BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-16
Company: Experian Information Solutions Inc.
State: VA
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 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 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$390.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$690.00} ; XXXX XXXX XXXX XXXX XXXX {$830.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5300.00} 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 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 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 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 2016-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
THIS COMPLAINTS INVOLVES MY CREDIT SCORE FROM TRANSUNION CREDIT AGENCY. EACH FRIDAY I CHECK MY CREDIT SCORE ON XXXX. ON XXXX XXXX, 2016 MY CREDIT SCORE REPORTED FROM TRANSUNION TO XXXX WAS XXXX. WHEN I CHECK MY SCORE THE FOLLOWING, XXXX XXXX, 2016, MY SCORE HAD FALLEN TO XXXX. 
I CONTACTED TRANSUNION AND THEY INFORMED ME MANY FACTORS PLAY A PART AS TO WHY MY SCORE MAY HAVE CHANGED. I INFORMED THEM THAT NONE OF THOSE FACTORS HAVE ANYTHING TO DO WITH MY SCORE, AS MY OUTSTANDING DEBT TO MY AVAILABLE DEBT RATIO, HAD ONLY CHANGED FROM 26 % TO 30 %. AND THAT SHOULD NOT HAVE AFFECTED MY SCORE SO DRASTICALY. THAY COULD NOT GIVE ME AN ANSWER AND WOULD NOT ALLOW ME TO OPEN A DISPUTE. ANY ASSISTANCE YOU MAY BE ABLE TO HELP ME RESOLVE THIS ISSUE IS GREATLY APPRECIATED. I HAVE WORKED VERY HARD TO GET MY SCORE AS HIGH AS POSSIBLE AND AT ONE POINT HAD 89 % OF MY AVAILABLE CREDIT OUTSTANDING AND HAD THE SAME SCORE AS I CURRENTLY HAVE. MY AVAILABLE CREDIT IS {$9100.00} AND MY CURRENT OUTSTANDING DEBT IS {$2500.00} MY EMAIL ADDRESS TO RESPOND TO THIS COMPLAINT IS REGARDS, 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 2016-06-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
This Agency has continued to report inaccurate information on my report even though they know its not accurate.I have complained to them reapeatly but nothing has been done.

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 2023-11-27
Company: Grain Technology, Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was just notified from XXXX that Grain removed the late remark from XXXX and added a late payment to XXXX. See attached. Also Grain has reported late payment to XXXX as well. I need an immediate answer to see when this will be resolved. You guys are literally ruining my credit. I paid off my account last year and here it is XXXX  and you are still saying I have a XXXX balance. Insane!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: REGIONS FINANCIAL CORPORATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I was attempting to buy tickets for a concert in XXXX on Tuesday, XX/XX/XXXX, XXXX XXXX were playing. I was trying to buy tickets off XXXX the day of the concert, which I've done in the past. Someone agreed with me to sell the tickets at a reasonable price, two for {$240.00}. The seller wanted to do the transaction via XXXX, I never used XXXX but presumed it was safe because it was linked with my bank. I attempted to transfer the funds to the Seller at the email address XXXX, but the transferred failed to go through due to an error with the Seller 's XXXX account. I usually would have been alarmed by this but the seller was incredibly pleasant and immediately suggested we use his wife 's account at XXXX and he gave her name as XXXX XXXX. The fact the account was already set up and he provided a full name that was associated with the XXXX account reassured me to send the money. I sent the money and texted the seller if his wife had received it, he said they could not tell. I noticed that the XXXX transaction stated it was received so I asked again and the seller told me to simply hold on because he was out work. I got very frustrated after ten minutes and proceeded to repeatedly call the Seller, but the Seller did not pick up. It appears the number is still in operation, I tried calling it from an unknown number today but no response. The seller 's number is XXXX I called my bank, Regions, the next day after it happened to see if I could get the transaction blocked. The Regions representative was nice and sympathetic, he told me that they should be able to block it and that it would take 3-5 business days. I made this call on Wednesday, XX/XX/XXXX. I received a peculiar notice ( attached below ) that the regions disclosure statement and agreement for electronic banking services had been amended on XX/XX/XXXX. Interestingly enough, the amendments were primarily to the section regarding XXXX and other payment services. Section 7 covering refused and returned transfers was amended, the section now states that Regions will use reasonable efforts to block prohibited transfers and return funds. I'm curious as to what the section said before. Nonetheless, I called Regions on Wednesday, XX/XX/XXXX because it had been 5 business days and they informed that my funds could not be returned because XXXX does not have a fraud prevention policy when the transfer was authorized by the user. I felt betrayed due to my belief that the transfer was through my online banking portal it would be safe and that Regions would prevent or reverse any fraudulent transaction. I was sketched out about the curiously timed amendments and by the fact that Regions did not contact me when they knew my funds could not be returned.

