BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-16
Company: ALLY FINANCIAL INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This company is reporting and attempting to collect an alleged {$7700.00} deficiency balance. Please be advised that I dispute the legal validity of the alleged deficiency balance. They are attempting to collect a deficiency balance that I am not obligated to pay. Specifically, they have not provided me with the required notices before disposition of collateral and explanation of calculation of deficiency as required under the law. As per the law, cease and desist all collection activity, including all credit reporting.

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 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer Identities as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION

Company response to consumer: In progress
Consumer complaint received 2022-11-21
Company: EQUIFAX, INC.
State: CA
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 XXXX XXXX XXXX XXXX XXXX XXXX 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, 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Experian Information Solutions Inc.
State: TN
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 XXXX  I notified each of the consumer reporting agencies, the secondary reporting agencies, XXXX, and XXXXXXXX XXXX, that several of the rights given to me by Congress have been violated. No account can be furnished on my credit file without my written permission. I have given nobody written permission to furnish a XXXX XXXX XXXX on my file. I am demanding that they cease and desist any conveying of information directly or indirectly to any person through medium regarding these false debts. I have filed an identity theft report. Being that Im a victim of identity theft, all consumer reporting agencies and secondary agencies must remove and block these accounts within 4 days of being notified. It is past 4 days so they are in violation. Also reporting any account as a charge off is illegal and is considered tax fraud by the IRS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21
Company: EQUIFAX, 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:
Hello -I received information regarding this account from XXXX on XXXX XXXXXXXX The response from the company stated they wanted me to send in information in regards to this account. The account is listed on my XXXX and Equifax reports. It is inaccurate. 
In accordance with the Fair crefit reporting act 15 USC 1681 I ( a ) ( 1 ) ( A ) can you reinvestigate the completeness and accuracy of the listed account below.. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX is reporting an inaccurate charged off account on on my credit reports. I have been disputing this account with the credit bureaus for a while now. How are all three bureaus reporting different things if they are all getting their information validated from the same place? This account is reporting multiple inconsistencies between each bureau. This account is reporting different balances, last active and payment dates. Surely they are not conducting a proper investigation into this account otherwise this account would not reporting very inconsistently. It is the consumer reporting agencies responsibility to report accurate information and they have failed me. It is illegal to report inaccurate information on a consumers reports and I am requesting that this account is deleted from my reports now!

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 2022-05-04
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: Was not notified of investigation status or results

Complaint:
I wrote a letter to Court house and received their response regarding the Bankruptcy Chapter XXXX I have on file stating that they don't report any Bankruptcy to credit bureaus as well as I also received the response from XXXX for reinvestigation that this Bankruptcy should be remove, delete to my credit report ASAP Chapter XXXX Bankruptcy Reference # : 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 2023-06-18
Company: WESTERN UNION COMPANY, THE
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
On Friday, XX/XX/2023 my sister ( XXXX XXXX, the sender ) sent me cash through Wester Union ( a money transfer service ) for an extreme medical emergency! I did not receive those funds in a timely manner, yet they charged her a substantial fee to send only XXXX  within the United States! 

Western Union never released the money and gave us the run around for nearly two days! After several calls to Western Unions off-shore fXXXX XXXX, they could not help us and disconnected each call! 

One of the problems was when making attempts to retrieve the funds they were unavailable to me, and was given the run around on several calls to release the funds! They would never disclose why or how to resolve this Matter, other than have my sister call Western Union over and over all those long days of waiting. 

Three time Western Union asked me for her birthdate and her year! I was suspicious and reluctant to give because this is a lot of fraud and I'm speaking to off-shore personnel that should NOT have authority to her confidential and private information! 

After releasing my sisters date of birth information to Western Union, they still would release the funds at all! And demanded for my sister and myself to call them over and over again with the same request! I had a medical and move-in cost emergency that needs to be paid immediately! 

