BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
in accordance with the Fair Credit Reporting Act. The List accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. Account name : XXXX XXXX XXXX Acct # XXXX XXXX : XX/XX/XXXX, this account is reporting inaccuracy that's hindering me and not only that i was never 30 days late. Reporting illegal information 15usc1666b BILLING error!, XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX : XX/XX/XXXX This account is outdated and reporting inaccurate information thats not valid please remove this account and negative remarks. XXXX XXXX XXXX Acct # XXXX XXXX : XX/XX/XXXX Reporting billing errors! An inaccurate reporting account needs attention please block and stop reporting late payments on the account. There are also fraudulent hard inquiries on my report without my consent and i want them removed immediately. 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 2020-04-06
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: Their investigation did not fix an error on your report

Complaint:
I have disputed and submitted a complaint about the bureaus not investigating an account with XXXX XXXX XXXX that is reporting a balance when there is no money owed to this company. I have attached proof since apparently the bureaus can do what they wish and not investigate when requested, regardless of what the FCRA indicates.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: Performant Financial Corporation
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company is reporting this account on all three of my credit reports as bad debt, this is not my account. I have reached out to the company and asked for verification of the debt. The account was opened XX/XX/XXXX and I contacted them on XX/XX/XXXX about the issue and it did not get resolved.

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 2021-03-02
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
After getting approved by XXXX XXXX with a TD Bank joint venture, I have not been able to utilize the credit they gave me after running a hard inquiry anymore. I keep getting an error that my account information is incorrect when it is the finance account is connected to my login and is working. I was able to use the credit twice before but am now not able to utilize it. I have an available balance of over {$1200.00} and the purchase price I am trying to make is below {$1000.00}. I have tried, multiple times, to contact XXXX XXXX with 4 different phone numbers and am never able to get through to a single representative. I have been on hold for more than 30 minutes and sometimes over an hour with no resolve. Their online chat is very rude and hostile with no remedies. The first two purchases were made on XX/XX/2020, and XX/XX/2020. I have made my monthly payments since then. I am completely frustrated with their customer service and feel as though they are practicing fraud by targeting individuals to apply for a finance program that once approved, you can not use.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX 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 : It 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 2022-04-15
Company: NAVY FEDERAL CREDIT UNION
State: NC
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:
navy federal credit union keeps reporting the balance on my loans with them as increase in balance or dollar amount through the credit bureaus. the balances should be decreasing but they are not. i dont like this. ive made all my payments on time with them over the phone etc. i think they are scamming me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Experian Information Solutions Inc.
State: CO
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:
1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

The credit reporting agency has information that is reported inaccurately. 
The acct # XXXX My Previous Address is not XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX. 

My previous address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX My Previous Job was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX This was changed without my permission.

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 2022-03-04
Company: Experian Information Solutions Inc.
State: OH
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:
Transactions without my approval

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 2023-03-08
Company: Experian Information Solutions Inc.
State: IL
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 Account # 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX. 

Account # XXXX XXXX XXXX. 
Account # XXXX Account XXXX XXXXUS.dept of edXXXX Account # XXXXUS.Dept of Ed/XXXX Account # XXXX. Dept of ED/XXXX Account # XXXX Account # XXXX collection service-XXXX Account # XXXXXXXX XXXX, XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX XXXX Account # XXXX XXXX Account 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 explanation
Consumer complaint received 2021-10-14
Company: SN SERVICING CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
SN SERVICING CORPORATION IS NEGLIGENT AND INCOMPETENT AND FAILED TO COMMUNICATE AND FAILED TO PAY MY HOME INSURANCE. THEIR SERVICE IS HORRIBLE AND PUT MENTAL STRESS ON MY WELL BEING. 

THERE IS A LACK OF COMMUNICATION AND RESPONSIBILITY ON THEIR PART, I ALWAYS HAVE TO TAKE THE INITIATIVE TO HAVE THINGS DONE WITH THIS HORRIBLE LOAN SERVICING COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
TransUnion LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXX XXXX XXXX Account Number : XXXX Please ensure that all information is accurate I was involved in a car crash, which resulted in my car being totaled and Gap said it wouldn't cover my claim due to them stating it was a DUI. Later to find out it was not a DUI and the gap still hasn't covered the remainder of the bill. I have provided the conclusion of the court case, proceedings and gaps bill. 
2. Validate Account XXXX Account Number : XXXX Please ensure that all information is accurate 3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please ensure that all information is accurate 4. Validate Account XXXX Account Number : XXXX Please ensure that all information is accurate 5. Validate Account XXXX Account XXXX : XXXX Please ensure that all information is accurate 6. Validate Account XXXX Account Number : XXXX Please ensure that all information is accurate

