BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This bureau reported misleading information and they trespassed my rights of privacy. They have failed to do their GRAVE RESPONSIBILITY which is to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. This is a direct violation of federal law. Their negligence has caused me distress and I'm seeking litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had an XXXXXXXX XXXX on XX/XX/XXXX and set up a payment to be made towards Capital One automatically for my payment due date of XX/XX/XXXX of {$500.00}. This was made through their automated system. The payment was not made as it was requested and in XXXX had realized this, now making my XXXX payment 30 days past due. This mistake on Capital One 's part has affected my credit in such a negative was that it has dropped my score where I can no longer apply for certain things like a home refinance or other credit cards. I went ahead and made my payment again by phone to be deducted that day, where it was finally drafted as requested. But I still have a derogatory mark on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have attached an FTC report with an account and inquiries I did not authorize, please also update my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
CAPITAL ONE AUTO FINANCE REPOSSESSED MY VEHICLE, WHEN THE PAYMENT WAS NOT LATE. THE PAYMENTS WERE MADE ON TIME. I WAS IN AN AUTO ACCIDENT, AND MY VEHICLE WAS AT THE TOW YARD. I HAD AN AGREEMENT, WITH THE TOW YARD, TO STORE MY VEHICLE THERE, UNTIL I WAS ABLE TO HAVE MY VEHICLE REPAIRED. I WAS MAKING PAYMENTS, TO THE TOWING COMPANY, AT XXXX DOLLARS A DAY, IN ORDER TO HOLD MY VEHICLE THERE. CAPITAL ONE AUTO FINANCE REPOSSESSED MY VEHICLE, FROM THE TOW YARD, WHEN I HAD ON-TIME PAYMENTS. THERE WAS NOT A REASON, FOR CAPITAL ONE AUTO TO REPOSSESS MY VEHICLE. THE TOWING COMPANY WAS NOT GOING TO SELL MY VEHICLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company never validated a signed contract or debt between me and their company. HIPPA guidelines and laws protects my info from being shared and for fronted without any release of information they arent authorized to have any of my information and for that I will take legal action and advise this company to removed all reports and cease and desist anything moving forward

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This is my third request for transunion to remove fraudulent inquiries on my credit report. The first fraudulent inquiry is TBOM/MILESTONE on XX/XX/2022. I called XXXX and was informed they they had requested Transunion remove that inquiry but Transunion has not. The next fraudulent inquiry is XXXX XXXX on XX/XX/2022. This inquiry was not requested or authorized. I called the financial department of XXXX XXXX and was told that it was a mistake but they couldn't remove the inquiry a to report it as fraudulent. 
15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnished a account without my written instruction.

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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
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.

has violated my rights. Or list of inquiries 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 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 2022-12-21
Company: WELLS FARGO & COMPANY
State: CT
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:
Wells Fargo Repossessed my car last week ( XX/XX/2022 ) and it hadn't been past XXXX  days late!! I had to pay an extra XXXX dollars in repossession fees just to get my car back and I only have XXXX payments left. I have consistently given them money at least every other week. I am disappointed in this company so much. I will never use them again.

