BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-16
Company: EQUIFAX, 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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: TekCollect 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: Account information incorrect

Complaint:
In XX/XX/2018, Tek-Collect , Inc. ( on behalf of XXXX XXXX ) reported a negative collections account on my credit reports. I paid this balance in full months before in XX/XX/2018 before it was sent to the collection agency. I tried working with the XXXX XXXX several times on this matter - at one point they confirmed that the amount was paid in full and that they would contact the collections agency to confirm that the account should be closed. I even tried calling Tek-Collect, Inc. and left several messages but never received a response. Eleven months later, I am still dealing with this as it continues to show up in my credit history. I would like this removed entirely from my credit reports and want confirmation from XXXX XXXX and Tek-Collect, Inc. that this matter is settled in full.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the TransUnion and XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX Balance Owed : {$11000.00}

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 non-monetary relief
Consumer complaint received 2023-06-14
Company: United Group Inc.
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I purchased a vehicle on XXXX, XXXX, XXXX after being in an auto accident on XX/XX/2023 and finally being paid out for my car. I found a vehicle through XXXX XXXX XXXX XXXX in XXXX, OR that I was pretty sure I wanted after speaking with the salesmans wife via XXXX messenger for a couple days. On that Friday the XXXX, I took my XXXX XXXX XXXX and XXXX XXXX XXXX in a rental vehicle for the 2 hour drive to see the vehicle. We arrived at the car lot around XXXX. I test drove the car and decided so was going to buy it. One of the salesmen there discussed my down payment amount as he entered my information into a computer and discussed what he was doing with the sales manager. I told him I wanted to put {$2000.00} down on the vehicle and if I absolutely had to then I could put {$3000.00} down. He said with {$3000.00} down my payments were going to be about {$300.00}. I told him that amount was too high for me. He stated because it was a Friday and the evening that the amount could change since he is unable to get final approval from a finance company due to them all being closed. I then went in with the sales manager while my XXXX kids were destroying their office and went through the paperwork. He said that my payments were showing {$300.00} but once they got ahold of the finance company then they would have the for sure amount. So they took my {$3000.00} and I left with the new car. I then did not receive any notices from XXXX XXXX in the mail only a text that said everything was taken care of. I then a few weeks later received a notice from United Finance in XXXX, stating that my loan contract had an error and that they were changing my payment due date to the XXXX of each month and I needed to sign that paper and send it back. Then I received a notice that I needed to provide my insurance info to them. I was never told that United Finance was the company financing my car sale. I received no notice or contract showing the terms of my loan with their company being named on it. No address/email/website to submit my payment to. No account number. They then put my vehicle in to be repossessed but I dont have documents showing that they are named anywhere as any part of my financing, when I talked to them they said they hadnt heard from me except when I sent them messages in their website under their contact me tab, but she stated that their company has no email, and they couldnt respond to my messages. I then asked for them to provide me with a bill showing the total amount due on my account with my name and account number and whom I was submitting my payment to and they said that they dont provide that. So Im supposed to blindly send money to someone who wont even provide me with a bill and no I have no vehicle since it was repossessed and taken to a holding lot 3 1/2 hrs away.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 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 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 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 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 2023-06-14
Company: CARD Corporation
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I was arrested on XX/XX/XXXX and wasn't released until XX/XX/XXXX while I was incarcerated my XXXX check was deposited into my account. When I was rested on the day of the XXXX the police did not let me secure my father 's car, my wallet, or mine and my wife 's cell phones. While I was incarcerated my father 's car a long with all the items in the car or stolen when I got out on the XXXX of XXXX it took me a couple days to get another phone and that's when I found out that my money was fraudulently taken I made a report with card.com and on XX/XX/XXXX they credited my account telling me that they had completed their investigations and that there was discrepancies found then a month later on XX/XX/XXXX my XXXX check was deposited and my account was at a XXXX balance I contacted them on the XXXX of XXXX to find out where my money was and they hung up on me then I called back and asked to speak to a manager and he told me that the money was taken because there was no discrepancies found. I sent them a copy of my incarceration letter and they refused to reverse the decision I made a complaint with the better Business bureau also and they refuse to hear my case or make any changes I thought that this was all I could do but a friend told me about consumer protection agency because I was telling him about what happened and I never received a call from the investigation team or any management I even tried contacting the CEO of the company to have him reverse the decision because of my sufficient documents supporting my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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'm XXXX XXXX XXXX and 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. 
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 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 2023-06-05
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: Information belongs to someone else

