BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-19
Company: Experian Information Solutions 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:
To whom it may concern, I've already sent a letter to the creditor asking them to remove this late payment. They have not abided by what I have requested. They also violated my consumer law because they never gave me the option to opt out from reporting this information to a third party. 
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such third party. 

Payment Date : XX/XX/XXXX XXXX XXXX Account # 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 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I reviewed a copy of my credit report and I noticed that there are some fraud accounts listed on my report. I have previously reached out to the credit bureau to rectify this affair, but they have been negligent in complying with my request.

The accounts and inquiries listed do not belong to me and are invalid. The disputed information does not relate to any transaction made by me. A copy of my drivers license, social security card, and 2 FTC reports related to this dispute are 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 non-monetary relief
Consumer complaint received 2018-04-04
Company: Experian Information Solutions 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 sent in a dispute to Experian and it was received on XX/XX/2018 and I have yet to get a response. They have not verified permissible purpose or proof of I initiated these inquiries nor written authorization. I have waited for to long for the completions of this investigation. Documents and proof of Experian receipt of dispute is attached to this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Well Fargo forced us into foreclosure on our home at XXXX XXXX XXXX, XXXX, GA XXXX forced into sale on XX/XX/2019. During the proceeding several years we received dozens of foreclosure notices, litigation went all the way to Georgia Court of Appeals, we managed to pay our way out but were left financially devastated. Credit rating was destroyed. During this process mitigation / loan modification was refused and we were forced to sell during final foreclosure notice process on XX/XX/2019.

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 2023-09-13
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Today, XX/XX/23 I was checking my XXXX account information and realized there was an alert from XXXX which stated I had opened a new banking account with Fifth Third Bank. However I did not open an account with this bank, nor have I ever to my knowledge. I called to report it as fraud, and was told over the phone that they both did and didn't see and account, still confused by that, or at least the representative said there was a profile but no account, but then kept referencing an account. I was then transferred to the dispute department to dispute the profile, however I was told I couldn't dispute this fraud as the profile was incomplete. I tried to emphasize that this was fraud, and tried to offer to give them any information needed so I could properly have it flagged as fraud, the representative may not have heard me though, she kept saying I was cutting in and out. However I could hear her perfectly, so I'm not too sure how true that is I then asked to speak to a supervisor to better understand what was happening. The supervisor kept asking for my name, then seemingly pretended to be unable to hear me and hung up on me after a minute or two. All I want to do is ensure there is no account with my name/SSN on it with Fifth Third, as well as dispute and mark as fraud the profile they have on file. However it would seem there is no way to do this. It seems downright illegal that Fifth Third is allowed to operate like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
A year ago in XXXX I was contacted by my the fraud department of USAA and was sent a text message that money was being attempted to be removed by someone on XXXX and I called and tried to rectify it. They sent a text asking if I authorized it and I text back no and then revive a call from USAA. As I was speaking with this person they had all of the banks speech that they normally use the help identify them. They knew a lot about me and basically got access to me account and added themselves to my XXXX contacts and transferred money. When I reached out to USAA and told them I dont know this person and it hard to discover that they werent them until it was too late. They said it was my negligence and that it was completely authorized since I went through the steps. This is not the first time something like this has happened and they basically told me that XXXX inept and they have they right to close my accounts because it was my fault. I eventually gave up on them and they kept charging me on transactions I couldnt stop. So they closed my accounts with 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 2023-10-21
Company: Experian Information Solutions Inc.
State: GA
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:
There are inquiries that I did not authorize reporting on my credit report. 

XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXt XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-07-03
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I've have a chime banking account open since year XXXX the year of XXXX chime banking closed my account due to identification verification upon me sending them the identification documents they year of XXXX they have not reopen my account even though I've sent them identification documents numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: VW Credit
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I XXXX XXXX DECLARE THAT ON XX/XX/2023 I BOUGHT A CAR AND OBTAINED A SUPPOSED LOAN FOR A NEW CAR FROM THE VOLKSWAGEN XXXX BRAND, BESIDES THEY PRESSURED ME TO ACCEPT A DEAL THAT THE SAME DEALERSHIP KNEW THEY WERE MISLEADING ME BY CHARGING ME MUCH MORE OF THE VALUE OF THE CAR GIVING ME EXTRA FEES AND WARRANTIES THAT I DID NOT ASK FOR WITHOUT CONSULTING ME FIRST, THEY WANT ME TO END UP PAYING {$63000.00} DOLLARS INCLUDING FINANCING AND TAXES FOR A BASIC CAR MODEL THAT LOSES A LOT OF ITS VALUE ON THE MARKET. BESIDES I DON'T LIKE THE SUV THE SEATS ARE VERY HARD AND OF LOW QUALITY AND I DON'T FEEL COMFORTABLE I ONLY HAD IT FOR 5 DAYS AND I ALREADY RETURNED IT TO THE DEALERSHIP I TRIED TO CONTACT THE BANK AND THE SAME MANAGER OF THE DEALERSHIP BUT THE VW BANK CREDIT HAS NOT GIVED ME ANY RESPONSE WITH THIS PROBLEM AND NOW I AM RECEIVING HARASSMENT BY THE DEALERSHIP THREATENING TO MAKE ME A VOLUNTARY REPO IF I DON'T KEEP THE SUV, I'M NOT INTERESTED IT'S A LACK OF RESPECT AND ABUSE AND I THINK OF PROCEEDING LEGALLY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Experian Information Solutions Inc.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian Credit Reporting Agency removed an open account with XXXX  XXXX from my Credit Report as well as the inquiry ( Hard Copy ) and refuses to resolve the issue. For 5 hours today, I have been on the phone trying to resolve the issue with them. The first agent I spoke with in the Membership Dept told me that they had not received a report from XXXX XXXX for the last 6 months. The account has only been open for 6 months so I knew she was not telling the truth. Also, I have received emails from Experian stating what a good job I'm doing with my credit payments. She then stated that she would transfer me to the Dispute Department. I was on hold for 10 minutes. I then got someone who stated he was a Supervisor for the Membership Dept and that my open account was removed due to Fraud. Stated it was a Fraudulent Account. He then stated he would transfer me to the Fraud Dept. I waited to speak with someone who asked for my personal information again and said he could only see my information if I give him my birthdate, social security number and zip code even though I have an Experian Membership. I refused because he didn't sound legitimate. I called again and got the Dispute Dept who said the same thing. She said she needed the information for a Dispute. I asked to be identified by my Membership ID or some other way and that I was told by the Membership Dept that she only needed my middle initial or name to identify me. I explained that I have been a victim of Identity Theft and Fraud and I didn't feel comfortable giving that information over the phone, but I did give her everything she asked for except my birthdate. She stated she was not able to pull up the information with anything except my birthdate. I called the Membership Dept again and spoke with someone who said he did not see anything in the records about what I had been told earlier. I asked for the Fraud Dept. He said he could transfer me to the Dispute Dept. The account has been on my Credit Report from XX/XX/XXXX until XX/XX/XXXX when I filed my first complaint. It was removed after they received the first Complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-14
Company: EQUIFAX, INC.
State: CA
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/2014 Balance : {$6200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

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 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello, I reviewed my consumer reports and noticed that I had a Charge Off account from XXXX XXXXXXXX XXXX Account number : XXXX Reported XX/XX/2021 on my Transunion consumer report. Consumer Reporting Agencies have : assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy.The IRS Clearly defines a Charge Off as Gross or Ordinary income, Income does not get reported on the consumer report. Which in fact makes the reporting of this account inaccurate. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information Prohibition ( A ) Reporting information with actual knowledge of errors 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.

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact.

Prohibition : a law or regulation forbidding something As Defined by The IRS.

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 2023-12-14
Company: EQUIFAX, INC.
State: IL
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:
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.

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: In progress
Consumer complaint received 2023-04-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
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.

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I didnt receive any knowledge of this debt

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I attempted to dispute these online via the application using XXXX, to no avail.I never authorized XXXX, Department of Education XXXX XXXX XXXX XXXX, or XXXX to share my personal information with anyone. This was never a loan. I am aware this entry was merely a creation of numbers and decimals, obtained by my signature. As noted in UCC 1-201 ( 24 ) and UCC 3 ( 104 ). This was a consumer credit transaction. An extension of my own credit, as there has been no real money since XXXX, therefore all debt is XXXX and otherwise the responsibility of the United States. In accordance with XXXX XXXX Part XXXX and the Privacy Act of XXXX, I wish these entries to be removed from my credit report, simply because I did not authorize them. These entries are showing a " current '' report status even though some are XXXX years of age. I did not nor do I now consent to my personal information being shared. It is fact that my signature secured this transaction. Please remove these immediately, as this is constructive fraud. 
Reference # XXXX. There are XXXX total entries totaling {$24000.00}. Transunion, XXXX, and XXXX are not even credit bureaus, they are private agencies playing with people 's lives. Straight 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