BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-24
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 reporting act XXXX  account # : 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 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 non-monetary relief
Consumer complaint received 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
There is a bankruptcy that is being reported in my name. I am well aware that they did not receive any information from the court as the court states it does not release information but instead they get their report from XXXX. the information that XXXX in reporting and the information that LCI is reporting is not the same. I have provided information to show the court name and the case number does not match. 
I have tried many time to have Transunion remove this incorrect information but every time it comes back verified by LCI. 
I have also included there response and their refusal to remove it

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 2023-12-10
Company: Bridgecrest Acceptance Corporation
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I had medical issues that caused me to fall behind on payments every month. I recently had those hardship issues resolved and can get back on track to paying on time. However, during this time, a bunch of late payments were added to my credit report. This resulted in a drastic change in my credit report. Due to those reported late payments, I am having trouble being approved for a home.

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 2023-01-17
Company: Experian Information Solutions Inc.
State: MD
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 sent a letter on XX/XX/XXXX to remove 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 Balance : {$9600.00} XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX XXXX Balance : {$12000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX They are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it 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 non-monetary relief
Consumer complaint received 2023-01-24
Company: Experian Information Solutions Inc.
State: MI
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 u.s.c 1681. These are the name 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 15 u.s.c 1681/ section 602 A States I have the right to privacy 15 u.s.c 1681section 604 A section 2 also States a constant reporting agency can not a account without my written instructions 15 u.s.c1681/c ( a ) ( 5 ) section startes ; no consumer redorting agency may make any consumer report containing any of the following items of information any other than records of conviction of crimes which antedated the report by more than 7 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 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 2023-01-17
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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law.These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved 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

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 2018-11-05
Company: Harpeth Financial Services, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I had taken out an installment loan and not a payday loan with a company online called XXXX XXXX XXXX. On XX/XX/2018 I borrowed {$2400.00} to be paid back in instalment payment with interest. Once I received the loan the company never gave me a detailed amount for the 12 month period. So, when I received the installment bill it was more than my mortgage amount. I lived on a fixed income once a month because I am a XXXX  and XXXX XXXX veteran. When I made my first payment in XX/XX/2018 I made a {$400.00} payment. In XX/XX/2018 I made {$150.00} payment towards the {$2400.00}. I was in the hospital in the month of XX/XX/XXXX because I had XXXX, therefore, I didn't make a payment in XX/XX/2018. So, I went to make a {$150.00} payment on XX/XX/2018, for another {$150.00} I saw the billing statement and it went from the {$2400.00} to {$4800.00}. If had an idea that the company was charging their clients that type of interest I would have never would have borrowed that money. I am already in chapter XXXX for the next 3 years that I can't afford to pay back what this company is asking of me. and I think the company if ripping me off by not applying any of the money towards what I had borrowed. So, right now I need your help, please!!! By the way, I did tell the company in XX/XX/2018 that I could not pay the amount that the company was asking for each month, however, that I would continue to send in a payment each month until my loan was paid in full. I always pay my bills and I am trying to be honest with this company but they are giving me nothing but grief. So please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
CFPB Write up n 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a dispute letter to the credit bureau after reviewing my credit report. I noticed there were inaccurate items on my credit report and items that did not look familiar to me. It has been over a month already and I still have not received a response and my credit report is still showing the inaccurate items. These inaccurate items have been a huge obstacle in my life. After no response for over a month prior to completing this complaint I sent another letter demanding them to comply and conduct their investigation and respond. According to the law these items should be deleted because it has been well over 30 days and I have not been notified of any type of investigation taking place. I do not know what else to do.

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 2023-01-17
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17
Company: EQUIFAX, INC.
State: NE
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update or correct these immediately : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Capital one auto finance XXXX XXXX XXXX XXXX XXXX, TX XXXX This company is reporting that this account was included in a bankruptcy. However, I opened this account on XX/XX/XXXX. I totaled this vehicle on XX/XX/XXXX and it was completely paid off and in good standing by insurance. 
They have reported the status date of this being XX/XX/XXXX when this vehicle was already paid off completely by insurance in XXXX. They're reporting fraud and inaccuracies on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This complaint is been file against TransUnion LLC. They are reporting incorrect and misleading information on my credit report. 

Complaint # XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX and XX/XX/XXXX TransUnion reported my payment as current. In XX/XX/XXXX they reported 30 days late, XX/XX/XXXX they reported 60 days late, XX/XX/XXXX they reported 90 days late. According to TransUnion I was late 180 days. How can I be 180 days late when my payment was current in XX/XX/XXXX and XX/XX/XXXX? From XX/XX/XXXX to XX/XX/XXXX they put an X on my credit report, which means unknown. This reporting in incorrect and misleading. I have wrote to TransUnion many times over several months and they refused to delete. 

