:
M & T bank, XXXX, XXXX and XXXX are violating 15 USC 1666b. These companies are reporting inaccurate late payments on my consumer report.

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 2023-12-05
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX XXXX there was a small unauthorized transaction of {$11.00}. I contacted chime and was able to receive help from a kind representative after a few attempts. She issued me a new card through the mail which would take 7-10 business days. She then issued me a temporary digital card to make any necessary payments and filed a dispute ( case ID XXXX ). I spent {$110.00} on a website of my liking that same day. Later on that day following the next XXXX, there were four unauthorized transactions still being made. I didnt have my XXXX card yet. I couldnt file a dispute just yet because the status was pending. I was then able to file a dispute rebuttal. My account was being used up until XX/XX/2023. An agent was able to review my dispute report with me and we concluded an amount error of {$810.00}. The agent CORRECTED the amount for me to {$700.00} and gave me a new case number ( case ID XXXX ) and left a medical note on my case. The {$110.00} was taken off my report. She saw that the merchants had to CREDIT my account previously and, said that my name & account shouldnt be in their system in the first place. I am unable to file a proper police report. Less than XXXX hours, chime denied my corrected rebuttal and sent a document with an ERROR. It says {$810.00} which is incorrect. I was unable to get to work and travel to/from the hospital that my family is still in because of this error. Please fix this and return my stolen funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: Local Management, LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I have an open account. My due date is the XXXX of every month. Someone visited my hone and left a threatening letter on the XXXX. A late fee has not been added to my account and the was one other time a late fee was added. I have never paid account beyond 30 days and this is not the type of letter I, or  anyone else, should receive if account is not " seriously delinquent '' as letter so states.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: National Credit Systems,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 information incorrect

Complaint:
Incorrect credit reporting. XXXX. No response when trying to settle. 

National Credit System Acct XXXX ( collection for XXXX ) Phone # XXXX Balance {$3900.00} Being transferred to a law office that wont return my calls or emails. Cant settle debt that we dont even owe. My signature IS NOT on the form.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: M&T BANK CORPORATION
State: WV
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
This Lender was stopped from reprocessing my Vehicle ( an RV ), because I got them satisfied but they picked my RV earlier ( repo ) than they agreed, and in the process of driving/towing moving my RV they they ruined my RV. I got it back because it was drivable but ... I did not realize they damaged it so severely but they did ... .The wheel came off at XXXX MPH and destroyed the rear axle, I then SAID I DO NOT WANT THIS ITS RUINED They take it and have had it since XXXX, no auction yet they say its awaiting ( Fixed or Still Damaged ) They Send me this email..telling me I still owe the entire amount of the original contract on a vehicle they rendered worthless. Below is their email to me. No auction I want an almost as nice RV as I had before they ruined it, or all of my over {$30000.00} already paid to this Bank, and my credit rating corrected. 

Installment Loan Collateral : XXXX XXXX XXXX repossessed/at auction Status : charge off Good afternoon XXXX XXXX XXXX Please be advised that my records indicate this collateral was repossessed XXXX/XXXX/XXXX, and is at auction awaiting sale. Your current balance is {$31000.00} good through XXXX/XXXX/XXXX with a daily per diem of {$6.00}. 



Please contact me directly @ XXXX if you have any further questions or concerns. 



Thank You, XXXX Last name removed XXXX Last name removed XXXX XXXX XXXX XXXX XXXX XXXX Management Dept. 

XXXX XXXX XXXX XXXX N.Y. XXXX Phone # XXXX ext. # XXXX Fax # XXXX email : XXXXXXXXXXXX M & T Bank- '' Understanding What 's Important. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: Experian Information Solutions Inc.
State: IN
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 ...., XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX ...., XXXX XXXX XXXX XXXX  XXXX ...., XXXX XXXX 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. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no 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 2021-12-09
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
Hi. I ordered a XXXX electric toothbrush on XX/XX/XXXX for XXXX. I received it XX/XX/XXXX. It wouldnt turn on and was broke. I called XXXX XXXX XXXX customer service number and they told me due to Covid they are not taking returns or Credits. I disputed this with my Goldman Sachs card. Ive since come to find they have the worst customer service in the business and dont care if you receive something that doesnt work. I have now disputed this 3 times and they keep coming back showing me proof that I received the tooth brush. I did receive it and I keep telling them that. I dont understand how I can be stuck with this product that is broke.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Experian Information Solutions Inc.
State: SC
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 10th 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 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 2022-10-20
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
hello, i needed a vehicle very badly due to me having a child and needing to get to work in a reliable way. i saw a vehicle that i was interested in so i decided to go see it, i went to a dealership about an hour away from my home named XXXXXXXX XXXX XXXX i really liked the car i went to go see, so weeks prior to me going in person to see the car i was looking at online photos everyday of the car, the pics were not showing the entire interior, only angles of certain parts of the interior, and me being an impulsive person, as soon as i seen the car i was eager for a test drive, i test drove the car and it drove kinda rough, i was still interested, i had {$1000.00} in cash as a down payment, the dealer told me they will put {$1500.00} on the credit application and told me to pay them back the rest when i get paid again from my job, they also added on the application that i was self employed, i didnt really know what to do or say so i agreed with everything, i left with the car with a paper tag, i then got home, where my child was with my mother, i was putting my child in the car and reach for the rear seatbelt, there were no seatbelts in the rear at all, and also in trunk there was sooo much damage so obviously the car was in a accident before me i was in shock and immediately went to call the dealer ship, no answer, i left a text message and didnt get a response til the next day, the message i got said they have someone to install the seatbelts for me, mind you the radio speakers didnt work at all so they said they will fix both at the same day, that was a lie, after 2 months of lying to me about actually getting them fixed, they finalized reached out to me and wanted to help me with my issues with the car, by the time i got the seatbelts fixed my front headlights stopped working out of nowhere and i had to drive at night like that, and the car wouldnt go over 20 mph and sometimes wouldnt start at all, and the worst part of all of this, the car smelled wet everytime it rained outside and began to grow mold right under my childs car seat adapter!!!! after that i stopped driving the car, i grew tired of the issues so i decided to surrender the vehicle, i was paying {$440.00} for this vehicle every month, the vehicle is a XXXX XXXXXXXX XXXX. this has caused me emotional distress, and XXXX because im stressing over a vehicle thats not even worth it and now i have no vehicle and they still want me to pay the {$10000.00} remaining balance on the vehicle 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