BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have sent multiple certified written letters to Transunion in regards to Accounts on my XXXX XXXX TransUnion credit report. 
Upon reaching out to the companys who provided these accounts, they cant confirm the accounts belong to me due to billing address discrepancies. 
I have informed this bureau on multiple occasions that my only address is XXXX XXXX XXXX a home that is OWNED. This is where I live, this is where I receive any communications. They have refused to take action. This tort, unlawful, unethical, decision has caused hard to me. There are multiple late payments being reflected on my report, in which the accounts do not belong to me. It seems as if TransUnion is only in this for financial gain! Why? Due to the lack of not properly informing me when someone signed up for something in my name using a different address! I have lost thousands of dollar trying to repair this mess they have caused!

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 2022-03-24
Company: Telsa Motors Inc
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I initially placed my Tesla Energy order for solar to be installed at my home on XX/XX/XXXX. XXXX 's vendor XXXX XXXX approved my loan application on XX/XX/XXXX, to fund the project. Tesla installed the solar equipment, and all inspections were completed by XX/XX/XXXX. 

After installation, I expected to start repaying the loan I'd secured. After several months of contacting Tesla and XXXX XXXX, I provided a copy of the deed recorded with the county clerk, a piece of supporting documentation required for my loan that I'd provided XXXX XXXX  on numerous occasions. The last time I interacted with XXXX XXXXXXXX was on XX/XX/XXXX. 

Both Tesla and XXXX XXXX  were uncommunicative with me until XX/XX/XXXX, when a member of Tesla 's Energy Escalation and Resolution Team reached out to me. Tesla informed me that my loan with Sunlight Finacial wasn't funded " due to unforeseen circumstances. '' As an alternative, I was offered an internal loan product by Tesla that would save me money. The loan application process was completed by XX/XX/XXXX, due to unreliable and unclear communication on Tesla 's part. 

After securing the second loan, the first bill was incorrect by {$3200.00}, and the payment amount did not match any statement that I'd received from Tesla. Thankfully my bank was able to reverse the charge and limit the damage this could've caused. This incorrect billing amount has been debited from my bank account twice, and Tesla is still looking into resolving the issue.

