BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-06
Company: Westlake Services, LLC
State: TN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
In XXXX of XXXX I got a car lease through American car center and XXXX XXXX which is their in house finance company. On XX/XX/XXXX American car center and XXXX XXXX ceased all operations and closed down. On XX/XX/XXXX I received an email from XXXX XXXX XXXX  that stating I was to make my payments through them now which I could understand if they bought the company or whatever happened but what I dont understand is XXXX can not provided with any contract or anything stating I legally pay them for a lease I had with XXXX XXXX now. And also in my contract with American car center and XXXX XXXX in states that any modifications were to be made then it would be done in writing and me and the assignee would both have to sign and that never happen. XXXX cant not give me any information besides what my payment is and that they wont be to pay it. Ive asked on serval occasions if I would get a title after I finished and was told they didnt know and then to top it off my they changed my monthly rate and made it to were it will take me at least 5 years longer to pay the car off

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 2022-04-12
Company: Rausch Sturm LLP
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Collection company that purchased old debt from original company. Then filled a lawsuit against me for debt purchase from said company and is not original debt ownership and law firm retained for said lawsuit has contracted a process server that would harass my home that Im not the only tenant in and disrespected and was disrespectful to other tenants is home and would wait outside and walk up to windows and look inside creating a disturbance for other people in 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 2023-02-11
Company: EQUIFAX, INC.
State: SC
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 crediting 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 XXXXXXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A section 2. Also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 USC 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 2023-08-07
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I received a letter from Target TD Red Card around XXXX XXXX of XXXX  advising me that if I do not use the card within 30 days of the letter they will close my account which in turn will effect my credit. I used the card. Since then I have been trying to make monthly payments on my card however there is always an issue. They continue to report me to the credit bureaus however I still not have received one document or notice in the mail regarding late payments, date payment is due. They have not contacted me. The only documents I received from TArget TD was use your card or we will close your account and we are unable to contact you via email, here is paper correspondence I tried calling XXXX XXXX and the last time I got to speak to someone is I apologize that our system didnt take the payment when it should have. We dont contact the credit bureaus when there are errors made in our behalf since the threatening letter to use my card, this account has always given me a problem and every month TARGET continues to charge me fees and reporting me to credit bureau XXXX This card is {$1000.00} card not {$10000.00}. Furthermore they reported me again this month XXXX and XXXX for non payment. I can not get in my account because they want me to verify my card and the card I have is not allowing me to sign into my account to make payments. They shut my card down failed to send me a new card or contact me in writing or verbally to let me know whats going on. I got notified my the credit agency. I cant get a supervisor on the phone, usually its an individual with no clue. I need a new card to be sent with a tracking number, so I can get a card to log in and start making my payments. I dont believe I requested. New card or to have my card turned off. I had a score of XXXX now its at XXXX because of targets {$1000.00} credit. This cant be legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: EQUIFAX, 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:
Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be returned to compliance even should that requisite annulment of item 's reporting. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so. Delete the following accounts XXXX   XXXX****, XXXX ( Original Creditor : 09 XXXX XXXX XXXX ) XXXX**, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX****, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX**** , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX**** , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX**** , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX**** , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX****, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX****, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX**, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX****, XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX ) XXXX****, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX****, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX**** , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX****, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX****, XXXX XXXX XXXX XXXX**, XXXX XXXX****, XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
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:
I have been disputing with TransUnion for several months about the bureau having 3 different files with my revolving and installment accounts spread over those three files. Yet only one set of accounts is viewable to my creditors and me. I have been denied credit, or otherwise unjustly been given higher interest rates due to TransUnion not reporting my full history properly which creditors can see under one file. This has also reduced my creditworthiness in the eyes of my creditors.

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 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I contacted XXXX XXXX to determine why they placed an account on my credit report and damage. My report in the account was already paid on XX/XX/XXXX this account was paid in full.

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 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 explanation
Consumer complaint received 2020-03-23
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I had an account that I was always current on until unforeseen circumstances happened. I then kept paying even though I am on limited income due to being taken off work and ongoing debilitating medical issues of my own. My husband is XXXX XXXX   XXXX veteran and civilian and we do not need the harassment. I made the mistake of ordering family items from this account who promised to help me pay down the debt however they did not. I lost my mom and had to also assume her financial things. I continually kept the company abreast of what was going on because I had always been current. I VOLUNTARILY closed the account and continued to pay The last few months I have been having ongoing medial issues and not been able to pay my usual payment but will be resuming that as I can. I had one collection agency contacting me about this debt, then another even though when I sent payments directly to the company they still cash them-it says right on the cashed check. I want the collection companies to stop threatening me and my family, who are on limited low income of disablility, with a judgement. My credit report says that the debt was written off and the company no longer collects but they do cash the checks for the debt but they do not update my credit report of the payments to help me, just take the money, say they are going through a collection agency and not report my payments so it looks like on my credit report that I have not paid in years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. 

Account Name : DEPTEDXXXX  Account Number : XXXXXXXX  Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to express my deep concern and dissatisfaction with the recent update to my credit report, which I have thoroughly reviewed. Despite receiving an updated copy, I was surprised to discover persistent errors and inaccuracies. This situation is particularly troubling for me, as I am currently facing challenges in securing a new line of credit.

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 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/2022 they have stole my identity. I have uploaded a court document. They also said they verify this information by the court.

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 2021-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To Whom It May Concern : On XX/XX/2020, I sent a letter requesting that you reinvestigate or delete disputed items from my credit report as well as place temporarily remove these items from my report during the investigation period. As of this date, you have failed to respond to my request. A copy of my original letter is attached for your review. 

The law stipulates that you must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. You have not followed the stipulations of the law. 

I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the disputed items from my report immediately as you failed to comply with the law. Otherwise, I will contact the Federal Trade Commission and advise them of your apparent disregard for consumer protection laws. 

If you have any questions or need additional information, please contact me at the address noted below. 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: EQUIFAX, 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 recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : XXXX  Inquiry Date : XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received a hard inquiry on my XXXX credit report. I did not authorize this inquiry nor have I applied for any product or service with Capital One Bank USA. I do not know how or why my personal information might have been used to release this report. I called Capital One Bank USA to investigate the inquiry and determine if there were any accounts created under my name. It appeared that there were no accounts created with my birthday, social security number and name. I do not believe a thorough check was conducted and I would like to have my personal consumer information protected. I am submitting XXXX screenshots of interactions withXXXX regarding the unauthorized credit inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-20
Company: LEXISNEXIS
State: AR
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:
LEXIS-NEXUS IS UNLAWFULLY FURNISHING PUBLIC RECORD NO.XXXX ON MY XXXX  IN ERROR AND HAVE DISPUTED SINCE XX/XX/2018. SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: Synovus Bank
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions. -Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a Lowes account and noticed only today that for the past year, I have been charged a {$40.00} late fee every month, even though My payments which are always higher than the minimum payment, are paid automatically on the due date. 
When I called to ask that the fees be reversed, I was told that it is tough luck because that is their policy. Also my due dates have been randomly changed by their system. 
This is nothing short of fraud and extortion! 
I am a senior Widow on a fixed income and I can not afford this. 
I also wonder how many other card holders they are scamming in this way. 
My account # is XXXX The payments go to Syncrony Bank Lowes XXXX XXXXSYNCB XXXX XXXX XXXX XXXX TX 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 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  an unauthorized inquire.. 

XXXX XXXX XXXX XXXX XXXX  an unauthorized inquire.. 

XXXX - XXXX an unauthorized inquire.. 


In accordance with the Fair Reporting Act...

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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