BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
15 USC 1681I ( ii ), it is crucial that accurate information is reported on my credit profile. The incorrect entries on my report are damaging my creditworthiness and financial reputation, which is unacceptable given the protections afforded to consumers under the law. This account was removed previously and now has been reinserted. According to the law before reinserted account, the consumer must be notified, and I wasn't. My identity was taken, and Falsey inserted on my credit. 

ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT # 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 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting 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:
These inquiries including on the attached police report document provided are fraudulent and i did not authorize, they are fraud inquiries.

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 2023-06-23
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Bear with me, my name is XXXX XXXX LVNV Funding or Resurgent Capital Services or Resurgent Debt Collection, all one company operating under different alias ' claim that I owe them upwards of at least {$25000.00} and I have never opened an account with them, applied for an account with them, nor did I willingly give them my Name, number, social, email or mailing address, therefore they stole all my identity and are now using it to extort me out of money that they claim I owe them. I'm aware of my rights and I stand on them so as a surety I mailed them a " Cease and Desist '' letter on XXXX XXXX, 2023, they continued to harass me, therefor an invoice and a list of violations they committed were mailed to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: EQUIFAX, INC.
State: TN
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:
Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-05-03
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:
I have disputing some incorrect information on my Experian credit report 3 time on report number XXXX and XXXX and XXXX each time I received a response back in 2 weeks. Each time the failed to properly investigate and sent back items were updated. I have read and followed FCRA to get an proper investigation but, I have failed to get a proper investigation. My 1st letter I sent in asking under FCRA section 609 ( 5 ) ( A ) to delete all unverifiable information that was discovered on my credit report. The second letter I ask under ( 609 Disclosure to Consumer ) My file documents Experian used to verified my accounts. They have failed to correct after 2 attempts. This is a voilation of The FCRA.

The 1st error is my XXXX XXXX account they have it listed as a charge off account. This is an error XXXX  is reporting it correct as a apaid as agreed account. I dispute this with the furnisher and they email me back stating that is not a charge off account. I have been trying to get Experian to correct this mark. I have attached the email XXXX dispute department sent me to prove this. I sent this email into Experian and Experian refused to correct. 2nd dispute XXXX XXXX XXXX they are showing a 30 day late payment in XX/XX/XXXX i disputed this error. Now XXXX XXXX and XXXX all reporting no 30 day late payment. I sent copies of the other credit reports and show you are the only credit report showing this late payment. They still have not changed the status. 

The 3rd error is XXXX XXXX I am disputing this account and ask for my file Under 609 Discclosures to Consumer asking for file to verify this account. Experian sent me back saying updated all Experian did was move the charge off date from XX/XX/XXXX to XX/XX/XXXX just shows they are not properly investigating any information on my report. 

The 4th and last item XXXX XXXX this is an error again I ask for my file disclosures they used to verify this account they have failed to do so. How does the cunsumer get the credit reporting agency to investigate your information. I ask Ask them to remove an address I have never lived at a PO Box address they refused to remove. I askThe are not suppose to be parroting information but do an investigation to make sure they are reporting correct information. Please help in this matter

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: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-24
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I informed my private student loan company Navient that I have had health issues that caused me to lose employment. My health issues started in XXXX  and I am still pending another XXXX. Last year I had XXXX XXXX. With that stated I told Navient that I could not afford to pay my loans as we are only on one income which is my husbands. After rent, utilities, car payment, car insurance, cell phone, bills and including the student loans payment we are left with nothing for groceries. They asked me how much I can afford to pay and I have stated XXXX XXXX dollars and yet they still did not take that into consideration. Each time I am on a new payment plan they hike up the payment significantly. Why are they so misleading in acting like they will work with me when really they won't. So now we moved to Indiana and due to the move it set us back financially. Now I need to go in to a deferment to give me us time to recover financially from our move.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: Lending Club Corp
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have a payment due the XXXX of each month. Next payment was due on XX/XX/2021. I called and made the payment on XX/XX/2021. This was a regular payment, NOT an extra or interest only payment. I made sure the rep I spoke with was aware of that, she confirmed it. They took the payment which reflects in my history. However for the 2nd time in 3 months with this company ( first XXXX XXXX ), they didn't apply the payment correctly and now say I still owe my XX/XX/XXXX payment, even though it shows in their payment history. When I call customer service, nobody knows how to correct the problem and I just get transferred indefinitely. They also refuse to let you speak with a manager or somebody who can correct the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Mercedes Benz Financial Services
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Refusal to accept tender of payment. I have attempted on several occassion to fufill any financial obligation with Mercedes Benz FinanciaL. My attempts to tender payment have been met with refusal. I have attached proof of the attempt to tender payment as well as proof received by Mercedes Benz Financial on XX/XX/2023, which was my last attempt. My account is still showing a negative balance as of XX/XX/2023. According to UCC section 3-603 tender of payment-a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. 

( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. 

In addition according to Mercedes Benz Financial XXXX document on securities and exchange commission, Article Four in reference to Satisfaction and discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Mercedes Benz Financial Services
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Notice to repossess

Complaint:
Violation of comsumer rights - On XX/XX/XXXX I received notice of intention to repossess from dated XX/XX/XXXX. Mercedes Benz financial does not have the right to repossess my vehicle vin # XXXX. I sent notice to Mercedes on XX/XX/XXXX revoking their right to repossess attached here. I also did a certified search with the state of Georgia and there is no lien against my vehicle vin # XXXX certified copy attached here. According to Mercedes Benz Financial Prospectus document they are fully aware of the laws regarding the Uniform Commerical Code attached here. Futhermore they do not have the right to repossess because I have a lien against vehicle Mercedes benz XXXX and vin # XXXX filed in New York State Department of Uniform Commerical Code on XX/XX/XXXX. This lien is still active in thier system until XX/XX/XXXX, file # XXXX proof attached here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Mercedes Benz Financial Services
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Violation of consumer rights on XX/XX/23 I sent a letter to Mercedes Benz Financial revoking security interest and right to repo. They sent a letter by mail to respond stating i am claiming to have the right. I did it by mail as CFR Section 1026.23 ( 2 ) To exercise the right to rescind, the consumer shall notify the creditor of the rescission by mail, telegram or other means of written communication. Notice is considered given when mailed, when filed for telegraphic transmission or, if sent by other means, when delivered to the creditor 's designated place of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I was notified that DISCOVER had frozen my account in order that it be verified. They requested 3 months of bank statements which I sent on XX/XX/2021. I called on XX/XX/XXXX and was told they had not received them from their portal. I resubmitted that day and saw on their website that the documents were received. Ive called every few days and keep being told it takes several days. It is now two WEEKS and Was told that since they did not receive documents by the deadline the account is CLOSED. After a long discussion I am told the representative will note that I am upset. There bas been NO EFFORT on the part of Discover to address this issue, and will not expedite. It will be handled in the order in which it was received - which means I am starting the process all over again! 
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX Email : XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15
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: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is 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 2021-08-20
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: Account information incorrect

Complaint:
I have attached three accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached highlighted pictures of the accounts with the inaccuracies. I have attached highlighted pictures of the accounts reporting inaccuracies

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 2022-12-28
Company: Experian Information Solutions Inc.
State: AZ
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:
Experian is reporting fraudulent inquiries to which received no benefit from.

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 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX 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 .

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07
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: Their investigation did not fix an error on your report

Complaint:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-09-16
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: Their investigation did not fix an error on your report

Complaint:
i recently made the discovery of an fraudulent account on my credit report. i completed an ftc report, and also filed a police report of the accounts. i sent these documents to Experian, XXXX, and XXXX  and each of these companies told me because the account had been verified, that they can not remove the account.. and because it had been disputed in the past. I tried to explain the reason for that was because i hired a company ( XXXX XXXX  ) to do credit repairs and was unaware that the account was fraudulent and the methods they used to dispute the account. i decided to to do my own credit examination and took a closer look at my credit report and came to the realization of the fraudulent account. and was still told nothing can be done. This account is not mine and was created fraudulently.

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 2022-04-21
Company: WELLS FARGO & COMPANY
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2019, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services, '' all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of client losses to gains. Money was transferred from my account via bank wire in the total amount of XXXX XXXX USD utilizing Wells Fargo services.

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 monetary relief
Consumer complaint received 2020-05-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2019 CAPITAL ONE MEMBER FEE Fee ... XXXX {$59.00} charged On XX/XX/2019 I was charged a PAST DUE FEE Fee ... XXXX of {$25.00} At the time my I had a XXXX balance and no interest fees for new purchases. 

I contacted Capitol One for late fee removal as the fees applied see for the annual fee and as I had a zero purchases on the care was unaware of the charge. 

Capitol one did not provide a reminder of the annual fee I contacted capitol one, over the phone they agreed to waive the fees and credit my account they did not credit my account and remove the late payment fee As a result my credit score had been negatively affected

Company response to consumer: Closed with non-monetary relief