Tesla has not been able to provide me with a timeline on when my account will b
e corrected and when I can resume regular monthly payments. Tesla also has been unable to confirm whether they've removed the autopay authorization from my account to prevent further erroneous charges hitting my bank account. This ordeal has been a protracted 16-month disaster.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me i have no knowledge of them, be advised by law i have the right to PRIVACY and you the credit reporting agencies have violated it.the list of accused collections accounts and dates FOLLOW AS : XXXX, XXXX & XXXX opened XX/XX/2021 for {$220.00}, XXXX opened XX/XX/2021 for $ XXXX LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING XXXX XXXX THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : TRANSUNION IS CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. 
personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2021-07-01
Company: EQUIFAX, INC.
State: NV
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 unverified accounts on my credit report that I have asked to see signed consumer contracts with my name that the credit bureaus did not investigate properly and are showing up as collections and one charge off that is affecting my ability to obtain credit. I have unauthorized credit inquiries on my credit report that I did not authorize. I have submitted letters to all 3 credit bureaus including the company 's and dates that the inquiries where submitted. I only gave my authorization for one bank to run my credit I now have 18 inquiries on my credit report mainly from auto finance companies. NEVER AUTHORIZED ANY DEALERSHIP TO RUN MY CREDIT THAT MANY TIMES. This is devastating to my credit report. The credit bureaus have not properly investigated my letters I asked for paperwork with my signature and they did not provide it to my according the the law usc 15 609 ( A ) Equifax Collections : 1XXXX XXXX/ account # XXXX XXXX. XXXX XXXX XXXX/ account # XXXX Closed Account : XXXX XXXX XXXX Account XXXX XXXX Non authorized inquiries : XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX Closed Account : XXXX XXXX XXXX XXXX Account XXXX XXXX Collection : XXXX XXXX XXXX N/Account # XXXX Inquiries : XXXX XXXXXXXX XXXX XXXX  XX/XX/202XXXX XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXXXXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXXXX/XX/202XXXX XXXX Closed account XXXX XXXX XXXXXXXX XXXX / Account # XXXX Collections : XXXX XXXX/ Account XXXX XXXX XXXX XXXX Account # XXXX Inquiries : XXXX XXXX XX/XX/2021 XXXX XX/XX/20XXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX XXXX XXXX XXXX in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX  I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2022-11-09
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I filed a CFPB complaint against Experian requesting for the corporation to provide me their method of investigation. Experian has failed to provide me with their investigative method as of XX/XX/XXXX. The company didn't not investigate these alleged accounts nor attempted to investigate. Based off previous disputes, the company failed to investigate based off. I have attached the report with the findings to prove Experian failed to investigate On credit report number XXXX for XXXX, XXXX, the Company reported on XXXX XXXX XXXX XXXX Acct XXXX XXXX Experian stated this item was updated from our processing of your dispute in XX/XX/XXXX. XXXX XXXX partial acct # XXXX The item was updated from our processing your dispute in XX/XX/XXXX. XXXXXXXX XXXX XXXX Acct # XXXX Experian stated that the item was updated from our processing of your dispute in XX/XX/XXXX. XXXX XXXX XXXX XXXX  Acct # XXXX Experian reported that this item remained unchanged from our processing of your dispute in XX/XX/XXXX. Experian reported on XXXX XXXX XXXX Acct # XXXX this item was updated from our processing of your dispute in XXXX. XXXX XXXX XXXX  Acct XXXX Experian stated that this item was updated from our processing of your dispute in XX/XX/XXXX. Experian reported that XXXX partial account XXXX item was updated from our processing of your dispute in XX/XX/XXXX. Experian stated that with XXXX XXXX partial account XXXX the item was updated from our processing your dispute in XX/XX/XXXX. Experian is failing to offer me with the investigative method and is not researching these accounts adequately. I am attaching the report and have circled Experian failing to due their due diligence to me as a federally protected consumer. I am asking for the account to be updated and or deleted according to my 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 non-monetary relief
Consumer complaint received 2019-01-05
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Deposit was done via atm on XX/XX/XXXX. The same day the bank reversed the deposit. I immediately call the bank to get an explanation on why the deposit was reversed and they said it was due to endorsement. I had review the deposit and endorsement and they admitted to making en error in the reversal. The funds were to be available on XX/XX/XXXX as per the original deposit slip. On XX/XX/XXXX the atm department redeposites the check. However, this time the put an extended hold until XX/XX/XXXX. I have submitted proof the check cleared the bank and the check was paid on XX/XX/XXXX. Even with supporting documentation they have not released the hold claiming the funds are u collected. In the meantime my business is on hold due to lack of working capital.

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 2018-02-15
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received an alert that XXXX XXXX XXXX put a collections account in my credit report. I contacted the company and a rep named XXXX answered the phone. I told him about the amount. It stated that my highest credit limit was {>= $1,000,000} and it was incorrect. He then stated that the credit bureaus must have typed that information in. I then asked for verification of the amount owed and the original amount of the debt. He then told me that he was not he was not going to send me out any paperwork so I can decide if I want to pay. He told me that I shouldnt have went into Conns with the intent of stealing or not paying for the merchandise. He then hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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 customer service

Complaint:
I have a credit card with capital one that was previously registered with XXXX Pay for purchases without the use of my physical credit card. When I tried to re-activate the credit card with XXXX Pay Capital One required verification which was to take pictures of my photo ID. I took pictures of my photo ID multiple times which Capital One said they couldn't read. The mobile app has no other forms of verification, so I called the company. I spent over 2 hours trying to get the situation resolved without success. Capital One 's verification processes do not take in to account faces of color and instead says the IDs cant be read. Then they don't have alternate means to correct the issue. This is DISCRIMINATION. Because at this point I am not able to use services that I should have access to simply because my face is difficult to see through an online app.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
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:
Toyota financial fraudulently reported me to a credit agency and withheld critical information in their original response to my complaint they provided to you. The recording of my calls to Toyota Financial will support my version and the fact that their response to you intentionally withheld pertinent facts to their fraudulent reporting.

