BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

Account name : XXXX XXXX XXXX, Account Number # XXXX, Account Name : XXXX XXXX, Account Number # XXXX, Account Name : XXXX XXXX XXXX, Account Number # XXXX, Account Name : 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 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 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information 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 reporting agency if the person knows or has reasonable cause to believe that the information 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 non-monetary relief
Consumer complaint received 2023-02-05
Company: Experian Information Solutions Inc.
State: MO
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 XXXX XXXX credit card is being improperly reported as me being over the credit limit which is a violation of the fair credit reporting act. See XX/XX/23 statement attached

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 2022-10-18
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  Account # XXXX, has violated my rights. 

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 response to consumer: Closed with explanation
Consumer complaint received 2017-02-18
Company: Blakely-Witt and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have disputed the account several time with XXXX being that the original amount owed of {$880.00} reflecting on my credit file does not match the original amount of {$850.00} documented on the paperwork provided to me by the collection agency. For the record this discrepancy is yet to be fixed despite several disputes. Attached you will find a copy of the aforementioned document. 

I have been mocked by XXXX of the agents of the collection agency during a phone conversation, who stated that he has a good credit and I do not. Granted that is the only collection account on my credit file On XXXX XXXX, 2017, I sent an email to the collection agency, Blakely-Witt and Associates, Inc. that is. In response to my email, that same week, they did an update to my credit file that significantly plummeted my credit score. An act of malice on their part. Or perhaps, a willful intent to do harm to my credit score. 

In any event, I also found their action discriminatory unless they can show that the update that was done on my file is customary and a standard practice, and that such updates are done on all files handled by their office. Even then, the legality of such an extreme and abusive way of trying to collect a debt has to be questioned. 

Like I stated on my last email to their office, I will not accept being bullied and based on their response, I will have to add that I will not accept been singled out, treated unfairly and discriminated upon either. 

The agent that responded to my email also stated that they will no longer response to any email from me and that If I would like to contact them, in the future, it would have to be through certified mail. Again, unless this is something they ask of all individuals who 's collection account they are handling, I will herein add that I will not accept been singled out, treated unfairly and discriminated upon. 

Today, I would like to bring my recent experience with the said collection agency to your attention in form of this formal complaint. Especially, since I can not communicate with them without fear of some sort of punitive action from them that could be detrimental to my credit file/score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA you are expected to delete this items.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

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 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 2022-10-31
Company: Experian Information Solutions Inc.
State: ID
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 worked for a XXXX XXXX and i liked a vehicle that came in, i talked to owner and we worked out a deal that i can slowly pay off the down payment along with truck payments, i made payments and he would take down payment out of my checks, after a few months ' work slowed down and i seeked other work i let him know, he got all upset threating me to repo the truck and taking me to small claims court, i turned in my invoices for my final pay check and he messaged me saying Hes keeping my check for truck payment, two days later he had my truck repoed and was on mine and my wife 's credit. from XX/XX/22 to XX/XX/22 they received {$730.00} in payments and took over {$1100.00} in my pay checks from invoices, then repoed my truck XX/XX/22

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 2023-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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:
In accordance with the fair credit reporting act conversion account numbers- XXXX, XXXX, XXXX, XXXX ( US DEPT EDXXXX ) XXXX has violated my rights.15 USC 1681 section 602a states I have the right to privacy, 15 USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish your 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 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. 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 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 2022-10-31
Company: EQUIFAX, 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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: EQUIFAX, INC.
State: AZ
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, XXXX 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 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 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 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-05
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax is preventing me from accessing the results of my credit report dispute. I was able to log into the system to start the dispute but when I went back to get the results, it did not let me back in or recover my login.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My original complaint is below. I am starting a new complaint because I have the following response to Chase bank and the CFPB and the original complaint has been closed. The only statement the company has provided is we decided to close your account because of your connection to a publicly reported financial investigation. They now further elaborated that this is specifically related to my XXXX. A quick XXXX search revealed there is someone with the same first and last name as my XXXX, and I believe even the same birthday, who lives just XXXX of us, and has been indicted and sent to prison for mortgage fraud. My XXXX is not in prison and has not been indicted for mortgage fraud. Could this be the reason they have decided to discriminate against my XXXX? 