Complaint:
On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXXXXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$450.00} XXXX XXXX Bankruptcy Date Filed/Reported : XXXX Reference # : 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 2021-02-17
Company: AXOS FINANCIAL, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Please see the below timeline : XX/XX/XXXX : Initiated mortgage process with Axos Bank ( signed initial disclosures ). XXXX  closing was in XXXX. 
XX/XX/XXXX : Have had numerous delays up to this point simply because Axos employees forgot/failed to process the submitted documents. They simply don't read emails or pick up their phones. On this date, I sent a correction email to the bank because they made an error in the closing disclosures with regard to local tax escrow. This tax payment is due XX/XX/XXXX, and should have been part of the prepaid portion of the mortgage. Email communications are available at your request. 
XX/XX/XXXX : Mortgage was funded. 
XX/XX/XXXX : I received a letter from the XXXX XXXX  XXXX that the property taxes were not made. 
XX/XX/XXXX : I tried calling several numbers/sending secured message via Axos website/using online chatting services on the website. No response received. 

First, I do not want to bear late fees, because it was a failure by the bank. They should bear this fee and resolve this issue ASAP. Second, I do not want to escrow insurance and tax payments. I did not have other options because they said that rates will be higher if I opt out from escrow. Now that I see they are incapable of servicing loans, I do not wish to take my chances. LASTLY, I want the CFPB to take measures so that the bank will have capable employees to respond to these types of issues. I should not have to make complaints to the CFPB in the first place. My experience has been horrible and I do not wish anyone else to go through this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15
Company: ALLY FINANCIAL INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
On XX/XX/2019 I received a letter from Ally Bank Lease Trust advising that after initially approving our auto lease on Sunday, XX/XX/XXXX they are choosing to deny the financing due to additional credit information later pulled from a company called XXXX XXXX XXXX. My credit score based on XXXX  was XXXX and according to XXXX was XXXX. The most unacceptable and I find that has to be unlawful toward consumers is retracting a loan weeks after approval based on a credit report that I did not authorize. Along with that at this point a month out from initial loan inquiry my credit score has dipped due to new debt this auto loan created and multiple credit inquiry hits. I have also paid fees to the dealership that can not be refunded. As a consumer I find it has to be illegal to perform these reports after initially approving loan. Should I have to return the vehicle or seek out alternative financing now I will not qualify for rates I would have a month ago. This has put me in a financial situation that should never been acceptable. If they wish to use XXXX XXXX then they should be pulling this information at the dealerships along with 3 major scores. We signed a contract and it was approved.

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 2022-12-01
Company: EQUIFAX, INC.
State: IN
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 Account ) XXXX XXXX ( Account ) XXXX XXXXXXXX XXXX ( Account ) XXXX XXXX XXXX XXXX ( Account ) XXXX XXXX XXXX ( Account ) XXXX XXXX XXXX XXXX ( Account ) XXXX 15 U.S.C States I have the right XXXXo 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.

15U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S. Code s 1681n section 1 ( A ) ( B ) : any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been trying to get my account unlocked with Navy Federal, I took all the steps they asked me to and they are STILL refusing to give me my money. My tax refund is about to get deposited along with my paycheck i am a single mother with a XXXX year old and this is the only money i have they wont give me an update as to whats going on or why I cant get my money. If i cant resolve this soon i will not be able to pay my rent and my child and I will be homeless

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within days gives a reason to immediately remove those items from my credit report it had been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cause me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX  ( Date Opened : XXXX. XXXX, XXXX, XXXX : {$0.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, XXXX  : {$0.00}, Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, XXXX  : {$0.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, XXXX  : {$0.00} ), XXXX XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, XXXX  : {$0.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, XXXX  : {$0.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, XXXX  : {$0.00} ). Its been over XXXX days and Experian havent respond to my request as they are required to by the 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 2019-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 filed a direct dispute using XXXX XXXX concerning a matter on my TransUnion credit report. I filed on XX/XX/XXXX and it is now XX/XX/2019. 10 days have passed since the 30 day deadline and I have not received any communication, electronic or otherwise concerning my case.

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 2023-09-16
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 10th 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. 
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 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