BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-10
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I want to deactivate my Experian account. Customer service not helping. Stuck in a loop.

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 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
See attachment below! This is crazy. Email from credit karma showing that my negative XXXX has been since 2020. No wonder XXXX would never list a score! There are so many laws according to USC 12,15,18, and 31. Credit has been denied to me and that's a crime while so many have created lines of credit fleecing my trust!

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 2022-02-14
Company: EQUIFAX, 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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: ALLY FINANCIAL INC.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Ally Bank said they were closing the account on XX/XX/22 due to unauthorized activity totaling around {$160.00}. I know its not a lot of money but it shouldnt matter. I mean if its my account and I didnt make the transactions why am I at fault? The past two months Ive regretted ever having an account with them. I have read reviews online where they did the same thing to others but much worse. They closed their accounts and stole their money. I mean I just dont want that to happen to me. I would advise anyone thinking of opening an account with them to rethink their decision to do so.

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 2022-06-02
Company: FIRST ADVANTAGE CORPORATION
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
Reports were made about incidents last the 7 year look back rule. I did not get the job I was seeking even though my record is clean for the last near ten years and information from almost ten years ago was released for a job paying less than XXXX XXXX a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am writing to dispute the following information on my credit report. I recently received a copy of my credit report, and I found the following inaccurate information reporting to my credit : XXXX / XXXX  XXXX auto finance/ the inaccuracies found were the reported account balance and or balance owed, past due amount and the last payment.

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 2020-07-28
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:
Never lived at following addresses : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX FTC Violations : XXXX XXXX XXXX XXXXXXXX Account # XXXX Original Creditor - Company Sold - Account Type INSTALLMENT Date Opened XX/XX/XXXX Account Status! Open Payment Status Current, was past due 60 days Status Updated XX/XX/XXXX Balance {$15000.00} Balance Updated XX/XX/XXXX Original Balance {$22000.00} XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XXXX XXXX, XXXX Account Status! Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$210.00} Balance Updated XX/XX/XXXX Credit Limit $ XXXX  Monthly Payment - Past Due Amount {$210.00} XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status! Closed Payment Status Paid, was past due 90 days Status Updated XX/XX/XXXX Balance - Balance Updated XX/XX/XXXX XXXX XXXX {$400.00} XXXX XXXX Account XXXX XXXX Original Creditor - Company Sold - Account Type INSTALLMENT Date Opened XX/XX/XXXX Account Status! Closed Payment Status Charge-off Status Updated XXXX XXXX Balance {$17000.00} Balance Updated XX/XX/XXXX Original Balance {$26000.00} XXXX XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type INSTALLMENT Date Opened XXXX XXXX, XXXX Account Status! Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$3200.00} Balance Updated XX/XX/XXXX Original Balance {$8100.00} XXXX XXXX XXXX Account # XXXX Original Creditor - Company Sold XXXX XXXX XXXX Account Type INSTALLMENT Date Opened XX/XX/XXXX Account Status! Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$0.00} Balance Updated XX/XX/XXXX Original Balance {$13000.00} XXXX XXXX XXXX Account # XXXX Original Creditor XXXX Company Sold - Account Type COLLECTION Date Opened XX/XX/XXXX Account Status! - Payment Status Seriously past due date / assigned to attorney, collection agency, or credit XXXX & XXXX ; XXXX internal collection department Status Updated XX/XX/XXXX Balance {$1900.00} Balance Updated XX/XX/XXXX Original Balance {$700.00}

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 2022-06-02
Company: Upstart Holdings, Inc.
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I requested a payoff letter from the previous lender on my car loan, which I sent to the current XXXX XXXX that I refinanced the loan through. The XXXX XXXX then using the payoff letter paid off the loan, in addition I had made an extra payment XXXX months prior to them paying off the loan. 

The previous lender " Upstart XXXX '' insists that I still owe them a payment and now have added yet another payment. My new XXXX XXXX " XXXX XXXX XXXX '' in XXXX Oregon needs the title which Upstart XXXX is refusing to give them. I have all of the documentation and emails to prove my case. 

I am a member of XXXX XXXX here in Washington XXXX, I contacted them about this issue, they wrote a letter to " Upstart XXXX '' we have had no response. 

