BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
On XX/XX/23, I pulled my Trans Union credit report and noticed an unauthorized inquiry from XXXX XXXX. I am writing to complaint on XXXX XXXXXXXX because they have to permissible purpose to pull my credit report and I am concerned with the violation of privacy and the Fair Credit Reporting Act. I do not have an account with XXXX XXXX and therefore they have no right to the information contained in my credit report, I also have not applied for any of their products that would've triggered this pull. 

Trans Union is allowing for companies to pull my report with no permissible purposes. 

Attached is a screenshot of their pull on XX/XX/23 from Trans Union.

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 2023-03-13
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these 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

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 2023-11-07
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-03-13
Company: EQUIFAX, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-20
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-04-11
Company: Kikoff 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX {$5.00} XX/XX/2023 KICKOFF LENDING LLC {$64.00} XX/XX/2023 XXXXXXXX XXXX  {$190.00} XX/XX/2023 XXXX XXXX XXXX XXXX {$1300.00} XX/XX/2023 To Whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 U.S. Code 1681e - Compliance procedures ( 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. 

otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( ie : an original consumer contract with my signature on it ) that you have on file for the account listed above. or a certification from the creditor that certified the accuracy and completeness of the information/account. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the accounts listed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Made a {$20.00} gas purchase inside store. My account was charged {$120.00} my receipt said {$20.00} I contacted the store and was told by the merchant that was not his problem! I was unable to buy my daughter an XXXX dress and unable to purchase groceries. I did not pay at the pump. So why are they holding my money. It's been 4 days. They are still holding my money. The bank said the money was scheduled to be released yesterday but has not as of today 's date. I posted it in my neighborhood app only to find out that this is normal practice. I understand that a hold is necessary when you pay at the pump as was not the case. Please STOP these Gas stations from hurting ppl with financial hardships in my Communities all access this Country!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I call Toyota Corp and they told me at one point the dept that I owe was XXXX, they will settle my account with me for half the amount that was owed. And when I was able to pay my dept. I had reached out and they told me that the dept has been forwarded to a collection agency. The collection agency then said I owe over 15,000.  I told them that the account amount was incorrect and I have proof, which is XXXX a letter from Toyota stating what I owed. they then told me to send them a picture of the letter that I had. ( Which I did ) they then call me back after two days saying that the vehicle has not been sold for the amount that they where looking for that is why the dept went to XXXX I then made arrangements with the collection agency to settle the matter and have it deleted from my credit report. And once they receive the funds. I received a letter from the collection agency, saying the dept was satisfied. But the dept was not deleted from my report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-04
Company: WELLS FARGO & COMPANY
State: MA
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:
WF/XXXX XXXX XXXX is reporting PAID but I see multiple 30 days late remarks and 60 days late remarks which is not true please remove late remarks from my account because it is affecting my scores to badly.

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 2023-04-11
Company: AMERICAN EXPRESS COMPANY
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: Account status incorrect

Complaint:
I have had an American Express XXXX XXXX, during a difficult transition in my life, I fell behind with this credit card. As soon as permissible, I paid this account off in full as agreed. Upon completion of payments, it was agreed that I would regain membership, I had to speak to the CEO of the company via written request because after completing the paper application I never got the membership. After months of correspondence, I am no longer interested in the offer to what was given however I would like to have my status updated with each bureau. It is currently states as " Paid, Charge-Off '', if I understand correctly, Charge Off means " the lender or creditor has written the account off as a loss, and the account is closed to future charges ''. This is not the case because I have in fact Paid this account in it's entirety therefore there was no loss. I have done my due diligence in satisfying my debt and I am asking and pleading to have this status changed as it affects my ability to grow with other lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: Opportunity Financial, LLC
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a garnishment letter from my job for Opp loans for {$1500.00} so XX/XX/20 I paid the entire loan off. My paychecks were still garnished on XX/XX/20 for {$230.00} and XX/XX/20 for {$230.00}. Even though they see the problem they keep giving me the run around about refunding my money. They haven't sent anything to my employer saying stop garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX XXXX  Account name : XXXX XXXX Account name : XXXX XXXX, Account name : 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 non-monetary relief
Consumer complaint received 2023-11-07
Company: Experian Information Solutions 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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 explanation
Consumer complaint received 2023-03-13
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:
I recently received a copy of my credit report and found that you are illegally reporting in accurate, noncompliant, and false information about me. The following alleged account is listed as a collection with a PAST DUE BALANCE OF {$180.00XXXX XXXX XXXX ( COLLECTION ACCOUNT ) DATE ( XXXX XXXX ) XXXX XXXX BALANCE {$3300.00} DATE ( XXXX XXXX ) XXXX XXXX XXXX XXXX BALANCE {$7600.00} DATE ( XXXX XXXX ) This is violation of the FCRA and is also in violation of requisite METRO 2 Complaint Reporting Agency standards. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA METRO 2 COM : LAINCE regulations. I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate compliance and verifiable. I demand that these above-mentioned derogatory items BE REMOVED.

