BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX, TRANSUNION, XXXX ARE BREAKING THE LAW UNDER Under 15 U.S Code 1681b- Permissible purposes of consumer reports I never gave them any written consent to report anything on my consumer report, No consent is IDENTITY THEFT.

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 2023-09-15
Company: Experian Information Solutions Inc.
State: CA
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:
This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Please delete these accounts immediately.

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 2021-10-21
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: Account information incorrect

Complaint:
I was turned down for an XXXX  card on XX/XX/XXXX because the experian report showed too many new cards. It is unclear if the customer service rep from XXXX  was referring to the amount of hard pulls or too many new accounts. I'm nearly certain they were talking about new accounts, but this doesn't change anything. 

I had three new cards added to my experian report on XX/XX/XXXX ( 2 years and 4 days before the new XXXX  application ). 

All three of these cards should have been removed from my report after two years per writing on the Experian website. However, these three cards were the reason I was rejected. 

The report used by XXXX  was stale information. Stale information is wrong information. My personal finances shouldn't be at the whim of this large incompetent entity unless they are willing to resolve these mistakes without additional hard pulls and wasted time. 

An Experian representative said over the phone they removed them after 2 years and 30 days. This is not consistent with their own website. 

Looking at my Experian report specifically ( not some made up conglomerate report ) through XXXX XXXX showed those three cards on the report as late as the XXXX XXXX ( 3 days after they should have been removed ). However, they were removed from that view of the report on the XXXX of 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 2019-05-03
Company: GreenSky, LLC
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:
Greensky Financial Obtained a copy of my credit report on XX/XX/2019 without my permission. I did not authorize this company to obtain my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Grain Technology, Inc.
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I recently changed banks due to the banking crisis and needed to switch my bank connected to Grain for monthly payment. They don't have that ability within the app, so on XX/XX/23 I reached out to customer service to request my bank be changed. 

Customer service responded that in order to change my bank, they needed to know the name of the bank and screenshots of my transactions. I let them know the name of the bank, but did not send screenshots as this company has consistently shown they can not be trusted and I do not trust their representative to have screenshots of my bank account. I have several reports in the past I've submitted regarding their app issues that prevented users from being able to pay their balance. 

The rep tried to explain the rationale behind this, however, in the past they've been able to do this without the extra request. They then also suggested sending in a check, which would be great however this company has no direct phone support and no office I can visit, so I do not trust sending them a check. Grain had major app issues in the past, many consumer complaints and they have no done anything to re-earn trust for me to send a paper check through mail. They've also had other ways to process payments in the past and are pretending they took them away. 

I finally decided it's best that I close this account since I truly do not trust the company. However, they won't even let me pay the remaining balance. Grain is an aggressive, unprofessional company that takes advantage of its lacking app to force customers into pay late fees, reporting inaccuracies on credit reports, and not providing proper ways for customers to pay their balance. 

I want to close my account and be able to pay via a one-time link they've sent me in the past, or to update my bank account and send an electronic payment. Based on this company 's history, that is the only way I feel that my money is safe and protected paying them and they need to honor this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I have 2 hard inquiries from Navy Federal Credit union one on XX/XX/2021, & one on XX/XX/2021 for a used vehicle loan. that wasn't me that applied for anything, those inquiries are affecting my credit. I would like you guys to get that company to remove them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a debt collection on my XXXX  credit scores for XXXX dollars and the debt is not mine from ic system inc

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 2023-01-02
Company: Experian Information Solutions Inc.
State: NC
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 HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY. I have been in contact with XXXX XXXX and they do not have information pursuant to XXXX XXXX XXXX. They are XXXX, badgering my credit with no explanation on an erroneous alleged chargeoff.

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 2021-10-21
Company: Experian Information Solutions Inc.
State: DE
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 two separate occasions i have repeatedly asked the credit bureau to verify the accounts to be named and send me proof of validity. They have not and only sent back as it is mine. These accounts do no belong to me and belongs to someone with my same name. The accounts are : XXXX XXXX XXXX # XXXX and XXXX # XXXX. 
The above mentioned accounts were removed and then placed back on my account. PLEASE HELP!

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 2022-02-19
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 Convergent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-10-21
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
ON XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this over 35 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes.

Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 35 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I would like the fraud alert associated with my credit across XXXX, XXXX, and Transunion.