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 2023-01-10
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 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 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 2023-01-09
Company: SANTANDER HOLDINGS USA, INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This is my first dispute regarding Santander. Santander is reporting an unlawful repossession on my consumer reports. I sent a request for all the documents they have in their possession pertaining to this unlawful reporting. I was not provided everything. I did not receive the Commercially Reasonable Manner of the Transaction letter, I did not receive the XXXX disclosures that all financial institutions and XXXXne of this is the disclosure of institution privacy policy. According to 15USC 6802 a financial institution may not disclose nonpublic information to nonaffiliated third parties and i did not sign anything and it wasnt provided with the documents santander sent. Santander has repeatedly violated the FCRA and my consumer rights and now I am demaning this unlawful repossession be deleted from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: Experian Information Solutions Inc.
State: VA
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 value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX : {$1900.00}

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 2023-08-13
Company: EQUIFAX, 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:
under federal law 15 U.S.C 1681 section 602 A I have the right to privacy 15 U.S.C 1681 section 604 A section 2 states that a consumer reporting agency can not furnish info on my accounts without my written instructions. 

XXXX Equifax XXXX All 3 of these reporting agencies have posted on there sites about a XXXX XXXX XXXX that I have not given written permission to do so and are violating my federal right to privacy and I would like that report removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
well XXXX month ago I found out a car that I co-sign for was very delinquent so contacted the creditor a settlement they refused and demanded full payment I did not have XXXX so I felt I should do the right thing and make payments because after all I did co-sign for the loan. The payment is XXXX which I do n't have and it has really put a undue burden on me. I wait for XXXX month and requested the creditor to update their credit files, because the report is now showing inaccurate balance and this is very misleading informationI, I was told the only way they will update any payments to this account if it was paid in full. ( balance ca n't be correct ) therefore i had no choice but to requested Transunion to remove all the inaccurate and misleading information from my credit report these inaccurate details have adversely affected my credit worthiness and hampered my chance of acquiring new credit. Under the provisions of the Fair Credit Reporting Act ( FCRA ) I demanded transunion to re-verified and removed the inaccurate information. I provided them with prof of payments. I continue to send payment each month. They refuse to remove the inaccurate information this is damaging me severallythis is clearly a violation of the FCRA credit reporting act I provided prof of payment and the creditor is still saying owe the same amont of money there is clearly something wrong herethere 's discrepancies in the amount owe therefore by law it should be removedfor the according to the FCRA it should be totally removedthe company can not refused to update clients account if they are receiving payment this does not comply with the laws they are in total volition of the laws of the Fair Credit Reporting Act

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have been in the process of disputing an account on my credit report that was sent to XXXX XXXX XXXX XXXX # XXXX, XXXX. XXXX XXXX, XXXX . XXXX XXXX XXXX, XXXX, SC XXXX ( XXXX ) XXXX. They have Re-Aged this account from the Date of First Delinquency ( DOFD ) which was XXXX. My attempts to settle this matter with TransUnion have been unsuccessful. My attorney at XXXX XXXX ( XXXX ) XXXX sent a letter to TransUnion with no success. All the CRA did was send me a copy of the account that remains on my credit report stating it was placed for collection on XXXX/XXXX/2014. After I received this I contacted TransUnion to inform I would like a copy of my Consumer Disclosure File, which I am entitled under Section 609 ( a ) ( 1 ). This is a more comprehensive report which will show the complete history of my accounts. I spoke to the supervisor, by the name of XXXX, who stated that there is no such report and I am not entitled to it. I understand that is illegal for them not to provide this to me. I have also filed a complaint with the State Attorney General 's office in California. I would like resolution concerning this matter. TransUnion needs to immediately remove this from my credit report. I also feel they should be fined for this illegal activity.