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 2022-12-21
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
On XX/XX/2022, my father and I went to XXXX at XXXX XXXX XXXX, XXXX GA XXXX to finance a used car for my little brother. The salesperson ( XXXX XXXX ( XXXX ) and XXXX XXXX XXXX were assisting with the process. The salesperson asked for my social security number and stated that he will be using XXXX ( XXXX ) different banks to try and get a loan for the used car. After XXXX he came back to the desk where my father and I were sitting, and he stated that the banks were not going to finance a loan for that particular car. He asked if he could try again with those banks but for another vehicle. He left and came back XXXX minutes later and stated that we were approved but for {$840.00} a month for 72 months for {$0.00} down payment. My father and I asked him questions regarding the payment price and decided not to purchase the vehicle. On our way out of the dealership, we were stooped by the XXXX XXXX and he stated that he will " punch some numbers and see what he could do '' so that we can possibly purchase a XXXX XXXX for a lower monthly payment plan. He left and came back XXXX minutes later and said unfortunately the banks are closed. At the time, it was around XXXX and he stated that he will call us in the morning to follow up. A couple days later, I checked my XXXX XXXX using credit wise and notice that there have been XXXX new hard inquiries on my credit report. The companies that the used were XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( called them and they removed it ), XXXX XXXX XXXX ( called them and they removed it ), XXXX XXXX XXXX XXXX emailed them and they removed it ). I did not authorize nor did I sign paperwork stating that XXXX and XXXX XXXX and XXXX XXXX could run my credit multiple times. Based upon my previous discussion, I was informed that they were using ( XXXX ) XXXX different banks not a total of ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2018-07-04
Company: Experian Information Solutions 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:
Good Morning to whom it may concern I am writting regarding an Complaint that I have with XXXX  and Experian. The account in question is XXXX/XXXX XXXX high limit {$700.00} and Experian {$500.00}. I have disputed this account with both bureaus, the furnisher, and the collection agency. I recieved a letter stating that no other action of collection will be taken, and a request for deletion will be sent to the bureaus. But no such deletion has taken place. I have uploaded this same document as supporting detail. I ask that you please have these bureaus delete it off of my credit report as it is in violation of FCRA and the Fair Debt Collection Practing Act, and it is causing strain on my credit score and ability to have credit. Thank you for your time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I applied for a loan on XX/XX/2020 and was denied from XXXX credit XXXX XX/XX/2020, I received a denial letter from XXXX XXXX XXXX with explaination.One key factors that adversely affected my credit score that's on the Denial letter is '' Derogatory Public Record '' which generally means Bankruptcy.I did have Bankruptcy and it was removed in early XX/XX/2020 from Equifax.Also in the denial letter it states '' our decision was based in whole or in part on the information obtained in a report from the consumer reporting agency listed below ( Equifax ) '' .I have disputed a few times to have bankruptcy removed because the 10 years is up.Equifax said it is not on my credit report and not reporting on my credit report.Because of this denial letter, its clearly on my credit report and was never removed.This is a violation of the fair credit act.Also, Equifax is not reporting my credit score correctly.My current report says XXXX and on this denial letter it states XXXX.On a current CFPB complaint ( s ) No.  XXXX and XXXX, Im having the same problem with bankruptcy not removed from credit report and a difference in credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Upon reviewing my credit file I have noticed that there has been reported multiple inquires that I have not authorized. I was never contacted nor did I ever agree to any of these fraudulent inquires for any of the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Please remove these inquries from my credit file.

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 2022-12-21
Company: Experian Information Solutions Inc.
State: NC
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 attached an FTC report with accounts that are not mine and are fraudulent, I have also attached my drivers license and social security card along with a letter to update my personal 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 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 attached an FTC report with accounts that are not mine and are fraudulent, I have also attached my drivers license and social security card along with a letter to update my personal 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 non-monetary relief
Consumer complaint received 2020-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-21
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My PayPal account can not be linked to the bank and withdraw cash, and I have called the customer service representative many times to solve the problem. Please CFBP help me! thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-21
Company: WELLS FARGO & COMPANY
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I, consumer and Living woman was denied credit by WELLS FARGO AUTO at XXXX XXXX XXXX, XXXX XXXX used a credit application for an Auto. Pursuant 12 CFR 1026.12, 15 U.S.C 1602 ( l ) my credit card was used for this process which is my Social Security Number.

According to the ECOA ( EQUAL CREDIT OPPORTUNITY ACT ) which codified in 15 USC 1691c and is pursuant to civil liability under 15 USC 1692k. I was XXXX  against by WELLS FARGO AUTO due to response I received.

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 2021-10-10
Company: Colony Brands, Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
So this is an old account but it has a lot of inaccuracies that will require it to be reported correctly and marked as good or deleted permanently from my report First XXXX has 1 reported date as good and a line of gray are thats nothing this is enough to delete this item Secondly XXXX  has 1 ok mark and rest blank that is enough to delete this item Thirdly XXXX  has 2 ok marks and gray areas Dates on all 3 are inconsistent thats enough to delete

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: TD BANK US HOLDING COMPANY
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I was a victim of identity theft and someone stole money from my bank account which caused insufficient funds and overdraft fees and also caused my ach life insurance payment to bounce unfortunately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 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