Western Union created stressful damages to our well-being, failed and refused to disclose their policy and procedures to us prior to taking the money for the transaction! In turn this company created more XXXX XXXX XXXX and felt highly discriminated against us!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: U.S. BANCORP
State: SC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Complaint about the US Bank Security/Identity Verification checking procedures. 
I live in SC. Someone went into a US Bank in XXXX, IA. This person only had a drivers license ( which was not original ) and the last XXXX digit of my savings account #. They did not have their phone with them or their bank card. So with only a drivers license ( which the license was ran through a scanner at the bank which verified the licensed ) ( which was a fraud license ) the person was able to withdraw over {$31000.00} out of my savings account. Only one form of ID was obtained, ( out of state drivers license ) and only had 4 digit of an account #. 
The person got {$7400.00} in cash and had the bank do 3 cashier checks with the other XXXX monies and walked out the door.

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 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Dear CFPB, Re : Consumer reporting agency refusing to remove address and phone numbers.

Isn't true that under the fair credit reporting act, a credit reporting agency has thirty days to investigate my disputes?

I have sent several letters informing TransUnion, XXXX and XXXX regarding inaccurate addresses, the addresses are inaccurate because I've never lived at these locations. I have included multiple forms of identification confirming the correct address. There are also phone numbers that do not belong to me on my credit profile as well. I have not received any response from them, The inaccurate information remains on my credit profile. 15 USC 1681 ( b ) states it is the purpose of this subchapter to require that the consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the CONFIDENTIALITY, ACCURACY, RELEVANCY, and proper utilization of such information in accordance with the requirements of this subchapter. This is the consumer agencies duty to provide correct information. They are violating the law and willfully non-compliant.

Company response to consumer: In progress
Consumer complaint received 2022-09-02
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Refund owed has not been received. Details and assistance not being provided. 

I sent an overpayment of {$4100.00} to XXXX XXXX XX/XX/2022. They claim to have returned the overpayment to me but I have not received the money. When I have asked for detail via the online customer service portal and also via standard mail repeatedly since that time, I have not received the detail requested and I still do not have the money. 

The check sent to them for the overpayment was generated by a third party ( loan proceeds requiring debt payment ). I have contacted that bank and they claim they have not received any returned funds from Comenity for that amount in my name or into the originating account. Comenity first claimed the money was sent via wire but did not provide detail. Then it was claimed to be sent via check, but I have not received it and they have not provided information on whether or not that check has been cashed by someone other than me. There is no one else in my household so if it has been cashed, it has been done fraudulently.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-16
Company: EQUIFAX, INC.
State: OH
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 have been disputing 2 separate accounts on my credit report since XX/XX/21. Since the initial letter that I sent on XX/XX/21, I have sent 3 more letters on 3 separate occasions requesting a real investigation be completed into these accounts. The second letter was sent on XX/XX/21, the third letter on XX/XX/21 and the forth letter on XX/XX/21. I have yet to received a substantial response about these accounts. My last letter I sent on XX/XX/21, I requested the method of verification for these accounts and have not been provided that information which is a violation of my rights with the FCRA. I feel like my request are being ignored. There are clearly errors regarding both accounts if anyone really took the time to do a real investigation. I have the right to complete and accurate credit report. And it is worth mentioning that I was affected by the Equifax Data Breach which is all the more reason that my credit report be completely accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: CCF Intermediate Holdings LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a call about a debt from over 6 years ago. I do not recall the debt. The man on the phone gave me a company name " Buckeye Lending Solutions '' and I said I didn't know it and would it be under something else. He said " I don't know. Maybe checksmart or XXXX. '' He told me they were filing suit the next day if I didn't pay {$1300.00} but if I settled that day, they would expect half payment in full ( {$680.00} ). I asked him to send me proof or information and he said that he would email me confirmation after my payment cleared. 
I said I didn't have that until I get paid ( 3 days later ) He said that was fine but that he had to have a card number to approve it. I, regretfully, gave him my debit card information over the phone. 
I received a call from him 2 days later, reminding me of my payment. I then received another call on my payday, saying the charge didn't go through. My job switched payroll companies and our payday got changed. I was unaware but told him he could put it through the next day. He called me the next day 5 times in 1.5 hours saying my payment didn't clear again - even though I told him I was scrubbed in at work and unable to have my phone until I went to lunch between 11-1.

I called my bank and they had no attempted charges try to go through. He has called me again today but I believe this is a scam. 
I don't recall the debt, but it was a long time ago. He would not provide me with any proof, though I asked. He has harassed me at this point -11 calls! Then I XXXX the " law firm '' ( XXXX and XXXX ) and XXXX said it was just indexed in XXXX of XXXX  - 5 months ago! There is not much information on the website expect what types of debt they handle and one phone number- which just happens to be the only number he gave me or calls from. I have proof of my assumptions. I canceled my bank card but I don't know if this is really a debt I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 604a section 2. It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan for any given purpose.

Company response to consumer: In progress
Consumer complaint received 2023-09-11
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I previously complained to the CFPB about Kia Finance of America on XX/XX/2023 about the harassing phone calls I was receiving regarding a {$140.00} debt on my lease account. I explained to them the situation several times but still received harassing phone calls daily. On XX/XX/2023 Kia Finance responded to my complaint stating that they would waive the amount of the sales use tax assessed and the two late fees attached to this sales use tax. I am now receiving more calls because they have not credited my account which they said they would apply. I started receiving these calls on XX/XX/2023 where I was called approximately 3 times during the day at XXXX XXXX, XXXX XXXX, and then again at XXXX which I picked up because I was now off work. I spoke to the representative and explained that there should have been a credit for my account and she stated that she did see that on my file and told me to have a great day. I then received another XXXX calls on XX/XX/2023 in regards to the debt starting at XXXX XXXX, again at XXXX, and then again at XXXX which I picked up on my lunch. I spoke to the representative explained the situation and asked them to stop contacting me in regards to this debt because it should be taken care of according to my previous complaint. I then received another XXXX calls today XX/XX/2023 starting at XXXX XXXX and then another at XXXX XXXX. I am at the point where I want to take this legally because it is hindering my job performance with the constant calls and distractions.

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 2022-06-18
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
To Whom It May Concern I have recently been informed that there is negative information reported by XXXX XXXX XXXX XXXX, in the file they maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing XXXX XXXX  Bankruptcy & Chapter XXXX Bankruptcy in XX/XX/XXXX & XX/XX/XXXX I challenge the accuracy, compliance and reportability of this listing and I ask for any documents bearing my signature. They all responded back saying they received this information from the United States Bankruptcy Court. So I then sent a letter to United States Bankruptcy Court asking them why they sent this information to the credit bureauXXXX The United States Bankruptcy Court responded back saying, The bankruptcy court does not report or transmit bankruptcy court records or any other information directly to the " Credit Reporting Agencies ''. I am just a little confused why the credit reporting agencies lied for.

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 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Time has already passed but up until now, I havent heard any kind of response from the XXXX XXXX which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-08-22
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:
ERROR CODE BLNK THAT NEEDS TOO BE FIXED BECAUSE I DONT SEE MY CREDIT REPORT PLEASE REMOVE ERROR CODE BLNK

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
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: Problem with personal statement of dispute

Complaint:
So on XX/XX/2022, I submitted a complaint which included the required documents by me as a consumer to initiate a block of information resulting from identity theft ref XXXX. NO where in the FCRA does it gives you the right as a consumer reporting agency to make UP your own rules and tell me to reach out to the lenders directly. You are REQUIRED by the FCRA to remove and block the information. You are now in noncompliance with the FCRA and it is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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, Account name : # XXXX, Account name : # XXXX, Account name : # 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: In progress