BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-12
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: Their investigation did not fix an error on your report

Complaint:
I previously requested that you investigate my Credit File and correct any erroneous information that you may find, But upon checking my Updated Credit Report, I see here that you have done no changes nor updates at all! Let me remind you that according to the XXXX XXXX XXXX XXXX XXXX XXXX, you are required to investigate and update, correct, or remove erroneous information being reported on my XXXX XXXX. You have not complied with the XXXX XXXX and continued reporting the disputed items as if these are verified. Under the Fair Credit Reporting Act, I request XXXX you to please correct my Credit File by updating or removing the following items off from my Credit Report : XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$1300.00} XXXX XXXX XXXX Balance Owed : {$100.00}

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 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
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 : I also states a consumer reporting agency can not furnish a account without my written instruction.

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 2022-11-18
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
On Tuesday, XX/XX/XXXX during my routine car maintenance at the XXXX XXXX of XXXX, I had my car appraised for possible trade in by XXXX XXXX. The service tech that completed the appraisal alerted me that he had to reduce the amount of appraised value due to the XXXX XXXX indicating that the vehicle was involved in an accident in XXXX. I was never given the XXXX upon purchasing the Vehicle nor alerted that the car was in an accident. I had been into the dealer previously on XX/XX/XXXX for maintenance and appraisal through my sales rep XXXX and he did not bring this up at that time either. This was the first time that I was hearing of this, and it is very disturbing and appalling that the dealership and salesperson, XXXX XXXX, withheld this important information from me. This would have affected my purchasing decision when I got the car on XX/XX/XXXX. On XX/XX/XXXX I left a voicemail for XXXX regarding this matter, and I have yet to hear back from him, therefore I reached out to XXXX, the general manager to resolve this matter. 

On XX/XX/XXXX XXXX reached out at XXXX XXXX. and at first offered to buy the car back for XXXX when I still owe XXXX. That would leave me with XXXX in equity out the door. I informed him that this would not be acceptable and restated what I asked for in my initial email to the dealership. My resolution would be my downpayment of XXXX dollars back as well as the XXXX worth of payments I made since acquiring the vehicle in XXXX. He stated that was not possible along with stating that he was unsure why the appraiser had put emphasis on the XXXX XXXX  as well as the fact that my trade in was lower because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
this issue have been going on with all 3 bureaus for more than 2 months. I am constantly asking for a method of verification and the bureau always send me a letter saying a company has verified the information is correct. What company and what documentation have they supplied you with. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Also, Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. They send me this same message back for the 3 items I have been disputing but no verified documentation. There are 2 bankruptcies and a collection from diversify accounts which is not mine. 
They are sending you all information saying an unauthorized party is requesting information which is not true. They are not addressing the issue with you all or with me. This is the message they are giving you all This complaint lists someone the company does not recognize as their customer or their customers authorized representative. 
I am my own person and I am the one who has been requesting the information. My next step is legal and the attorney general office.

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 2023-04-13
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:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-07-10
Company: EQUIFAX, INC.
State: NC
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 want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21
Company: Experian Information Solutions 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:
This is my multiple requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17
Company: McCarthy, Burgess & Wolff, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Received a phone call from XXXX XXXX saying he was with a third party trying to collect a debt to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX Their internal reference. # XXXX. He claimed to represent the firm McCarthy , Burgess , & Wolff. gave telephone number XXXX Ext. # XXXX. Their address XXXX XXXX XXXX, XXXX, Ohio XXXX, email : : XXXX I went and reported this to my credit union bank rep. He told me it sounded fraudulent to him and gave me info to report to FTC fraud dept. I have never lived or visited Illinois and have lived in Virginia all my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 requested the correction of inaccurate information which another credit reporting agency found to be inaccurate. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the account that must corrected. 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 2021-09-14
Company: MIDFIRST BANK
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This is not the first time my sister had wrote on this mortgage. 
Attached is where I and my deceased mom had purchased the house approximately over 30 years ago. When she passed I obtained Attorneys who wrote many charges that does not seem to be correct because I never left the property, nor have I ever seen anyone nor my sister, neighbors or anyone.