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 2023-04-11
Company: EQUIFAX, INC.
State: CO
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/2022, my credit score dropped XXXX points in which I have no reasoning behind this massive drop in score. I have no defaults, no major problems with my credit, and no issues with credit in general and around that time. 

Equifax, XXXX, and XXXX all told me the same thing on the phone when trying to file a dispute and that is that this is a system generated number and there is nothing I can do to fix this problem since the number is generated by an automated system. 

To this day, I still do not see any derogatory marks on my credit that would cause it to drop by XXXX points at that time and it has been really hard to get my score back up to where it was because of such a large drop. I am not sure how to get this fixed since they all told me that they can not do anything to fix it. 

My social security number was found on the dark web about a year or so ago so once I found that out, I froze all of my credit account but it is possible someone could have still used my social for malicious intent. This is the only possible cause of my credit lowering by XXXX points in just a one month period. Other than that, I would like to submit a complaint to all three credit servicers to try and get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
While I was the XXXX person for the XXXX of XXXX XXXX I was asked to use my financial account to make the purchase of the website. It was a yearly subscription and a 50 % discount. This year I was hit with the full price of the subscription even though I am longer a member of the XXXX nor do I have the access to the XXXX account. I've tried to reach out to XXXX and they refuse to respond. I reached out to my bank and they put a block on my card I didn't ask for, refused to put in a claim, then hung up on me after putting me on hold for XXXX minutes. I am in the negative due to a transaction i couldn't prevent.

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 2022-12-23
Company: Mid-Atlantic Finance Co., Inc.
State: FL
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 walked into XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX And paid a fee to walk away with a used vehicle XXXX the book value was never discussed with me of the vehicle prior to the buy. This car was reported to have a book value of XXXX they set it at {$9900.00} They sold this debt to mid Atlantic the holder of the debt I was not aware that I would be paying XXXX times what the car is worth. The car now has a book value of XXXX i had my car repossessed illegally this morning because I can not afford the high payments on this car XXXX, every other week. They are holding my property for ransom and asking I pay a fee for the belongings inside the vehicle which is my debt cards my wallet. Mid Atlantic has not reported correctly to all three credit bureaus and in the online payment system is blocked right now because of the repossessed vehicle. The online payment says 50 days past XXXX as of XX/XX/23 XXXX XXXX  and just now I logged back in a few minutes later and they are doing some fraudulent charges of upping the fees as I logged back in to see XXXX They are monitoring when I logged in and glitching the system to fool me into changing the fees more then what is actually due. The payment is XXXX, by-weekly and they are changing from XXXX to 51 days in a matter of seconds in their online portal. This is not the first time Mid Atlantic has done this. I have told them that I have a right to recind this contract due to all the fraudulent charges that I have incurred and illegal repossession of this old vehicle that I have paid off since the down payment of the sum of all charges. This is illegal to spike a price of an old car to XXXX times over the book Valu. The place where I first got it where I have the original paperwork from XXXX XXXX and I recently noticed a charge that I never knew about that included charges of XXXX of a shipping fee from pennsylvania to ship the car to Florida at the lot where I got this car from. I never knew of this. They never told me. Right now as I write this letter on the XX/XX/XXXX @ XXXX my car is gone repossessed. Mid Atlantic debt collection company is the most corrupt company around and so is XXXX XXXX where the car came to me from. I did not understand what I was signing initially and I was not given any documents stating my rights that I have a right to recind the contract. Mid Atlantic charging repossession fees of XXXX dollars to pick up the vehicle is illegal and changing the fee online on purpose within a matter of seconds I saw 50 days to 51 days and XXXX. To XXXX. To pay. They have blocked in the system to pay online and its because they want me to pay additional fees of the repossession tow guy place. Mid Atlantic phone number is XXXX ext XXXX or XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: EQUIFAX, INC.
State: KY
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:
XXXX XXXX XXXX Is in direct violation of Fair Credit Reporting ACT 15 u.s.c 1681. This company needs to be held accountable for the violations which has impacted my life in the biggest way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: EQUIFAX, 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:
I recently received a copy of my credit report and found that you are illegally reporting in accurate, noncompliant, and false information about me. The following alleged account is listed as a collection with a PAST DUE BALANCE OF {$180.00} XXXX XXXX ( COLLECTION ACCOUNT ) DATE ( XXXX XXXX ) XXXX XXXX BALANCE {$3300.00} DATE ( XXXX XXXX ) XXXX XXXX XXXX XXXX BALANCE {$7600.00} DATE ( XXXX XXXX ) This is violation of the FCRA and is also in violation of requisite METRO 2 Complaint Reporting Agency standards. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA METRO 2 COM : LAINCE regulations. I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate compliance and verifiable. I demand that these above-mentioned derogatory items BE REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 inquiry does not make sense to me, I think this was not intentionally done. I can not remember it. 
XXXX XXXX  Date of inquiry XX/XX/2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
They're Reporting derogatory payments Plus I've sent dispute letters they fell to remove this issue off all three credit agencies..

Company response to consumer: Closed with explanation