BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
I filed a dispute with Transunion via phone on XX/XX/2023 after I had issues filing online via laptop and mobile device. The representative told me to send in my documentation by mail since I did a phone dispute. I received a letter dated XX/XX/2023 ( Two days after I filed the dispute ) that stated the debt was valid. They had not received my documents yet. So I called Transunion to inquire and found out that once they received my documents they reopened my dispute and again did not change anything and stated the debt was valid. I contacted Transunion after my dispute came back as validated for the second time and no change to my credit report was made. I sent them a copy of the results from my dispute with XXXX as well as the exact same documentation I sent to XXXX. After speaking with a representative on XX/XX/2023 I requested a supervisor contact me so I could get more information regarding the dispute results. The supervisor from Transunion contacted me the morning of XXXX XXXX. When I requested to know how they came to the conclusion that I am responsible for the amount shown on this debt, she proceeded to tell me that they contacted the collection agency electronically and that they responded with " it is accurate ''. I then asked was there any proof of any kind to show that the amount was accurate and she is either refusing to provide what was sent or there was nothing sent except for a statement. When I pushed to know how this works for the consumer when I have requested information from the debt collection agency and they refuse to send it to me she stated that they contacted them electronically and the debt is valid and repeated this several times. At no point was there any information given to me that speaks to a true investigation on Transunion 's part. Again I sent Transunion the exact same letter and information I sent to XXXX but got a different result. I believe that Transunion did not truly reopen the investigation once my documentation was received. I do not believe they contacted XXXX XXXX XXXX once the my documents arrived. A 2 day turnaround doesn't seem like an investigation to me.

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 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 XXXX 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 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
To whom it may concern : I am officially asking you to review your data on file for me! Per the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681 ) and XXXX XXXX compliance standards, I challenge all inaccuracies and deficiencies of reporting. Per the FCRA and XXXX XXXX compliance standards, my profile shall be accurate and complete. Your verification of the information shall be timely, and you should be able to document and provide proof of your verification process of all the information within my credit report. The information in my credit report and below was never proven factual or compliantly reported. I have consumer rights, and I am deciding to exercise those rights to demand that factually accurate, verified, and compliant data be documented and included on my credit report. I also require the permanent removal of any inaccuracies immediately! I also demand that you investigate the source of each account and ensure that each creditor has a permissible purpose for all inquiries within my credit profile. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX SERVICES XXXX XXXX XXXX - ( XXXX ) XXXX Summary of Inquiries being challenged in list form XXXX CARD ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX 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 I keep getting stall letters in the mail ; which in fact IT IS ME disputing!

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 2020-11-09
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The following accounts and payment history has been deleted previously by Equifax, but the accounts keep reappearing on my credit report : XXXX  XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX. The following credit inquiry listed on my Equifax credit report is a fraudulent and unauthorized credit inquiry : XXXX XXXX, XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Called me about 3 weeks ago from XXXX XXXX saying I owed a debt and that if I dont work something out with them right this second while on that call they where going to serve me papers and sue me. I never heard of the debt they say I owe and knew nothing about it. I asked for them to send me a letter to My address. I have never received any letter. And now its on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: DISCOVER BANK
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 recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity.

Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency. 
I ask that you comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the Identity Theft Report List of Fraudulent Accounts. I am also requesting to be mailed a new credit report to my address of record above. 


Enclosures : a. Identity Theft Report b. List of Fraudulent Accounts on my Report c. FCRA Sections 605,609,6011 d. Proof of Identity To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate information on my credit report. I am writing to dispute fraudulent accounts opened without my consent. 
I did not open these accounts, nor did I give anyone authorization to do so. I am requesting that the accounts are removed and blocked. 
I am distressed that you have included the information attached in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The attached information therefore needs to be investigated. 
I respectfully request to be provided with proof of these alleged items, specifically the contract, note or other instrument bearing my wet signature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Last year 4 amounts were withdrawn from my account, with a card that was not mine, at an ATM of the same bank, ATM Withdrawal auhtorized on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ATM ID XXXX Card ... XXXX, retired XXXX ATM Withdrawal authorized on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ATM ID XXXX Card ... XXXX, withdrew XXXX ATM Withdrawal authorized on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ATM ID XXXX Card ... XXXX, withdrew XXXX ATM Withdrawal authorized on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ATM ID XXXX Card ... XXXX, withdrew XXXX. 

Wells Fargo Bank has not been responsible and does not provide me with proof of withdrawals that I did not make, I have sent a letter and no one explains what happened, the border has been closed for more than a year, and I can not cross with tourist visa. 
They made fraud with my data. the bank did not protect my account.