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 2023-07-26
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:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2022-06-03
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
XXXX Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, SC XXXX n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-07-28
Company: Upstart Holdings, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I have had many concerns with the company called UpStart. UpStart loaned me money for used vehicle, XXXX  XXXX XXXX to be exact. During my terms of agreement I have paid all payments on time and concurrent with those payments. 
It was recently deemed total loss and covered by my insurance with regards to payout. Along with XXXX if any differences. 
My concerns with UpStart have been brought to their attention and they refuse to address these concerns. Such as ; contract, agreement, UpStart written policies, site navigation ( blocked ) changes made, entitlement, payments, personal data collected and shared, refinance, prior to accident. and why your company refuses and avoids an answer to my concerns. As none of my concerns were given a definitive answer. 
The answer i did receive were to check site for policy. However, I am blocked. And they wont remove this blocking of site. Regarding payment as they have stated both thank you for my payment and that I am late of X amount of days. Title already passed on without consulting with me whatsoever. Also to add my XXXX XXXX is not complete with their official outcome. To allow some leniency or pause account as I am waiting on XXXX XXXX XXXX XXXX so that I may have an amount to say what is left if any! 
As to why UpStart stats as Owner of the vehicle I do not have rights to the remains. the response I received was that they dont allow the owner to keep remains. There site stats data collected and share of my personal information and that I may request this information shared. 
They would not provide this. Refinance prior to accident. As they told me they do not refinance when there site clearly stats they do. I have had many concerns with this company and none of my concerns have been addressed or answered. Not a single question or concern. And its very upsetting and frustrating when I have made sure I made all payments on time with them and holding up to my side of our agreement. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
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: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm 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 30 days gives a reason to immediately remove those items from my credit report it has been over 30 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 caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and XXXX have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: LEXISNEXIS
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called LexisNexis several times today XX/XX/2022 to file a dispute. The representatives started taking my dispute and when it seemed to be too many items, conveniently after being on hold for 2 hours said she could no longer process my dispute and transferred multiple times until I was eventually hung up on. Their website does not allow for consumers to create an account to dispute. I am at my wits end simply trying to get a dispute filed with the company with no clear direction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: EQUIFAX, INC.
State: SC
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:
CFPB Complaint on complaint number XXXX Equifax is now in violation of 15 U.S. Code 1681c2 Pursuant to 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of-

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 privacy and confidentiality under 15 USC 1681. 
XXXX # XXXX, XXXX, # XXXX, XXXX XXXX XXXX  # XXXX, XXXX  # XXXX, XXXX # XXXX. 
15 u.s.c 1681 section 602 A. States I 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 Report containing any the following items of information other then records of convictions of crime which antedates the report by more the 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 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 2021-04-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I'm attempting to unfreeze my credit through Equifax. 3 days ago, on Sunday XX/XX/XXXX, I unfroze my credit through Equifax 's online portal. I got the confirmation on the screen to show the lender I was with. 

Today, I received a call from the lender that the freeze is still on my account. I tried to unfreeze it using their online system, but it isn't working. When I called the number on the site, the customer support employees said that the site was down and was unable to fulfill my request. Or help me. 

This is unacceptable for one of the three major credit bureaus can't unfreeze my account. Or that their site can be down for any length of time. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I normally only use Wells Fargo Bank to pay my car loan and personal loan. Both are almost paid off. I needed a cashier 's check to pay state taxes and my depositing bank is out of state. So I and my husband sent funds by XXXX and check to the XXXX account on XX/XX/22 and early morning ( XXXX AM ) on XX/XX/22. I sent via XXXX {$1500.00} on XXXX and {$1500.00} on XX/XX/22. Two checks from XXXX for {$700.00} and {$6000.00} were deposited on XXXX. About XXXX on XX/XX/22 XXXX and I went to Wells Fargo to get the cashier 's check. I went inside the bank and was able to complete the transaction to obtain the cashier 's check and then go to the post office. 

Today, when I went online to pay my car note I saw that I was {$6000.00} overdrawn. When I called Wells Fargo I was told that the funds hadn't cleared from XXXX 's ( my husband ) account. But, his bank indicated that they had. After asking for a supervisor, I was told again by the supervisor that the funds weren't available. When I asked why this wasn't caught when I physically went into the bank and it should have showed on the bank teller 's screen that my funds would have been insufficient for the amount, the supervisor admitted that " yes, that's true, but... 

I'm upset, and frustrated. I don't feel I'm being treated fairly with this and that this should be corrected on their end. The funds have been disbursed and I should not have to pay overdraft fees, etc... This is not the first time I have felt dishonored by Wells Fargo. When Wells Fargo learned in a phone conversation I had with a supervisor XXXX XXXX years ago that I had changed my depositing bank from them to my present out of state bank, the woman on the phone became haughty and immediately changed the terms of my loans. She didn't even state what the changes were being made. But, I saw where the amount of the personal loan had changed, I don't recall about the car loan. That's why just as soon as the loans are paid off, I am telling them goodby.

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 2022-06-02
Company: ALLY FINANCIAL INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
The car was repossessed and sold around XXXX of XXXX and sold for more than what the car was owed and tis loan is still showing as a charge off on my 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 explanation