Can you help resolve this matter? Or give me some type of suggestion as to what I can do? 

Thanks in advance, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The account opened in my name with capital one is fraudulent I have never opened a account with capital one ever! I have a lawyer working with me to fix this issue I also have a identity theft affidavit. Capital one said that a address was linked to me but thats not true either!! I have NEVER lived at that address I can send in new and old forms of identification to prove it! I have always said and have police reports stating that a family member is the person who stole my identity, while the address they are speaking of may be a familys I have never lived there, received anything there including mail etc I am not associated with that address whatsoever and I will never stop disputing this account because its fraudulent. Like I said my lawyer is looking into this and we will get this fixed!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX Equifax Account Type : Account Type - Detail : XXXX XXXX account Equifax XXXX XXXX XXXX XXXX XXXX XXXX : XXXX {$12000.00} Equifax {$12000.00} XXXX : XXXX Last Reported : XXXX XX/XX/XXXX Equifax XX/XX/XXXX XXXX XX/XX/XXXX Date Last Active : XXXX XX/XX/XXXX Equifax XX/XX/XXXX XXXX Times XX/XX/XXXX days late XXXX XXXX Equifax XXXX ( different XXXX different sites ) XXXX XXXX A ) As you can see I'm making my complaint because the credit bureaus are reporting inconsistent and inaccurate repossession information that are damaging my credit report. 
B ) Other information is inaccurate also which means the negative item on my my report is illegal and against the Fair Credit Reporting Act. 

I HAVE SENT OUT AND CALLED MULTIPLES TIMES REGARDING THIS MATTER AND HAVE NOT RECEIVED ANY INFORMATION BACK.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: EQUIFAX, 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 was informed that my personal information was exposed in a data breach a few years ago when I pulled my credit report then I did not see anything reporting that I did not recognize. Recently when I pulled my credit report I noticed I have a dozen accounts on my credit report that doesn't belong to me. So how can the credit bureau say that these accounts belong to me when I'm stating that they do not?? This was not my fault I did nothing wrong but exist and I want these accounts removed off my credit report ASAP!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-14
Company: General Motors Financial Company, Inc.
State: WA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
I'm trying to buy my lease vehicle at end of lease. GM Financial will not give me an itemization of payoff amount so that I can obtain financing through another bank. They will only give the total payoff amount. The new bank needs itemization details about the payoff amount to finance the new loan. 
I talked to XXXX on XX/XX/22 and XXXX on XX/XX/22 at GM Financial. XXXX said she was sending me the information, however, when the information arrived, there was no breakdown of the total payoff amount. I called GM Financial again and talked to XXXX. He refused to give me the payoff breakdown. He refused to give me his last name, direct number, e-mail address or any other information so that I could call back to discuss the issue with him again after talking to my bank. He kept referring me to GM Financial XXXX number if I wanted to call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: ROBINHOOD MARKETS INC.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I just moved to the XXXX, XXXX XXXX area and was taken out to a bar called XXXX XXXX XXXX on XX/XX/XXXX where I used my debit card ( as a credit card ) for a transaction in the amount of {$7.00} for a drink. After leaving XXXX XXXX XXXX I later started to see transactions coming from my account on XX/XX/XXXX and XXXX for somewhere called XXXX XXXX XXXXXXXX in the amounts of {$100.00} and {$120.00} on XX/XX/XXXX and then another {$100.00} charge on XX/XX/XXXX at the same place. As soon as I notice the first charge I reached out to my bank, XXXX, reported my card stolen and disputed the charges. They immediately cancelled my card and issued me a new one and issued a credit for three {$1.00} authorization charges from XXXX XXXX XXXX but not the actual charges. After much back and forth with their dispute department I was told that these charges were legitimate for the following reasons : - My pin number was used ( which is impossible because bars do not take patrons pin numbers ) - Based on my geo location I was in the area ( which is true because I just moved to XXXX and live in the XXXX XXXX within XXXX XXXX of a large number of bars in the area ) I have still never been to XXXX XXXX  XXXX but did reach out to the company to try and get their help after XXXX sent my case to escalations ( where it still is allegedly ). The owner of the bar told me that their system did charge their customers multiple times around the time that this happened and that if the charges were no longer pending they could not help me and I would have to reach out to my bank. 