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 2023-02-07
Company: Luckmore Finance
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Luckmore finance continually keeps putting hard inquiries on my credit its happening without my consent. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XXXX. XXXX, XXXX XXXX XXXX, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Experian Information Solutions Inc.
State: GA
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 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 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 explanation
Consumer complaint received 2021-05-11
Company: Santander Consumer USA Holdings Inc.
State: LA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
Santander consumer pressured me into purchasing a XXXX XXXX XXXX a XXXX car into a XXXX plus deal with 26 % interest on the loan when I could barely make it. I was in the military and they scammed good not even giving me at 10-15 % options when I was XXXX years of age with a wife and child I was picking between paying my car note or putting food in our mouths. Along with XXXX XXXX in XXXX, La. They sold off the the sub prime loans and didnt tell me and in XXXX they didnt offer any relief during COVID-19 pandemic and wont release me my title to the car I was scammed into buying.They constantly threaten me with letters of repossession even when I would be on time with payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I asked for XXXX XXXX to verify or remove account information from my credit profile that I feel is incorrect. The bases for my request is because each of the three credit reports XXXX, Equifax and XXXX are reporting different and conflicting information. I asked XXXX XXXX for a copy of the signed application. The response I received to that request. " Due to the method of application, there is no application copy available. '' I asked them for a copy of the payment history. Since all 3 credit reporting agencies are reporting no payment history and varying dates of delinquency. the response I received " We do not report a date of last activity. '' that is convenient. " We are not obligated to provide all of the documentation you requested, '' I did n't receive any of the information requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: Driveway Finance Corporation
State: TX
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:
I have been trying to cancel a warranty and service contract with Lithia and their dealer XXXX XXXX XXXX XXXX ( TX ). 
I have called Lithia dealer complaints for the warranty and they told me there was nothing they could do as the dealer sold the warranty. 
The service agreement that was a Lithia product they said they could cancel that one but I had to fill out a form and Fax it to them. They would Not take the information over the phone nor email. 
I fe at this LOI t that they are making it intentionally difficult as these cancellations will cost them and their dealer money. 

I Just want it cancelled so it can go towards my insurance remaining balance dorky Driveway financial, this finance company who continues to try to collect money from me but they wont even help me cancel a product that will reduce that balance, post insurance. 3 Lithia entities are just taking advantage of me. I just want to products cancelled and the money to go to them. 

This is a last resort post. Ive been trying to cancel a warranty and service contract for 3 weeks. No exaggeration, Ive left the sales person 2 notes, multiple messages, two notes for the manager, called Lithia dealer complaints and still no action. This costs them money so no wonder no action. My sales guys was terrible but I had faith in management. No more, sad. I guess last option is to drive up there and wait until someone actually is forced to deal with me. Do better.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Experian Information Solutions Inc.
State: MT
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, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX5 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

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 2023-05-25
Company: Paypal Holdings, Inc
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Paypal after over 15 years of business chose to terminate its relationship with me. While I used Paypal for some business sales. I generated a balance of over {$15000.00} held in a 90 day reserve. Almost all that money held in reserve has now well exceeded its 90 day hold period. 

Paypal is now unjustly holding my funds without compensation at current market rates. I demand my funds be released and or compensate me with current interest rates for using and or holding my funds without my permission. 

my account is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-10
Company: General Motors Financial Company, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Team, I originally obtained a 4 year lease with GM Financial in XX/XX/XXXX for a XXXX Escalade for payment of approx. {$1600.00} a month. ( This in itself was deemed extortionate and further more I was sold a 3 year maintenance contract which is an additional issue just brought to my attention ). In XXXX I began a search for an alternative vehicle at a more competitive price and eventually found one which i purchased and now meant I would need a lease assumption with GM. I advertised on XXXX and obtained the criteria from GM to move forward in XX/XX/XXXX. I found a qualified buyer in XXXX and followed to procedures during which time GM kept defaulting my account into a past due status which meant i was unable to move forward and I lost the qualified buyer. The same happened in XXXX when i again provided a qualified buyer signed all the paperwork and GM alleged XXXX lost the documents and so therefore the transaction was unable to be completed. Fast forward i am now within the last 12 months of the lease and no longer able to meet the criteria and am stuck with the lease payment through the fault of GM. GM deliberately stalled the process and despite speaking to all 3 departments they continued to give me the run around and also contacted XXXXXXXX to have my advert removed. Its clear GM did not act in an honest and timely manner in addition to at one point harassing me in an attempt to reposes the vehicle despite it being always in state of good payment, in my possession and insured. The Customer Service Department, Lease Assumption Department, Total Loss Department and the Collections Department all have documented detailed call records to support my  conversations but yet they all seemed not to be in contact with one another which to me seems like negligence on GM 's part or a blatant attempt to confuse and deceive me as a customer into remaining stuck with the Lease agreement. I would like this investigated please and for GM to be responsible for taking back the vehicle with no negative report on my credit as it was their errors that led to my lease assumption not going through. I even purchased another identical vehicle and everything was timed perfectly for the transfer until GM caused the process to breakdown and I am now stuck with 2 car payments till XX/XX/XXXX. I constantly had to chase them to try to complete however they are quick to harass me despite asking to be removed from their call lists when i changed payment dates. 
Thanks for your consideration Regards XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30
Company: Navient Solutions, LLC.
State: MO
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a student loan account with Navient.navient is now commiting fraudulent reporting on my credit report.I have been making regular monthly of {$100.00} since XX/XX/XXXX.I didnt make a payment XX/XX/XXXX because for the fraudulent and inaccurate reporting. The took my payments for XX/XX/XXXX and applied only to one loan XXXX which is {$15.00} a month.Where where payments for XXXX XXXX XXXX applied to.Now my XXXX payments of & XXXX were not applied to any of my accounts.If this were any other business I would have every right to sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: ProCollect, 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: Their investigation did not fix an error on your report

Complaint:
trying to buy a house and realize that I had some damages on my credit report. I have disputed this several times with XXXX, XXXX and XXXX, with no avail. according to the 15 USC 1681 law there should not be any damages on my credit report. XXXX has a Pro collect collections account listed twice with the same account number, but two different amounts with two different open dates. How is that possible? one amount is for {$5600.00} with an open date of XX/XX/XXXX  and the other is for {$1300.00} with an open date of XX/XX/2019. XXXX has only one listed with is {$5600.00} with an open dated of XX/XX/. XXXX does not list the unverified debt at all. This is a violation of the 15 US code 1681i ( 5 ). Removal of inaccurate and unvalidated information. XXXX has deleted these 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 explanation
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Incorrect information on my credit 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 non-monetary relief