The final payment for my lease with Toyota Financial was due in XXXX of XXXX. As we were planning on buying out our lease, we did make the payment until we could confirm the total buyout amount. 

On XX/XX/XXXX I contacted Toyota Financial requesting the buyout amount. During that call, the representative informed me that I had an outstanding payment and asked if we hadnt paid due to our plan to buyout the lease. When I confirmed that plan, he waived our late fee and rolled the final payment into the total buyout amount. There was no mention of me needing to make that payment outside of the buyout in order to avoid being reported to the credit agencies. I was told Toyota needed to receive the buyout by XX/XX/XXXX. Please ask to hear the recording which will support my description of the call. 

Once I received the buyout package, I obtained financing and sent the check and documents to Toyota. This package was tracked and received by Toyota Financial prior to XX/XX/XXXX. 

I called Toyota Financial back 10 days after my initial call which was also after they received the package with my check. I asked if there was anything additional that I needed to do. I was told that I would hear from Toyota if there was anything needed. I was not asked to make any additional payments or warned about being reported. Please ask to hear the calls recording to support my version above.

Questions for Toyota Financial to answer. If they cant, then their actions demonstrate fraudulent reporting I am accusing them of. Why would they include the final payment in my payoff amount if they expected me to pay outside of the payoff? Were they expecting me to knowingly request an incorrect financing amount from my FI? If they reviewed my call notes and listened to the recordings, why did they withhold the points I raised in their response to my complaint?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: MoneyLion Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I have received in the mail an unsolicited debit card from Money Lion. It purports to be a mastercard debit card. I most certainly did not ask for this card and I have no business with this company now or ever. I have tried to contact Money Lion but the only way to contact them is to activate their dreaded card or provide them with personal information like SSN that I have no intention of giving someone who sent me a card like this. I suspect that this is related to some kind of fraudlent activity and I wish to find out how it happened without giving them my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX Account # XXXX XXXX  XXXX Account # : XXXX XXXX  XXXX Account # : XXXX XXXX  XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX  XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX  Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : 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 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02
Company: PNC Bank N.A.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Tried to link existing account from PNC to XXXX so I can apply for PPP. 

I got an error message saying recent changes to PNC make it impossible to link.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions 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 wrote in and sent in certified letters asking them to dispute each inquiry listed on my report because I did not authorize them and believe them to be fraudulent. I ask to dispute each one and provide me with documentation that shows my signature giving authorization. They keep sending a generic printed letter saying that inquires are a matter of record and they dismiss my claim. Ive had this happen 5 times now. They need to comply with the fair credit reporting act and do their job because these errors on my credit report are hurting 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 explanation
Consumer complaint received 2020-03-14
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX - Contacted XXXX XX/XX/XXXX prior to debt showing up on my credit file, I let them know debt was invalid. I followed up because the correspondence said I must respond within 30 business days or debt would appear on credit file. I called - Company stated they would contact the issuer of debt and place a dispute in regards to a debt of XXXX $ which showed on my credit file for XXXX XXXX XXXX XXXX. 

XX/XX/XXXX- After waiting 30 days with no response, I called back company said they were still working on it and not to worry wont be on credit file, while disputing. 

XX/XX/XXXX- debt appears on credit file- I was was trying to rent a home. This prevented me from renting home of my choice. 

Contacted the company - company stated a representative accidentally put it on credit file I sent second dispute letter XX/XX/XXXX requesting removal from credit file. 
Followed up : XX/XX/XXXX. 
Company Stated : didnt receive dispute. 

I sent third dispute letter XX/XX/XXXX Followed up : XX/XX/XXXX. 
Company Stated : dispute was received. 

Contacted company - XXXX to check status of dispute, because I had not received a letter in mail or any followup in regard to debt validation. 

Company stated : dispute not received - However my credit report stated account disputed by consumer meets FCRA guidelines Contacted company today XX/XX/XXXX to check status rep is now saying no dispute on file. After last rep stated dispute received. This company is giving me the run around and has not after almost a year responded to any of my concerns. My credit score is declining because of this company

Company response to consumer: Closed with explanation