BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-08
Company: EQUIFAX, INC.
State: NJ
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:
On XX/XX/2020, I had received notifications from each credit reporting agencies as well as other vendors such as a bank, XXXX XXXX and XXXX XXXX, to just name a few, regarding the significant decline ( > 40 ) of my credit scores. 

I had contacted XXXX  ( student loan lender ) on XX/XX/XXXX and XX/XX/2020, regarding the decline of my credit scores, and the comment that a remark has been removed from my credit reports caused the decline. I was informed that all of my accounts are in good standing and a few of my loans are currently in forbearance due to COVI- 19, and I have a couple of accounts are in a grace period. I was informed to contact the credit reporting agencies because it is the credit reporting agencies who has the ability to make a decision regarding my credit scores. I had informed the representatives that I had contacted the reporting agencies and I was informed to contact XXXX. I had requested for this matter to be investigated but was told that noting can not be done because all of the accounts are in good standing and this is has been reported to the reporting agency. After expressing the concerns I have and the request for XXXX  to advocate on my behalf, I was than informed that I can only make a complaint via writing a letter and sending supporting documents to XXXX  compliant departments. 

XXXX  submitted a dispute on one account but I was told that I can not dispute the other accounts due to the fact that all accounts are in good standing, but I was informed to contact XXXX  regarding my concerns. Equfax provided the same recommendation but I was informed to contact XXXX and the Board of Education. I contacted the Board of Education and was informed to contact the reporting agencies and XXXX. Each party stated that my credit scores should have not declined so significantly, as all of my accounts are in good standing and are either in forbearance or in a grace period. 

Since I was told that I could not submit dispute regarding my credit scores because of the reason above, I did not move forward to dispute with XXXX. For XXXX, there is no option to dispute my credit scores. 

I have made attempts to resolve my concerns but have been recommended to call each parties, with no solution. 

Thank you for your time and patience to assist me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
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:
A landlord fraudulently billed me for charges I did not owe. I sent all details and evidence to Experian and they did nothing. The landlord has never given any evidence.

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 2023-07-11
Company: ALLY FINANCIAL 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:
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is 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 non-monetary relief
Consumer complaint received 2020-06-08
Company: ACIMA CREDIT, LLC
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/XXXX I entered XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, UT XXXX, where I was looking to purchase tires for my XXXX XXXX XXXX. XXXX XXXX serviced the car and told me I could finance the tires on a 0 % interest loan for {$50.00} or so eveXXXX XXXX weeks until it was paid off. All I had to do was physically go around the counter and type in my bank info. That should have set off some red flags right there but they seemed trusting. Without giving me anything to read or to sign, they set me up on a payment plan where they took a total of {$320.00} over 4 months. After a while of this, it seemed like it should be close to having the tires paid off. So after contacting my bank, finding out who was charging me, and getting in contact with them, I learned this. 

That XXXX XXXX did not set me up on an interest-free loan but instead, they set up an account in my name with this shady payday-loan-esc like a company called Acima.  And instead of a loan, it was a shady lease to own, with, if you do the math, an ungodly interest rate. The total lease would have totaled {$1400.00} which is more than double the cost of the tires. Even more, the signature at the bottom of the lease agreement they provided me is not even in my handwriting! 

After confronting XXXX XXXX on the matter, around XXXX, the only thing they said they would do is remove the tires if I purchased new ones. They were not willing to refund me or resolve the situation in any way, so I left empty-handed. 

Even after returning the tires to Acima and filing a police report for the fraudulent and misrepresented purchase. Acima still will not refund me, even more socking is they are asking for the taxies for {$1400.00}. So now I am out of the tires, the {$320.00} they took directly out of my account plus they want me to pay an additional {$120.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED 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 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 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 XXXX  Account Name XXXX XXXX XXXX Account # XXXX, and Account Name XXXX XXXX XXXX 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 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 2019-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. If no proof found, therefore it must be deleted. 