I have attempted to do this with XXXX multiple times and have repeatedly been asked for documentation that is not applicable to my situation. Including a police report that would be pointless to file given the amount of time that has passed since my card was stolen and I was given a new debit card. XXXX REFUNDED THE UNAUTHORIZED AUTHORIZATION CHARGES AND REFUSES TO REFUND THE ACTUAL CHARGES FOR THIS CASE. This is unacceptable. I will not be penalized for my card being stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: Experian Information Solutions Inc.
State: GA
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: Investigation took more than 30 days

Complaint:
XX/XX/2023 I identified inaccurate items on my credit report and filed a dispute with XXXX and experina, asking them to verify the account. The items in question relate to XXXX XXXX XXXX 
Account Number. Despite providing all the required documentation and following up on XX/XX/2023, I received no response, demonstrating a lack of due diligence in investigating the matter. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( A ) of the F.C.R.A., the credit bureau is obligated to conduct a reasonable reinvestigation and remove unverifiable items which have not been adhered to in this case. 


XXXX took XXXX letters for them to verify the account as accurate but failed to advise the description of the procedure used to determine the accuracy and completeness of the information under the 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) or proof of this alleged item, specifically the contract, note or other instrument bearing my signature, demonstrating a lack of due diligence in investigating the matter, The items in question relate to NATIONAL CREDIT SYSTEM. also I would like to point that XXXX validated a debt and the debt collector has not validated the debt with me The incorrect items and the subsequent refusal to validate or remove them from my credit report have precipitated a cascade of detrimental financial and emotional consequences for me. My credit score has been unjustly reduced, resulting in loan rejections and subjection to exorbitantly high-interest rates for essential credit facilities, such as my mortgage and car loan. Furthermore, the inaccurate credit report has necessitated higher security deposits for utilities, exacerbating my financial strain.

The emotional toll has been equally devastating, inducing consistent stress and XXXX as I navigate through the quagmire of resolving these inaccuracies. The mental strain from dealing with persistent calls from debt collectors, coupled with the fear of additional erroneous entries tarnishing my credit report, has been overwhelming. This has not only usurped countless hours that I could have devoted to my work and family but has also sown discord in my personal relationships due to the perpetual worry and financial instability.

The culmination of these issues has also necessitated the incurrence of additional costs, such as legal consultation fees and costs for sending certified mail to various entities in an attempt to rectify my credit report. These financial and emotional burdens are direct results of the inaccuracies in my credit report and the subsequent lack of adequate action to rectify them.

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 2023-06-07
Company: EQUIFAX, INC.
State: MS
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 dispute any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting. Allegations of delinquency and derogatoriness must be supported by factual document proof. I challenge the reportability of these allegations because they are unsubstantiated. According to federal and state law, you must report any allegation accurately and completely. It is wrong to report any claims that you know or should know are against the law or regulations.I 'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the Metro 2 reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate this issue and determine whether it is still being reported accurately and in compliance with the law. If it is not, I want it removed from the report.I authorize you to mail me physical documentation of your actions and my updated credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02
Company: EQUIFAX, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX XXXX  XXXX # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
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
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

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 2023-06-09
Company: Credit Karma, LLC
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2023 the ATM gave an error message and timed out. It took {$100.00}. It proceeded to the next ATM and withdrew funds again. I went to guest services to explain what happened after I logged on and realized the funds went through. I've been on the phone with three different representatives and they never issues provisional funds. I also emailed 5 times and they said I had to wait until the investigation was conducted. They denied my case with little to no explanation. I asked to escalate the issue and they had closed the case. They have not sent me proof of denial or how they concluded the following. 

Date Submitted : XX/XX/2023 Disputed Amount : {$100.00} Dispute ID : XXXX Date Amount Transaction Description XX/XX/2023 {$100.00} XXXX, XXXX, FL XXXX, {$6.00} Surcharge We have completed our research regarding your dispute and have determined that no error occurred. 
Please be aware that you have the right to request copies of the documents that we relied on to make our determination. 
We apologize for any inconvenience that this situation may have caused. Please feel free to contact our Customer Service Department at XXXX or visit support.creditkarma.com if you have any further questions or need any additional information. 
Thank you for banking with Credit Karma.

Company response to consumer: Closed with explanation