BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2020-03-31
Company: Experian Information Solutions 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 was trying to trade my vehicle for a 2020, due to the fact that I have a old car and it is soon going to break down. I was at the dealership and they denied giving me an auto loan. I asked them why and I didn't get a explanation. I asked them to review my credit report to me and they told me no. I was very upset so I went home and looked up where I could get a copy of my report and I found a site pulled a copy and now I am even more upset that some one has been using my name to open up accounts that should of never been open. These accounts are not mine. I need them removed as soon as possible from my name. Thank you. 

XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$900.00} XXXX XXXX XXXX {$820.00} XXXX  XXXX XXXX {$170.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$850.00} DEPTEDXXXX   XXXX {$10000.00} XXXX/XXXX  XXXX {$4200.00} DEPTEDXXXX  XXXX {$4000.00} XXXX   XXXX  XXXX  XXXX {$4500.00} XXXX XXXX XXXX XXXX XXXX {$0.00}

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 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Report Act XXXX, Account : XXXX, Creditor : 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 an account without my written instructions. 
I need this information to be verified, because I did not open any account with this creditor.

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 2023-04-22
Company: Credit Control, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from Credit Control , LLC on XXXX stating I owe a debt to XXXX XXXX in the amount of {$14000.00} but In fact I don't owe anything to Lending Club with the account number ending in XXXX. I sent a dispute to Credit Control LLC letting them I am disputing this debt owed and to send me the contract along with all payments made to XXXX XXXX and that XXXX XXXX on XXXX sent me an email stating my account was sold to XXXX XXXX XXXX and that I no longer owed the debt to them and it was marked as paid in full. Credit Control LLC gave me until XXXX to file my dispute with them but I filed it on XXXX via email at XXXX and to this day I haven't received any contract or a payment history showing payments made to XXXX XXXX or showing that the debt has been paid to XXXX XXXX who now no longer owns the 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 2020-03-31
Company: Improved Data Services LLC
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Beginning in the middle of XXXX, I was contacted by Improved Data Services, and told that my account with XXXX XXXX was placed in the office of XXXX XXXX XXXX, which was the client of Improved Data Services. 

I was then told that I had 24 hours to come up with {$1200.00} to stop XXXX from taking me to court and garnishing my wages. I explained that I did not have {$1200.00} to put down as a " down payment '', but I would like to enter into a payment plan with them on a monthly basis. 

I was told that what I offered monthly XXXX {$150.00} ) was not acceptable, and I would have to come up with at least the {$1200.00} and {$120.00} biweekly ( the cost of the orignal loan payments ). I had 24 hours to see how much I could come up with. Or my wages would be garnished. 

I was able to come up with {$500.00} and this was suddenly an acceptable an amount as the " downpayment '' - and then I'd find a way to do the $ 124/biweekly. But now I've tried to talk to the reps again and can not do the biweekly payments of the {$120.00}. I'd like to set something else up, but am told that this is not acceptable. 

I'd just like someone to work with me - I want to make payments, but am struggling, and no one will listen.. just threaten to take me to court.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a number of charges from XXXX parks and entertainment for the amounts of XXXX a total of 5 transactions as well as XXXX for XXXX and XXXX and XXXX. I reached out to XXXX and they advised they didnt have anything current for my account so of course I disputed I was advised by a representative that after 10 business days I would receive a provisional credit.After the 10 business days I didnt get a credit I was advised by a representative that my credit was denied because 2 out of 7 didnt qualify and that I would have to wait for 30 business days ( filed dispute on XX/XX/23 ) today was the 31st day with the holiday in consideration I called again today and was told that I would have to wait an additional 30 days.Also after being issued a new debit card another transaction from XXXX XXXX and I was told I had to inform that that I had to verbally tell them to block the merchant and that I would have to request a new card! Im a single parent and in these times I can not afford this and its also delaying me to pay my rent please help! I also requested to speak with a supervisor I was told I could not and I was only provided a name of XXXX and a reference number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired XXXX 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 2023-09-24
Company: FISERV INC.
State: GA
Product: Prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2023, I used my Money Network card to purchase {$20.00} from a XXXX ( XXXX XXXX ) reload kiosk. The machine displayed that the transaction was unsuccessful. So, I went to the another kiosk a few minutes later and tried again to load {$20.00} on my bus card. This second attempt was successful. However, when I checked my Money Network ( MN ) account balance, I realized my account had been deducted {$40.00}. I called the company and was told the transaction was pending and the {$20.00} should be put back on my card within 3 days. It never happened. I called XXXX and filed a dispute form. I, also, called MN and asked them to send me a dispute form. They said they would mail the form and once I received it, I had 10 days from the day of my call to fill out the info and mail it back. I never received the form. Instead, I received an email stating that I needed to confirm my address because my letter was returned to them. I called and gave them my address again. The representative said the address I gave was the same as on file. I asked her to resend the form. I received the form on the 9th day! I didn't fill it out ; I called instead. The rep said the investigation would still take place without the form. Soon after, I received a letter from XXXX stating that they never received the {$20.00} from the unsuccessful transaction. The investigation was over and my claim was denied. I received a letter a few weeks later from MN stating that my claim was denied because they needed more proof. I called the number on the form and tried to enter the extension but, there was no option to put in the extension. I called them and told a rep this was a computer transfer and I had no way of sending any further information. MN is refusing to refund me for a unsuccessful transaction in the amount of {$20.00}. I recently read some reviews on this company and realized I'm not alone. Many complaints about not receiving refunds for unsuccessful and unauthorized transactions. They have a one-star rating.

