BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
The unverified items indicated below continue reporting on my credit report despiteseveral written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you donot validate these items. Please follow the law so that this situation can be settled quickly. 

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 2023-06-23
Company: Experian Information Solutions Inc.
State: AL
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:
XX/XX/XXXX A dispute has bee filed with each Credit Agency. XXXX, Experian and XXXX, Experian Business Credit. As well as my second complaint in the past 3 years with Consumer Financial Protection Bureau. I made submitted a dispute in XXXX and the account was removed from my reports and then a few months later placed back on my reports as well as my business credit reports. It has prevented me from obtaining funding for my business. Constantly accessing my credit without my consent. Reporting late payments currently on a closed account/ charge off that isn't mine. I was told by XXXX XXXX that the account was FRAUDULENT and they repossessed it that it would be removed from my credit report. I have requested bourdon of proof several times I was a victim of the of the XXXX XXXX breach as well as XXXX. XXXX XXXX saw that I tried to obtain a credit card which I was denied due to inaccurate/ fraudulent. XXXX XXXX XXXX  XXXX. How did they get my current information? They offered me a credit offer for a XXXX XXXX on XX/XX/XXXX. I declined the offer due to my not opening the account at all. They have sold the account to other Collection Agencies then report as if its a new account. These are the dates : XX/XX/XXXX I contacted XXXX XXXX after it was on my credit report. I disputed them 9 or more timesXXXX, XX/XX/XXXX after it had been placed on my business credit report, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX until I wasn't allowed for a while until today.

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 2021-05-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am represented by an attorney and do not want to be contacted by capital one directly for any reason. Capital One should contact my attorney Capital One is trying to collect on a debt that is not mine and I would like to have it removed. I am the victim of identity theft. I do not want Capital One to call me, email, me, or even mail me. Please only contact my authorized representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
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:
Reported Experian to CFPB. Experian responded thru CFPB that they would remove negative and closed accounts and ti refrain from reporting any negative item ( late payments etc ) As of XX/XX/2023 these items still remain on my credit report. I expect CFPB to do their job and enforce any violations. I filed a complaint last night on Experian and received no response or acknowledgment of the new complaint due ti Experian continuing to show closed and negative information on my credit report. I expect CFPB to do their job. All violations will be enforced and penalized for misuse of my personal and financial information even after you were warned and instructed to refrain from usage. and to remove from my report. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presuri that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. HJR 192 Public Law 73-10. FCRA. RICO Law. 18 U.S. Code 242 - Deprivation of rights under color of law. 15 U.S. Code 1681b - Permissible purposes of consumer reports

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 2022-04-04
Company: MARINER FINANCE, LLC
State: PA
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:
Do to these unauthorized inquiries on my credit report iam unable to obtain a auto loan to buy a car due to the unauthorized XXXX inquiry that was taken place on my report XX/XX/22 and the unauthorized inquiry that was taken place on my report on XX/XX/22 Im unable to obtain any credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: NAVY FEDERAL CREDIT UNION
State: PA
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:
Do to these unauthorized inquiries on my credit report iam unable to obtain a auto loan to buy a car due to the unauthorized XXXX inquiry that was taken place on my report XX/XX/22 and the unauthorized inquiry that was taken place on my report on XX/XX/22 Im unable to obtain any credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2020-03-06
Company: MoneyLion Inc.
State: GA
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:
Money Lion has a instant feature for paying off a loan. It's instantaneous by credit or debit card. They are taking days to complete the transaction like an ACH. This is not the description of the product presented. Money Lion needs to honor what they present as products. They are falsely representing the services they market.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: SECURITY FINANCE CORP
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/2020 Security Finance of XXXX contacted my mother ( I am XXXX years old so definitely not a minor ) because she was on my reference list. They then disclosed exactly how much was overdue on my account and how late it was behind. My understanding is that this disclosure of information is illegal since I am not a minor. I have not given them permission to discuss my account information with anyone other than myself.

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 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
These companies added hard inquiries to my credit report without my consent 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 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 These companies added something to my credit report without my consent and i am not aware of what some of these are 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 explanation
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Transunion is deliberately reporting incorrect information on my report which has significantly affected my score compared to the other credit reporting agencies. I have reached out to the company that I have direct credit with and they have assured me that the information on Transunion site does not reflect their updated report. This is for my student loan and car loan. My student loan is on an income repayment plan for the past few years and yet last month Transunion alone reported it late for 30 days. I called the student loan servicing company and they said they did not report such information.

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 2021-05-15
Company: Jon Barry and Associates, Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have several medical bills showing on my credit report and I turned in my Medicaid Card number to all companies. It's still showing on my report. Can you help? Thank You XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: CarMax, Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Loan opened without my consent or knowledge

Complaint:
XXXX XXXX XXXX  Carmax 's business practice egregiously crowbarred their auto finance loan using the bait and switch method. They openly denied my XXXX XXXX XXXX XXXX of {$55000.00} stating XXXX XXXX needed more verification to use the XXXX XXXX XXXX XXXX 

Carmax forged my signature to an e-file contract claiming Carmax auto loan has the same terms and conditions as XXXX stating they mirror each other when it comes to credit. Carmax associatedwas clearto assure me due to having great credit I would be approved, and another creditcheck would not be needed. 