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 2022-09-05
Company: Experian Information Solutions Inc.
State: CA
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Date Opened : XXXX Balance : {$26000.00}

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 explanation
Consumer complaint received 2022-04-15
Company: Experian Information Solutions Inc.
State: MI
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 XXXX account # XXXX 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 : It 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 non-monetary relief
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Transunion has dropped my sore over XXXX points twice in the last month. The first time, it was fixed but then they did it again and there is no explanation as to why it happened, they just dropped it. I can understand maybe XXXX but XXXX?????????? And no explanation as to why its 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 explanation
Consumer complaint received 2020-04-06
Company: JPMORGAN CHASE & CO.
State: GA
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:
I have a Chase Bank credit card. Four fraudulent charges were made between XX/XX/XXXX and XX/XX/XXXX. Chase 's current practices are making it practically impossible to resolve the matter. 

You can dispute the charges on the Chase website, but you are required to check a response indicating *why*, and fraud is not one of the options. For that, you are asked to call customer service.

However, ridiculously incorrect statements of hold times ( I was told ten minutes ) coupled with actual hold times ( I was on hold for 2 1/2 hours Friday, and I am at 1 1/2 hours right now ) make it nearly impossible to resolve any issue, especially for individuals who are still working outside of the house and do not have the ability to spend hours on the phone. 

I understand that everyone has limited staff right now, but I feel that a company as large as Chase can do better by their customers. At the bare minimum, a realistic expectation of hold times or the offer of a call-back would be good.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: ID Analytics, Inc.
State: CO
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 bought a car through XXXX in XXXX. They used XXXX to pull my credit. I got 3 letters in the mail to different addresses, my home and business saying I had a XXXX score through XXXX saying I was denied the lease. My credit is over 700 on all the reputable sites ( XXXX, XXXX, XXXX ) I  called the car company and they said had I been denied, I never would have left the parking lot. I looked this company up online as I had never heard of them before and multiple people have run into the same problem and say this is Spam/Fraud and should be reported to this site. 

1 ) I have my credit frozen. So no one should be able to pull my credit score without me unfreezing it.

2 ) They are trying to get me to send them personal ID and financial information via snailmail, but don't give you access to a website.

3 ) It said I was a co-applicant, when I was not.

4 ) The reasons for my credit being " low '' with them make no sense. I have 20 years of credit history, yet it says I have limited credit history and not enough debt experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: BBVA FINANCIAL CORPORATION
State: NH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a checking/savings account via a promotional link from BBVA. They acknowlege I met the terms of the promotion which was to maintain a {$300.00} balance in their savings account by the end of XX/XX/2019. They ALSO claim there was a 90 " monitoring period '' which was not in the original terms of the promotion. I attached proof from the bank that the aforementioned period has expired and there are still no promotional funds received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Americas Car-Mart, Inc.
State: MO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Purchased car w financing through car mat car caught fire while sitting without anyone near it or in it within the first 48 hours. Car mart exchanged car taking responsibility for fire. They did not replace my items or assist me with medical from me burning hand while putting out fire. They put me another car that lasted less than 4 days due to it over heating XXXX Down I believe. I had to cover the towe of car back to the facility. From there they gave me the run around for two months and lied to my insurance about be not being compliant. They refused to tell me where my car was and they put me down as non payment and repossession now sits on my credit. Car mart stole car

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2020-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Even though XXXX is part of banks like Bank of America and others it doesnt have any buyer protection for some reason and it doesnt make that clear. 

On XX/XX/XXXX I went on XXXX to buy a XXXX XXXX  for {$280.00}. I talked to the person in question and he gave me his Phone number and his Email. He seemed trustworthy as we talked for several hours on many topics and he provided proof that the item was on hand. I payed through XXXX as I saw that it was part of the Bank of America app and I thought It was safe. After paying he said he would mail it out the next day and the next day he called and said that he had to refund the payment because it was on hold? Im not sure if XXXX works like that. And he wanted me to pay him even more money. I said no Im not paying you again but if you are truthfully telling me that you refunded it Ill wait until I have the money back and do it again. Then he said he wont send it out. I said I already payed and then he said ok and his number was now out of service. 

A few days later after I called Bank of America and explained the situation ( they said they couldnt do anything at all other then file a complaint ) he called me again from the same number asking if I got the refund. I told him no and I told him that either he gives me my money back or mails out the item. He said hold on and now his number is out of service again. 
Its now XX/XX/XXXX and I see no sign of this ever being fixed. And BoA should either take out XXXX or warn people more clearly theres no buyer protection

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 2023-03-02
Company: EQUIFAX, INC.
State: IL
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX : # XXXX, XXXX, XXXX. : # XXXX, XXXX XXXX XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXXXXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / 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 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 response to consumer: Closed with explanation