BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-01
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:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-06-14
Company: EQUIFAX, INC.
State: NJ
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 am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-02-09
Company: EQUIFAX, INC.
State: PA
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'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 response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: Experian Information Solutions Inc.
State: CA
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 have had issues with identity theft and filed a FTC report, police report and all required identification documents to have the incorrect information removed from my credit report. XXXX and XXXX are reporting correctly. Experian is the only company reporting an account for XXXX XXXX XXXX XXXX Account Number : XXXX. XXXX has removed the incorrect information. Experian is has not removed the fraudulent account. I have written letters and spoke with them over the phone but they do not follow proper FCRA procedures and are not removing the account. They claim they have verified the information but have not provided any proof. This is a gross violation of the FCRA.

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 2019-06-13
Company: WELLS FARGO & COMPANY
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am co-signer on my son 's loan but I make sure the payment is made each month and all his mail comes to my house. Recently I noticed that his name on the statement has changed which tells me that Wells Fargo has also changed his name on his loans without request or permission. I tried looking back as far as I could and it appears that this happened over a year ago. Now my son 's accounts have his first name and my middle initial and my last name. My son has never had my current last name. I work for a financial institution and I know this is not in compliance. I am furious. If I ever went in and just changed someone's name on their account I would be fired. I really don't understand how something like this could even happen.

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 2023-06-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-21
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021, over 45 days ago I requested that bureaus provide written proof of verification of negative items showing on my credit reports. To this day I have not been notified of any verification paperwork through mail or online. It seems that they are ignoring my requests by continually disregarding my communication efforts. I am at my wits end in trying to move on and with these errors and get them off my report as no one seems to care enough to respond to my complaints. I have contacted the businesses that are on my report and they explain to me that it is out of their hands and falls on the bureaus. I do not know how these items are appearing on my report but according to the FCRA, if they are inaccurate or unverifiable, they must be removed. I have been sending letters back and fourth to the bureaus stating this to get this situation rectified. Still, no response. I do not know what else to do as I feel I being forced to move forward with legal proceedings for the violations of my consumer rights. 

If they can not provide proof ( written contract with my signature that includes dates of late payments, when negative items happen ), I would like for these items to be removed, as it continues to negatively impact my ability to obtain employment, financial mobility, and my overall emotional state.

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 2023-04-01
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-01-10
Company: Experian Information Solutions 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 quick response and your decision to eliminate some of the fraudulent accounts listed on my credit file ; nevertheless, I continue to see other erroneous accounts shown on my credit file. I am sending you this CFPB complaint today to ask you to remove the bogus entries you have shown on my credit file once more. I sincerely appreciate the time and work you took to remove some of the things I asked you to remove. However, I discovered when I looked at my updated credit report that some of the things I had previously asked to be removed were still being recorded. On XX/XX/2022, I sent you a dispute letter asking you to reexamine my credit file and have the disputed entries erased as soon as possible. Please erase the following entries from my credit file once more : XXXX XXXX XXXX XXXXXXXX Balance $ {$2000.00} XXXX XXXX XXXXXXXX Balance {$1900.00} XXXX XXXX XXXXXXXX Balance {$10000.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance {$0.00} XXXX XXXX Balance {$3600.00} XXXX XXXX XXXX {$0.00}. These erroneous accounts are undoubtedly not mine, and the inquiries regarding me are unfamiliar. Please promptly erase the remaining bogus items from my credit file in accordance with Fair Credit Reporting Act section 605b. A violation of a consumer 's rights protected by the Fair Credit Reporting Act is continuous reporting of the disputed accounts.

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 2021-10-26
Company: ALLY FINANCIAL INC.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Hi My name is XXXX XXXX, The company name is Ally Financial Account number is XXXX There were complaints about this company. I paid this from XXXX through XXXX payment XXXX a month XXXX down payment. The total amount add up to XXXX. In XXXX I had financial problems I filed bankruptcy. 
The car was almost paid off my husband the veteran I was stressed out. 
I didn't add the payments until now 10 years after the bankruptcy the car was paid off back in XXXX. The payments was already paid for ownership for this vehicle. 
Last Friday I got a call from Ally Financial and he said, he was surprise I took the call, I told him I paid the car off I didn't need to hide. I went back in books My XXXX  showed that I made payment from XX/XX/XXXX XXXX up until XXXX that total XXXX down payment was XXXX 
Ally had complaints because I received this letter from CFPB DATED XXXX XXXX ALLY FINANCIAL COMPLAINT this is just another one I paid the car off and they talk reprocessing my vehicle after i paid the car. I wrote show proof of payments.

