BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Due to fraudulent activity with my personal information I am having to go through months and months of back and forth with companies that will not comply with the laws. At this point I am absolutely speechless at how I am being treated with my disputes. I have completed a FTC for the issue and submitted a CFPB complaint before. I have given the company plenty of time to contact me with any results but they have failed to do so. According to the Fair Credit Reporting Act, I have completed my portion by completeing the FTC and CFPB, but still this item remains on my account with out proof of a wet signature. I would like this to be my final time trying to get this issue resolved. Remove the account immediately because the company has had plenty of time to recover and provide documentation. The FTC was filed at the end of XX/XX/2021 and the first CFPB was completed in early XXXX, as a result of being ignored, by these same companies. I have rights as a consumer and these companies must respect that.

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 2019-01-25
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: Account status incorrect

Complaint:
XXXX XXXX listed multiple 30/60 day late payment on my credit report from XX/XX/XXXX and XX/XX/XXXX. This information is incorrect and negatively affecting my credit report. This is reporting on Experian and XXXX. Please remove the 30/60 day late payments from my credit reports.

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 2023-10-31
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I had 3 different hotel transactions done on my cash card with my cash card locked and I keep my card locked at all times that way no one can put transactions through on my card and I did not make the three transactions and don't get how I have my card locked and disabled at all times to keep stuff like this happening and no merchant could of done the 3 transactions that were made on my card due to my card being locked and disabled and the only way they could have happened is if they were taking straight from my account with my account number and routing number and I don't know my account number or routing number let alone for someone else to have it and be able to make transactions on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
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:
CFPB Writeup I sent a letter asking XXXX, TransUnion, and XXXX to investigate my accounts. Here is my tracking number : XXXX. It has been over 30 days. This is the 3rd attempt to fix these issue and response These consumer reporting agencies are in violation. According to 15 USC 1681i - XXXX, TransUnion, and XXXX have 30 days to investigate and send me the results. And They also didnt even record the current status of the disputed information which is another violation. Also the Metro 2 Format connects " reasonableness '' and " accuracy '' as mandated under the Fair Credit Reporting Act ( FCRA ). 15 U.S. Code Subchapter V - DEBT COLLECTION PRACTICES I have all the evidence attach below.and also reference to accounts that fall into these claim

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-30
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
We are closing on our first home XX/XX/XXXX. Today, XX/XX/XXXX, two different mortgage lenders tried to pull my equifax credit report but were unable to. After a bit of research online, others have experienced this same issue and couldn't get it fixed through equifax but could get it fixed through submitting a complaint. 
I am set up to receive an alert from turbo tax once my credit is pulled and received notifications for both instances however the creditors were unable to get a report. 
I signed up with equifax just to check to make sure I didn't have a freeze and I do not. Running out of ideas and need to get this fixed asap. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Bank of America fraud department will not give me my funds back. Someone took my money from my bank account

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 2023-04-30
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
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:
XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX  XXXX XXXX are all showing on a chexsystems consumer report which shows incorrect name, social security number, and addresses these are all stemming from identity theft in which I've sent police reports, affidavits and ftc reports these financial institutions have chosen to violate my rights and not remove these invalid and illegal accounts from thier system after sending proof Ive hired an attorney to take matters to local and federal courts

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 2019-04-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
This fraudulent address is showing up on my credit report. 

XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, F

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-08
Company: Westlake Services, LLC
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2019, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2019, WESTLAKE SERVICE INC add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2023-09-20
Company: LOBEL FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have had a used vehicle with Lobel Financial for almost 5 years. They have received my information for insurance and I have maintained full coverage throughout the entire time. The never verify check that the insurance is still in force before charging an LDW fee on the policy. This has gone on for years. They add this fee onto your regular monthly payment. My monthly payment I make is about {$500.00}. I tried to make my payment this month and it was increased to {$730.00}. It would not allow any payment below. It would not take any form of partial payment. I talked with their representative on the phone which the company has recorded. They do not allow communications via email or give a contact number for anyone. At about 11 days past due I found a representative that was going to resolve the issue by verifying my insurance. They told me they will look into this over the next week to 2 weeks. I asked if I can just make my regular monthly payment while he resolves the issue because I don't want it to harm my credit. He said he needs to resolve it first. He told me to make sure I answer when he calls back so I can make the payment. I confirmed with their employee that while he is resolving the issue, my account would not be reported to credit reporting agencies if it made it to the 30 days past due while they are resolving the issue. He assured me that it wouldn't report to the credit agencies and I would need to make my payment once it is resolve. He did not give me any other options to pay.