Public Records : Chapter XXXX Bankruptcy : Bankruptcy. 
Reference 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 explanation
Consumer complaint received 2020-06-08
Company: Santander Consumer USA Holdings Inc.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a closed account with Santander from XXXX. Im in the process of purchasing a home so I had been reviewing my credit report. On XX/XX/XXXX I noticed there was a late pay charge from XXXX that was incorrect from Santander, so I submitted a dispute online to have the late pay charge investigated and removed. Instead of investigating the late pay charge, Santander changed the status of my account with all three credit bureaus from paid as agreed to charge off. I made my last payment to Santander XX/XX/XXXX, how could my account have been in paid as agreed status for 4 years and all of a sudden its changed to charge off because I disputed a late pay charge from 5 years ago. No one in the Executive Office is able to explain to me why my closed account was recently updated to Charge Off after 4 years??? It seems like this is retaliation against me for disputing the late pay charge and possibly being solicited for the ongoing lawsuit against Santander. I feel Im being extremely mistreated and would like someone to look into this as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11
Company: Atlanticus Services Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have had an active account with Fortiva since the beginning of last year ( 2022 ) and have made payments on time since its start. I was not notified that they were to be closing my account and opening up a new account in my name ( they called it an " automatic upgrade '' ) in XXXX of this year. The first I heard about these changes were through XXXX XXXX, who let me know that the Fortiva account I had before had been closed and then another had been opened and the previous balance transferred. I got a letter and a new card in the mail a few weeks later, and when I called to have these changes reversed by Customer Service, they said they can't reverse the changes. They offered to close the account, but the remaining balance would have had to be paid in full to avoid penalties, excessive interest, etc. I never agreed to these changes, and they have impacted my overall credit scores and inquiries/account histories for my credit report. I have tried multiple times to contact Fortiva and every time I have, they tell me it's not possible to reverse these changes that they made on my behalf, even though they were done without my consent. 

Companies should not be able to just close your account and start a new one in your name without you deliberately opting IN to the change, and this company has decided that a lack of response from its consumers constitutes permission -- this is ( or should be ) illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: TD BANK US HOLDING COMPANY
State: MI
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 a loan with XXXX XXXX, TARGET/TD, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, XXXX XXXX, TARGET/TD, and XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the ftc report. If this situation is not handled accordingly, I will seek legal action against you guys.

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 2023-07-11
Company: Experian Information Solutions 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:
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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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
Consumer complaint received 2023-07-11
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
See attached documents. Remove this personal information that does not belong to me.

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 2023-06-22
Company: Experian Information Solutions Inc.
State: WA
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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX  XXXX XXXX 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 2023-04-21
Company: Experian Information Solutions Inc.
State: NJ
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:
The folllowing account is being reported inaccurately ... .... 
XXXX XXXX XXXX XXXX {$120.00} The Balance on this account has been paid in full.

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 2023-07-11
Company: CITIBANK, N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hi, I need funds $ XXXX from my Citi bank account for my closing yesterday ( XX/XX/XXXX ). The bank has locked my account for unknown reason and not releasing my funds, which is causing uncertainty and stress. Could you please help?

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 2018-03-09
Company: JPMORGAN CHASE & CO.
State: CA
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 was traveling in XXXX in XX/XX/XXXX. When I went out, I got the huge amounts spending notification from my Chase app, I called the customer service right away because I believe the transaction is wrong. When I talking to the customer service, the second and third huge amounts fraud transactions have been made until the fourth was failed. ( They should have the phone voice records ) The customer service said, " no worries if the transaction is not made by cardholder ''. And then I went back to my hotel, someone took my wallet in my room. I called the police with hotel staff assistance, they made a police report for the loss. I did also hire lawyers firm to sue the hotel because the counter passed the keycard of the room to someone who pretended is my brother. I won the lawsuit that sues the hotelin XXXX. The hotel claims are their mistake and proof those transactions not made by me ( because I am in the hotel, not the store ) and the signature of credit card bill is not match with the card. 

I thought I will be worries free with the card but after few months of disputed, Chase XXXX the fraud charges in my account, they said the store claim I took the items away ( but it is the theft, not me ), so they have to re-bill the charges to me. I submitted my police report and gave them the contact number of police, my police report number and the hotel management contacts for them to verify this case. However, Chase recovery team who took care of my case ignored my claim. ( In XXXX, the police don't give the hard copy of the police report, that is the hotel manager told me so they made a proof of police case number ) How is that possible that I have take this responsibility of the charges that not made by me? 
-- -- - CHASE BANK XX/XX/XXXX - XXXX XXXX XXXX XXXX {$5000.00} XX/XX/XXXX -  XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX {$4100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXXXXXX 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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i did not open this account it was opened frequently. I have notified the company but cant reach fraud dept because they will not provide full account/card number

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 2023-06-22
Company: Experian Information Solutions Inc.
State: MI
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX - XXXX  - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately

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