Complaint # XXXX XX/XX/XXXX to XXXX of XXXX TransUnion put an X on my credit report, which means unknown. In XX/XX/XXXX TransUnion reported on my credit 120 days late. How can I be 120 days late in XX/XX/XXXX if the prior 4 months are reported unknown? 
Because of this I have problems sleeping and nights, my marriage is suffering due to XXXX XXXX XXXX XXXX XXXX XXXX not only that I'm having XXXX XXXX. I am a XXXX XXXX XXXX XXXXXXXX XXXX and I can't apply to certain jobs because of all these incorrect and misleading 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 explanation
Consumer complaint received 2022-05-20
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XXXX XXXX  2021 I was issued a 5000 Grant from the XXXX XXXX XXXX I had the money deposited into my American Express Serve account it was for my XXXX XXXX XXXX XXXX once the funds were deposited into my account my account was closed out due to what they say is fraud because it came under XXXX XXXX instead of XXXX XXXX I sent them proof of where the funds came from a copy of my identification card saying my middle name is XXXX as well as all the proof they asked for my account has been closed since XXXX XXXX of 2021 and I still have the 5000 in my account that has not been returned to me I have tried numerous times to resolve this problem with no luck

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, so I have made my mortgage payment on XX/XX/XXXX I sent them a check through USPS and I sent them proof that I sent the check. I sent them a copy of the check and the XXXX dated stamp confirming that they have received the mail on XX/XX/XXXX. Somehow XXXX XXXX claims that they have received my check until XXXX, which either it got lost in the mail or someone misplaced my check in the company and forgot to deposit it.. because I mailed this out XX/XX/XXXX with proof, When I saw in XXXX that it did not post in my account I immediately made XXXX online payments for XXXX to be on the safe side... Seeing that they don't receive my checks.. 

I sent them in proof with everything and they have not done anything all they say is that I made payment on XXXX even though they have received my checks and confirmed they have received it and they have confirmed they have seen the dates and the USPS confirmation for XX/XX/XXXX but they still have failed to remove that from my credit report and update the credit bureau XXXXompanies that I'm up to date with payments and I was never 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 2019-01-10
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Good afternoon my name is XXXX XXXX XXXX XXXX XXXX I have been dealing with this issue for years now I have submitted all documents too XXXX XXXX discharge I receive XXXX and they are trying too garnish me I have no use of my XXXX and cant XXXX no medical insurance have too pay for everything out of pocket please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Had a account with Coinbase, funds were transferred out of the account only to find that the money was redirected back into the account after a month, account was closed unexpectedly, and now can not access account or funds in the account, phoned Coinbase customer service, they see account and funds but have not given me access, been over a month of dialogue, looking at other options

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: EQUIFAX, INC.
State: IL
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:
Someone entered a Fraudulent consumer transaction with an organization using my credit card ( as described in 15 USC 1602 ) and as a Result was extended credit in a consumer credit sale by this organization. The Organization is now Claiming that they originated the credit, that someone else Extended to them by using my personal information, in which constitutes Fraud. Pursuant to the Federal Law they have committed fraud and several violations of the FDCPA, TILA, & FCRA. They have not validated anything ; I never received a Material Disclosure of any of the information that was suppose to be provided to me. They have not been Impartial & have taken an unfair Advantage of me as a Consumer ; They should be held accountable for deceiving me and not Validating the Debt. They are Violating my Trust within the banking system and this is causing me Reluctance when doing Business with other banks & Financial institutions. They are Ruining my general Reputation and Character and should be held Accountable for Violating the law and Violating my Trust. This is causing me severe adversity, Stress, mental anguish, hardship, & XXXX as a result of them reporting Fraudulent information on my consumer Report. They're acting as if they are Unaware of what i am Requesting or that the Law does not Apply to them and I've included Evidence & Proof several times, Pursuant to Federal law with facts that prove that the Law does in fact apply to them & that they Must Adhere to them. They have disregarded the law by saying, The information I disputed has been verified accurate, which is Not Proof Of Verification or Proof of Anything. They have not Provided me with any Original Documents & They Continue to disregard the Law by failing to properly verify information and using unfair Practices With no real actual investigation ; They haven't conducted any interviews nor have they sent me Verification with Exact names & addresses of conducting Actual interviews Nor have they provided me with any Material Disclosure of any Original Documents. Their willful Disregard to Federal law and non-compliance has essentially damaged my Credit File as well as my consumer Report and Reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: Experian Information Solutions Inc.
State: LA
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:
XXXX XXXX XXXX XXXX my debt to XXXX XXXX. This debt was paid in full on XXXX/XXXX/XXXX. Both XXXX and XXXX show on my credit report as negative. XXXX agreed to remove the debt from reports once paid in full. I have called them multiple times since my XXXX payoff and they are telling me that they have done what they need to do to remove and it 's out of their hands. I have filed disputes with all 3 credit reporting agencies and they say the information is correct. 
XXXX tells me that when they sold the debt to XXXX their negative reporting should have been removed. Again, I have filed disputes with all 3 agencies and am told that the information is correct. Meanwhile XXXX and XXXX say that they have done all the were supposed to do to have removed. 
No one is taking responsibility. 
I would like both debts removed from all 3 agencies report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a 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. I am never been late on this 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