Since that conversation 2 and a half weeks ago. I received a 30 day past due on my credit report. I have contacted the company multiple times between then and requested to be put in contact with a supervisor. No supervisor has returned my calls. I was able to have a representative tell me XXXX a supervisor would call me on XX/XX/23 and he did not. I called again today XX/XX/23 and was able to reach him. He said they resolved the insurance issue on XX/XX/23 after I called again. I said great I would like to continue resolving the issue and make my payment without it harming my credit like I agreed to with their representative. XXXX said they will still report it as 30 days past due. He said he doesn't have the power to resolve the issue, and even though the employee agreed to that, they can still report it. He said he will ask the Manager to call me. He refused to give me an email address, or number to them. He also refused to give me a name of who is above them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: Southwest Credit Systems, L.P.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In  XXXX    XXXX   we contacted  XXXX   XXXX  to install service in our home. The technicians they sent us either were too lazy to fix the problems or they were incompetent. Finally after th e Manager  of the local office,  XXXX   XXXX  got involved he personally had technicians come out and get our services up and running. This took a total  of 7-8 wee ks of frustration and consistent calling on our behalf to get it done.      XXXX  gave us a whopping {$30.00} credit for our trouble. We continued to pay our bill but when our contract was up we delivered their equipment to them and and told them that whatever else was owed was on them for our two months without adequate service and sometimes no service at all.     They are attempting to collect the " outstanding balance '' and uses  XXXX  to come after us for it. After we detailed the trouble we had the first two months with  XXXX  they refused to continue collection efforts.  XXXX  now 'sold ' debt to someone else and they are contacting us. We will not stand for this over and over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Multiple inaccurate accounts are reporting on my credit file : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: PA
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, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-04
Company: EQUIFAX, INC.
State: GA
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:
l violated my rights to privacy by reporting my personal information and my private transactions and experiences on my consumer report. They weren't given consent or permission to do so. This is a civil liability violation and penalty can and will be implemented for damages sustained This my third an final time I filed complaint an no response per this complaint number. Failure to respond 5 calendar days will be constituted as your acceptance that the debt is not valid. Please understand verify, validate and document for your records that I AM LEGALLY Obligated to pay these alleged debts. Please be advised that a simple verified will not constitute an appropriate legal nor is it a lawful response. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: General Motors Financial Company, Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a payment arrangement with GM Financial to pay off the remaining balance of my XXXX lease. I paid the balance off in full XX/XX/2021. GM Financial negatively reported 30 days late for XX/XX/2021 and 60 days late of XX/XX/2021. These payments were on time. GM Financial said that there was inaccurate reporting and a discrepancy on my account. I had to send in bank statements showing proof ; even though their records indicated that I was indeed correct. As a result of the negative reports, I had another account close because my score was reduced significantly. I have worked very hard to pay off debts and repair my credit. This has impacted my ability to find and establish housing. This was not my error and it needs to be corrected and rescored. I would like the closed account to be reopened as that was contributed to this inaccurate reporting on GM Financials ' system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: EQUIFAX, INC.
State: NJ
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:
Collection agency reported a debt to All 3 bureaus iXXXX XXXX From a finance company XXXX XXXX XXXX XXXX And after the 7 years of being on my credit report XXXX and XXXX removed the debt but Equifax reinstated because XXXX XXXX COMPANY SOLD THE DEBT TO A Collection XXXX XXXX XXXX XXXX so now the same debt that been on my credit report has been reinstated as a new debt now today that same debt has been on my credit report since 2014 if there is anything that can be done I very much appreciate and thank you in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: TRUIST FINANCIAL CORPORATION
State: AZ
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:
XX/XX/2022 : Refinanced car loan with XXXX. 
XX/XX/2022 : Received letter from XXXX XXXX XXXX stating the title had not been received from previous lender ( Truist/Suntrust ). 
Attempted to telephone Truist/Suntrust . Could not reach a representative after an hour on the phone.

Attempted to log into my Suntrust account to use chat feature. Could not log into account. 
Attempted to establish a Truist account. Could not establish an account.

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 2023-07-26
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The following accounts below are listed as a Charge Off on credit reports. XXXX - closed XX/XX/XXXX - {$2700.00} XXXX - closed XX/XX/XXXX - {$1000.00} XXXX XXXX - closed XX/XX/XXXX - {$530.00} XXXX XXXX - closed XX/XX/XXXX - {$1700.00} XXXX  XXXX - closed XX/XX/XXXX - {$460.00} XXXXl XXXX - closed XX/XX/XXXX - {$1700.00} XXXX XXXX  - closed XX/XX/XXXX - {$3300.00} XXXX XXXX - closed XX/XX/XXXX - {$690.00} XXXX XXXX - closed XX/XX/XXXX - {$230.00} ++ All show as written off 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 2023-09-25
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:
TransUnion, Please see below and attached - I was a victim of identity theft and fraudulent information on my credit report is damaging my ability to obtain credit and needs to be fixed. 

Attached are : my complaint my drivers license, social security card, and address my ftc identity theft report Please have my report fixed immediately.

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 2022-04-28
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX I was encouraged by XXXX XXXX XXXX to come out for a trip to XXXX for a discounted price of {$110.00}. What I did not know is that this was an attempt to sign me up for a timeshare. A timeshare that I was told I would be able to travel anywhere in the world with my family. However, after receiving the timeshare and beginning to pay for it. When I went to setup my first trip I was told I was not allowed to to my preferred destination at all and when I asked when it would be available I was told that they did not know ( this destination was presented to me in my XXXX information and pitched to me by their sales team ). I then paid over {$1000.00} to sign up for the program and then agreed to what I thought was at anytime I chose timeshare ( this was not the case ). I then fell behind on payments which has caused me stress and anguish due to my circumstances at the time and was not given an opt out option. I have already paid a few thousand dollars into a program I was not able to use once, even when I tried. I also do not have the ability to use the timeshare for the entire year of XXXX at all but am still asked to pay HOA fees, late fees, and a monthly fee of {$240.00} where only about XXXX XXXXa month is going to my actual loan. The interest I am paying was not based on credit just a predatory lender that took advantage of a great customer.

Company response to consumer: Closed with explanation