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 2015-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Account was paid and closed, but still remains on all three major reporting bureaus. Even after I requested for the removal of these items, they still remain and are damaging to my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: ALLY FINANCIAL INC.
State: TX
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
We leased a XXXX Jeep Grand Cherokee through Ally Financial on XXXX XXXX, XXXX. We were told by the Finance Manager at the dealership to sign the Lessee 's Affidavit of Primary Non Income Producing Vehicle Use. He would complete and submit this along with all other necessary paperwork to Ally Financial. All appeared to go through because the vehicle was " funded '' by Ally and we received our payment schedule. We received a letter dated XXXX XXXX, XXXX that we owed {$670.00} ( XXXX Country Property Taxes - {$330.00} and XXXX XXXX XXXX Property Taxes - {$340.00} ) for XX/XX/XXXX and because we failed to file another affidavit by XXXX XXXX, XXXX, we would owe this amount for XX/XX/XXXX as well ( for a total of {$1300.00} ). This vehicle is not nor has it ever been a commercial or income producing vehicle. We completed a XXXX affidavit ( on or about XXXX/XXXX/XXXX according to Ally records ) because we were told the first affidavit was not completed completely by the dealership, XXXX XXXX XXXX XXXX XXXX. This is the XXXX vehicle we have leased for personal use and this is the first time we have been billed for property taxes. And we are being told that we have to pay this even though we did as we were required at the time of the initial lease. We have provided all of the necessary documentation and these charges are erroneous and flawed. We have written Ally ( return, receipt requested mail ) demanding these charges, current and future, be removed from our Ally account immediately We believe the error lies between Ally Financial and XXXX XXXX XXXX but we are told by Ally that we must pay - no exception.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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, XXXX was named in a multi state lawsuit for providing higher interest rates knowing the person couldn't pay the loan back! I am a victim of this and sueing XXXX in another lawsuit related to this! XXXX is taking advantage of people ; my car was repossessed because of this! I'm struggling financially because of this and its holding my credit back. That's against the law and I'm demanding XXXX to be removed from my XXXX, TransUnion and XXXX credit reports asap!

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 2015-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This company ( XXXX XXXX ) that has a collection out on me {$410.00} failed to submit balance to my XXXX XXXX company, I do not owe this to them!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-08
Company: Eastern Account Systems of Connecticut, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a phone debt for my mother in law for XXXX. She passed away on XX/XX/2022. We attempted to contact them to close out the phone & settle up the bill. We needed a PIN before they could talk to us, which we had no clue what it was. They said they would need to mail us the info that we would need to provide before they could do anything. We let them know that there is an 'autopay ' that is being paid to them & that it needs to stop b/c that account had been closed. It was pulled b/c we didn't know the PIN. We were charged a {$25.00} returned payment fee. 

The final bill came for {$88.00}. Being that we owed {$63.00} for her existing service, we paid it but did NOT include the {$25.00} charge. We tried calling them to have them reverse the fee b/c the charge came in well after she had passed away, but we were told 'it 's a computer-generated fee ' & refused to waive it. We paid the {$63.00} only. 

For one, this is not our debt. Two, they charged {$25.00} for a deceased account when we had tried to clean up everything & wouldn't work with us, even though we had the XXXX XXXX. Three, it was for a returned check fee & they even though they can see how everything went down, refuse to waive it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: ENOVA INTERNATIONAL, INC.
State: DE
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I received an email stating that I was declined for a loan from NetCredit.com because they could not validate my information. I did not apply for this loan and received no funds. I reached out to them to notify them of the fraud and to deleted the account and rescind any credit reporting they may have submitted to the bureaus. They immediately declined and told me I had to submit a police report before they would take any action ( they even asked me to include my current banking account information in that report?? ). They told me that because of their privacy policy, which I consented to when I applied for the loan ( even though I just told them I did not apply for the loan ), they could not delete my personal information ( though obtain fraudulently ). I asked if they could at least provide the last four digits of the bank account that would have gotten the loan, and they have not responded. I just wanted to verify it wasn't a current account. I then simply went on their website, signed in ( after updating the password ), and got the application and the information I had asked for ( that's just poor customer service imo. They could have instructed me to do that on my own ). I determined on my own that the application had very old account and telephone information, and got the IP address the applicant used to apply ( turns out it was from a XXXX XXXX XXXX XXXX in NY. I worked for XXXX for almost 20 years, but left in 2022 ). They have yet to provide me with any assistance and I have escalated my complaint.

Company response to consumer: Closed with explanation