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 2023-01-02
Company: Grow Credit Inc
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
Grow Credit has not complied with helping me with my account. This service is a straight scam. Ive contacted support but no one has helped me. I need the missed payment off my credit report because there was no wrong payment. My payments are still missed to this day and I dont know why. They will not help me with removing the missed payment which is diminishing my credit when they are supposed to be a credit building company. They stated they couldn't remove the payment but I know this is false. They just don't want to help people, they want to take your money and ruin peoples credit. I need the missed payments removed ASAP and this account to be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: HYUNDAI CAPITAL AMERICA
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I bought a XXXX XXXX XXXX through Kia Motors Finance. On XX/XX/XXXX my car was hit by a drunk driver. My insurance company XXXX issued XXXX XXXX a check to payoff the loan. The total amount of the payoff loan was {$15000.00}. And I have a copy of that Check. On XX/XX/XXXX XXXX helped themselves to an additional car payment in the amount of {$350.00} out of my checking account. Which is 100 % theft. First they claim they didn't have the check ... Then they claimed it was sent to the wrong address, which is NOT TRUE. I verified that with an Agent at XXXX who has been in total loss for decades and she told me that's a flat out lie and that the address they used is the same one they have used for years. This Agents name is XXXX XXXX. 

P : XXXX F : XXXX XXXX : XXXX I have called XXXX XXXX five times in the last 24 hours trying to get resolution and all they do is lie, deflect and blame Esurance. The Customer Service Supervisor that I spoke with at Kia Motors Finance is called XXXX. When I ask him a simply question about " their time schedule '' and their " process '' for processing the check they already have from XXXX, and refunding my {$350.00} they refuse to give me answers .... This has caused an enormous financial hearthache on me, as I already took a big loss with my car getting totaled. 

To sum up, XXXX XXXX has admitted they have they payoff check from XXXX, they are basically refusing to process that check and stole an additional {$350.00} from my autopay and refuse to refund my money ... I believe this is unethical, deceitful and illegal. 

Strangely enough XXXX told me yesterday that here seemed to be another account I have with them ... which is very strange ... But there were also issues early on with an incorrect VIN number. I had ONE LOAN and one car ONLY. Some how I found the second account that I would like an explanation for ... XXXX ... What is this account? and why do they have me owing {$19000.00} ... KMF is a very shady company and I want explanations. 

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 explanation
Consumer complaint received 2023-01-02
Company: EQUIFAX, INC.
State: PA
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:
XX/XX/22 disputed inaccurate items with Equifax, 30 days later no resolution. XX/XX/22 diputed inaccurate items. 30 days later no resolotion. XX/XX/22 disputed inaccurate items, 30 days later no resolution. XX/XX/22 disputed inaccurate items, 30 days later no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
I had a Wells Fargo credit card that was close to the limit for a trip to XXXX for my sons wedding few years ago. Had auto pay with Well Fargo card services and never a late payment for years. Sold my house XX/XX/2021 and loan officer said pay off card to increase my score for new mortgage. Loan officer re pulled credit for upstate and WF reported a 30 day late for XX/XX/2021 and my FICO plumited down and I can not get a mortgage. Payment was not late however they reported me 30 day late on credit report. This loan was paid off in full on XX/XX/XXXX and I have proof and WF confirmed but wants me to dispute with the credit agencies any can take too long.

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 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( XXXX ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.

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 2021-10-21
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2021 at XXXX XXXX. this company called my job leaving a detailed description of my debt asking for a call back. 

I could have lost my job. 
My boss says personal calls should not come to that number. The voicemail clearly states it is a XXXX XXXX that XXXX XXXX was calling and he proceeded forward. In Maryland, these debt collector calls to places of employment are illegal. I called and spoke to them a few months back about " stop calling my job '' and they continue to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check on XX/XX/2022 and it was a five day hold because my account is new. I received a notice of the delay funds availability saying that on XX/XX/2022 to the six business day after the date of your deposit will be available to you to use. Today is XX/XX/2022 and my phones are not made available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-21
Company: EQUIFAX, INC.
State: MO
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:
Im filing this because the 3 major credit bureaus has ignored the fact that my identity has been compromised in which resulted in unauthorized accounts reporting on my credit files. Ive requested the name and title of the person or persons that conducted so called investigation prior to this official complaint. Im a victim but refused to be victimized by these 3 credit reporting agencies. Im demanding the immediate removal of the following accounts, or a signed individual contract with supposed businesses in which I have no business with, please remove. 

1 ) XXXX XXXX XXXX {$68.00} 2 ) XXXX XXXX {$1700.00} 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX XXXX XXXX  5 ) XXXX XXXX 6 ) Dept of ED/ XXXX {$3900.00} 7 ) Dept of ED/ XXXX {$2700.00} 8 ) Dept of ED/ XXXX {$2700.00} 9 ) Dept of ED/ XXXX {$1900.00} 10 ) Dept of ED/ XXXX {$1700.00} 11 ) XXXXXXXX XXXX XXXX XXXX {$520.00} 12 XXXXXXXX XXXX XXXX XXXX  {$540.00}

Company response to consumer: Closed with explanation