Between the months of XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX my credit was going up and down of points all due to Carmax Auto loan originally ( {$28000.00} ) with a 15.70 % APR for 5yrs. Carmax associated misled me to believe I wouldn't need another credit pulling. 

On XX/XX/ while on thepremises Carmax forged my signatureto intentionally pull my credit well over 50 times till creating an error inquiry code, while still feeding my informationto other financialinstitutions for a car loan ruining my credit. 

UnknowinglyI became a witness, and a victim to an empire dealership who hascommittedacrime in my face. I have now become a credit risk to my personal credit, and to my business. Carmax showed no accountability to the multiple violations they have committed. 

Carmax have been reporting on my credit now as a charge-off stating I own them {$9600.00}. 

I have attached the multiple inquires, they have committed while still feeding my credit to others on XX/XX/ and my theft report. The forge contract showing my own signature, and the forge name they sign to their own contract. The police report. 

The Prequaified XXXX XXXX letter that was already approved for said amount, which I called to verify I just needed to pick vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-28
Company: WELLS FARGO & COMPANY
State: NV
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 account was charged off and is now no longer required to be reported on my consumer report please see attached documents!

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 2017-12-18
Company: EQUIFAX, 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 made a dispute concerning the adverse accounts that should be removed from my credit report as per FCRA. Neither the creditor or the credit reporting agency will remove the items disputed. These items disputed are either fraudulent and or unverifiable and no proof has been give regarding the accuracy of the items. 

Remove : XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
Company: Chime Financial Inc
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2023 I received a Welcome email from Chime, an online banking service, congratulating me on opening a new Checking account with their institution. Within minutes I received another email from Chime advising a credit card would be sent to me once I make a {$200.00} deposit into the checking account. 

I immediately called Chime to report the opening of both the checking account and credit card application as fraud. I advised Chime that my identity had been stolen and there is a freeze and fraud alert on my SNN through all major credit reporting agencies. Chime stated they would immediately close the accounts, which they did. However when I asked how the fraudster was able to open accounts with their bank without proper Consumer Identification Due Diligence policies being followed according to BSA/AML laws , XXXX ( the representative I spoke to at Chime ) was not able to provide me an answer. When I sent in my FTC identity theft report to Chime, requesting a copy of the application submit as well as an explanation on how this fraudster was able to open an account without being properly identified, the member services rep only provided the application. Again they did not answer my question. Upon reviewing the information submitted on the application I noticed while the fraudster used my correct address on the application, they used my maiden name ( which I havent used in almost 11 years ) and they used a telephone number that is NOT in geographical area of my address nor is it listed on any of my credit report. All phone numbers on my credit report are local. Ive worked in the financial industry for over 20 years. Therefore I know this shouldve been a red flag for Chime! Additionally, this fraudster has tried to open accounts at other banks such as XXXX, XXXX, XXXX XXXX, etc and in each instance the application was flagged due to inconsistent information provided, the account was not opened, and I received letters from each bank indicating my credit was frozen and I needed to call to be identified before the accounts could be opened. Chime has set the standard that anyone can go their website and open fraudulent accounts with being probably identified. I believe This company should be looked at future to ensure they are doing enough to prevent consumer fraud and money laundering according to XXXX and BSA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Block, Inc.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/2023, I made an online XXXX purchase. The amount authorized and deducted from my account was {$17.00}. 

On XX/XX/2023, the above transaction was updated to {$16.00} and also deducted from my account. 

CASHAPP did not make an adjustment.

CASHAPP never reversed the {$17.00} either or deducted {$.00} to true-up the total amount of the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.

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 2018-11-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
False charges to my account. I have called BOA multiple times, they have refused to follow the regulations of my type of account! They charged {$35.00} twice this month. Once for {$1.00} and once for {$15.00}. I have tried to explain that not only is my account set up for overdraft protection. It is also set up for direct deposit where {$12.00} monthly fees are suppose to be waived. Since there are frequent deposits set up monthly they are not suppose to charge that fee. This is what it says when you sign up for the account. Same thing with the {$35.00} a month fees. I was told that there is overdraft protection where my Savings and my Checking are linked for my protection of these fees. 

These regulations are not being applied to my account and when I call into the Customer Service Call Center I am being hard balled by their agents. 

I was told by their agents on multiple occasions recently, that there was a problem with the " system '' allowing the fees to be waived. 

For starters I have overdraft protection, and I can prove that the money was suppose to be pulled out and transferred to protect me from these multiple charges. I was told that they could not fix this problem, though my funds are always in there. 

It was to my knowledge that as the consumer I am protected by these rights and regulations of the bank and FDIC. So why am I getting these fees that are not properly being handled by the bank?

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 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items 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 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