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 2023-04-22
Company: Smith, Rouchon & Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2023 Smith Rouchon & assoc contacted multiple family members about my debt multiple times harrassing them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The following debts below are not mine. Please note my name is XXXX XXXX XXXX and my phone number is XXXX as verified by this CFPB account to file this complaint. 

XXXX REMOVE THE FOLLOWING INFO FROM MY CREDIT REPORTS THAT IS NOT MINE : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXXXXXX XXXX.. 

See evidence of my id SSN AND DL is enclosed

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 2023-08-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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: 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: Personal information incorrect

Complaint:
My Equifax and XXXX credit reports have the correct addresses, but a former address is listed as 'current ' and my current address is listed as 'former. ' I was able to fix this with XXXX on their website in about 30 seconds, but there is no way to fix this through the Equifax website -- all I can do is list an address as not being accurate, when the STATUS of my address is the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
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: Account information incorrect

Complaint:
Equifax continues to violate the FCRA USC 1681 and 623 ( a ) ( XXXX ) ( A ). The FCRA is clear if an account is not reporting 100 % accurate or contains missing or outdated information, it therefore must be DELETED. Equifax continues to report incorrect information on the following account and refuses to DELETE this erroneous account as they are required by the FCRA. Account Name : XXXX BANK XXXX XXXX  Account Number : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
On XX/XX/2023 I went and financed a vehicle with XXXX XXXX XXXX XXXXhey used illegal tactics within the loan process.

NO FULL SUM OF ALL CHARGES FULL INSURANCE NOT INCLUDED WAS NOT CASH IN HAND USED A THIRD PARTY TO TAKE VEHICLE WITH OUT NOTICE 15 USC 1692f - unfair practices Someone else signed my name or gave my private information to XXXX XXXX which took my vehicle for my home 15 USC 6802 No paperwork was sent to me or was I informed my personal private information would be given to XXXXXXXX XXXX I had No contract or any connection with this company, I only did business with XXXX XXXX XXXX & West Lake Financial Also used my information for XXXX XXXX XXXX and even after payments where made still sent letter say that I didnt make payment when I had and was auto payed out of my bank account 15 USC 1692

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 2020-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 checked my credit report and it said I missed two payments for a company I have never done business with.

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 2019-06-14
Company: Specialized Loan Servicing Holdings LLC
State: SC
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:
On XX/XX/XXXX specialized loan reported that I was 30 days late on my mortgage to all 3 bureaus. This is incorrect I have documents from them showing I was not late for 2 years. This made my credit score drop 59 points and I am unable to co-sign on a loan because of this drop. This is false reporting and Hindering to my family. I called specialized loan and they can not do anything and dont know how long this would take. I need this done ASAP!

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 2021-10-13
Company: PNC Bank N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have 20 years of perfect credit history this one account with PNC was a couple months late due to covid and my being on unemployment it was negotiated and paid in full and I believe the federal government protects consumers against this negative credit reporting during covid and I want it removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
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 kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

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 2020-02-16
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:
Experian refuses to correct/remove erroneous information on my credit report. I have tried numerous times to dispute this to no avail. They are in 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 2020-03-31
Company: 2288984 Ontario Inc.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I called moneykey on XX/XX/XXXX to tell them that my job closed my store due to the virus and I have no income coming in at the moment. I wanted to set up a payment plan for when I get income coming back in. The guy on the phone told me " I suggest you apply for unemployment so that way you can pay us back. That is the option most people are taking to get our money back. '' Then I told him I wanted to revoke the authorization for ACH because my bank account is now negative $ XXXX due to this. He told me he turned that off for me. Now, on XX/XX/XXXX I am getting automated voicemails from them for me to call and also a email saying that a payment did not go through. I checked that bank account and again they tried and I have more overdraft fees. I called them on XX/XX/XXXX to ask why they tried to push a payment through after I revoked permission for them to do that last week and we set up a payment plan when I got income coming back in. They lady on the phone acted like she couldn't hear me after I finished my question. I kept repeating myself over and over and still same response " I can not hear you can you repeat that again. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Southern Management Systems Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I started disputing this company in XXXX of XXXX into XXXX and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that the alleged debt belongs to me. This is the XXXX time this debt was sold after proving that this alleged debt isnt mine due to the companys insufficient proof and a copy of a printout bill isnt proof this is affecting my ability to get a new home. I don't know why I'm being treated like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
In XX/XX/XXXX, I decided to trade my XXXX XXXX for a XXXX XXXX XXXX pickup. 
I was originally financed with XXXX XXXX XXXX XXXX, later this same year XXXX XXXX XXXX took over all accounts from reliable and purchased this company. The jeep is still open on XXXX, and the XXXX is too so it appears I have over {$100000.00} in loans. 
XXXX  Shows incorrect reporting and balance of loan also shows late payment but this was because a bank employee wrote the incorrect routing number when I was hospitalized in XX/XX/XXXX-XX/XX/XXXX.  XXXX  shows in the {$60000.00} in loans. 
XXXX  Is double reporting for the same vehicle and is not showing payment history correct. MY Balance of loans are Shown as {$110000.00} It shows Reliable as well as popular leasing MY LOAN IS WITH BANCO POPULAR AUTO! I have one care loan and the balance is {$46000.00}

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