Original Complaint : My XXXX and I recently opened a Chase XXXX account using my XXXXs birthday money so that we could fund XXXX XXXX XXXX cards they offer for children. After relatively little activity and not much either being deposited or withdrawn from the account I received a letter from Chase stating that after a periodic review they have decided to close the accounts, including my XXXX XXXX XXXXXXXX XXXX cards. They can not provide any reason whatsoever to why they decided to do this. I can't help but feel that they make it seem as if we did something wrong or shady, which makes it all the more frustrating because there is no way we could defend ourselves. It actually feels very much like discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: EQUIFAX, INC.
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 status incorrect

Complaint:
XXXX, XXXX and EQUIFAX have violated my rights ( 1 ) 15 U.S.C 1681 section 602A states I have a right to privacy. ( 2 ) 15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction. ( 3 ) 15 U.S.C 1681 c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following item of information any other adverse item of information other than records of conviction of crimes which antedates the report by more than seven years. ( 4 ) 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 know or have reasonable cause to believe that the information is inaccurate. I also have every open and close accounts number on paper if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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  XXXX : # XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX : # XXXX, XXXX  XXXX : # XXXXXXXX XXXX XXXXXXXX, 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 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 2022-10-18
Company: EQUIFAX, INC.
State: TX
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 am filing this complaint for the reason that I have been dealing with Equifax for a few months regarding inaccurate inquiries on my report Please see this complaint is processed to the letter of the law. I have been sending countless letters appealing to Equifax to verify the disputed account and remove them if unable to prove that the account is mine. Equifax is failing to remove the account from my report. I filed a report on the FTC website, I specified how the identity theft took place, as I was told by a Equifax rep and mailed everything. I Called a month later and they stated that they didn't receive anything. I was told I could fax it to XXXX on XX/XX/XXXX. I havent got a responce XXXX I call to see the statues It doesnt get me nowhere.I have had ENOUGH! how much documentation does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! DELETE the Inquiry which I do not own. 
XXXX CREDIT XXXX XXXX XXXX XXXX. XXXX CREDIT XXXX  XXXX Date : XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: Experian Information Solutions Inc.
State: TX
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:
My complaint as a consumer is whos holding the credit bureaus responsible for their errors.XX/XX/XXXXXXXX A tradeline was added to my Experian profile which ding my score negatively. I contacted the creditor XX/XX/XXXX bank XXXX I wasnt account holder nor was I authorized user. 
I contacted Experian to find out how this happened, know one could provide me any answers. Although they could help me get it updated and removed I was concerned how it would impact my score again of removing a line of credit that been added my credit profile, its like getting hit twice. The representatives didnt understand what I was trying to explain as they dont even understand credit themselves! And dont have real answers to give you, theyre just order takers ; Its very frustrating as a consumer when know one is being held accountable for their errors but quick to make consumers be held to the fire. I worked very hard to get my scores where there are and I dont have time for agents from either side creditor or the bureau to make errors as neither would own up to the mistake made, but as the consumer Im being impacted! Will I get my points back? Will this happen again how do you trust the system?

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 2023-06-24
Company: FISERV INC.
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On XXXX I received a charge of {$100.00} for XXXX XXXX and an {$8.00} XXXX XXXX XXXX fee. The {$100.00} charge was credited the same day but the fee was not reversed. I did not make this charge and have never used the service so I filed a dispute with the card issuer. I called back after the 90 day window ended to follow up on the status of my dispute as I had never received an update. When I called I was told that my dispute had been closed and fees do not get reversed, even if they are associated due to fraudulent charges. In the cardholder agreement it only says that fees are not reversed in the event of a return. There is no mention of the customer being responsible for fees due to fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29
Company: Exeter Finance Corp.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On XX/XX/2019 I travelled to XXXX XXXX of XXXX, MD to test drive, compare pricing and and ask about financing options. Three hours later I left the dealership at end of my visit dazed, frustrated at the events just happened. First, I left the dealership with a car I did not select. And an {$20000.00} auto loan that was approved without proof of income. In addition, my credit report was run and showed *poor credit. 

Moreover, I left with an installment loan payment of {$120.00} more than what Im currently paying. Further, the loan agreement has close to {$4000.00} in additional charges over the sale price of auto. 

On XX/XX/XXXX I tried to return the veichele to XXXX spoke to a manager and explained to manager all of the above and he refused to take car back. I explained for 2nd time to Manager their is no way I can pay this payment.. The loan was approved without proper validation of income. 

In summary, from the account executive that sold me the car to the auto finance Exeter .I firmly believe I was the victim of Deceptive and Unfair Sales and Finance Tactics that have potential to bankrupt me due to my poor credit.

Exeter Currently charging 21.47 APR and is a debt collector

Company response to consumer: Closed with explanation