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 2023-09-18
Company: Experian Information Solutions Inc.
State: NC
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: Problem with personal statement of dispute

Complaint:
My name is XXXX XXXX. I A victim of identity theft a long time ago. After that incident there were incorrect and inaccurate items that appeared in my report. Please delete all of the following ACCOUNTS and INQUIRIES from my credit report immediately. Besides these items, also delete the incorrect names and addresses that I did not live in and names I do not go by. They are all a result of ID theft. Please remove these items which are not as soon as possible. Please see attached IDENTITY THEFT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: EQUIFAX, INC.
State: CA
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:
Hello, This complaint is regarding XXXX XXXX XXXX and their Class Action Settlement for Predatory Lending with Multiple States last year in XXXX. Within this settlement, it states that XXXX agreed to relieve loans and help repair the credit of individuals affected by their predatory lending practices. This was for auto loans placed between XX/XX/XXXX through XX/XX/XXXX. 

This auto loan has caused significant damage to my life, living situation and being able to take care of my children. Although I've received communication from XXXX that I am included in the settlement, XXXX continues to report harmful inaccuracies to my Equifax and XXXX  credit reports. XXXX still calls to collect on the debt that they report as charged off and late every month. 

XXXX took advantage of my desperation and ignored the debt to income ratio locking me in an upside down loan from the start. I'm suspicious that the dealer may have potentially manipulated my application unknown to me. Putting me in this horrible situation. Now this has been 4 years of not being able to get credit, a home or progress so my children can have a better life. I am in college and working towards a better life and this is severly affecting my small family. 

Equifax and XXXX are both reporting completey different things for the XXXX XXXX account. It's harmful and defamatory to my credit profile. I have reached out to XXXX several times with no resolution from them. They report different names for original creditor, dates and most of the information. They report that the account is charged off and report late payments every month. Life is HARD when you can't get basic credit. 

The only fair resolution is for XXXX do what they agreed which is to relive the loan and the XXXX XXXX account be deleted from all the credit agencies and bureaus. I also ask that all collection efforts cease and this account not be sold or transferred to any other collection agencies or debt buyers. 

Thank you in advance for your timely assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Self Financial Inc.
State: GA
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:
Your company never had my lawful permission to report any experiences or transactions to my consumer report. You did not provide me with XXXX notices required by the FCRA and XXXX XXXX XXXX XXXX. By LAW I was supposed to receive XXXX notice that you may ( not required ) report to my consumer report and another notice giving me the opportunity to sign my signature if I was ok with you reporting to my consumer report. I never received any of these notices from you therefore you must cease and desist reporting to my consumer report until I receive those notices and opt to out notices to sign.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: AL
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 checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify 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 explanation
Consumer complaint received 2019-06-19
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
There were XXXX incidents to report, all caused by Regions Bank in XXXX FL 1. On XXXX XXXX, the bank cashed an altered check for an unauthorized payee for {$700.00}. The original payee did not complain about not being paid until XX/XX/2019. 
2. On XX/XX/2019, there were transfers of cash from two different accounts we own into two new accounts set up without our authorization. The profile information on those accounts were altered, including phone number and email contact info. We complained as soon as we noticed the transfers ( the next day ) and our accounts were frozen and we were locked out of any access to those accounts, including information on checks cashed. 
We requested information on all three of these transactions, including where the {$700.00} was transferred to, and we were told that they could not give us any of that information. They refused to reimburse us for the {$700.00} they sent out of our account for a fraudulently altered check. We can not follow up on recovering money from the perpetrator because they refuse to give us any information. 
We believe the false new accounts were set up by a Regions employee. 
We want Regions to reimburse us for the fraudulent check.

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 2019-06-19
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XXXX XXXX KIA motors finance in error claimed that it did not receive the payment of {$420.00} that was made XX/XX/2018. Also the payment made on XX/XX/2018 although funds were deducted from my bank account.

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 status incorrect

Complaint:
On XX/XX/XXXX, I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy. Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in Fisher v. Equifax Information Services LLC ( D. Ariz. 2018 ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. While these third party collectors attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. I am maintaining a careful record of my communications with your agency and the false reporting collectors for the purpose of filing a complaint to the FTC if the non-compliance continues. Like, Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), the below false creditors will be liable for your willful non-compliance. Also, in Fisher v. Equifax Information Services LLC ( D. Ariz. 2018 ), they may be liable for false reporting. I need all my information my my credit profile to be 100 % accurate since im trying to apply for a house soon.

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 2021-03-22
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
In XXXX, I contacted AmEx because my credit card is a travel credit card with a {$550.00} annual fee, which was hefty in a pandemic year during which I did not travel. The CSR offered me a XXXX retention bonus. The next month, I had not seen it, so contacted AmEx again, on XX/XX/2020 via chat. That CSR said that I had to affirm that I would not cancel the card and I did. The CSR said the miles would be applied within 8-12 weeks.

Its been 13 weeks, so I contacted AmEx again. After an interminably long chat, during which I received somewhat nonsensical information, the CSR said I have already received the miles. I have not. I received other miles for a separate promotion, for spending a certain amount of money on my card. Im owed the promised XXXX Skymiles.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14
Company: EQUIFAX, 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 have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$6300.00} ; XXXX  XXXX Balance : {$6200.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation