BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 has violated my rights.15 U.S.C 1681 SECTION 602 A.STATES I HAVE A RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 A SECTION 2 ; .IT ALSO STATES A COSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOOUNT 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 2023-03-30
Company: CREDIT ACCEPTANCE CORPORATION
State: NM
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:
Credit acceptance car loan company has reported my payment history incorrectly for over 2 years now. I have never missed a payment, my understanding was to have a one-time payment flipped over to the back of the loan that would have helped me from falling behind during COVID. That is not the case they have reported to all three credit bureaus saying that my payment history is XXXX payments missed with credit report reflecting XXXX XXXX XXXX XXXX plus days late they have completely destroyed my credit due to this false reporting of my payment history. They have not come to a resolution over these facts and continue to report the loan incorrectly also was in still not even a payment behind and with no contact no forewarning came and repossessed the vehicle where we had to come out of pocket almost {$900.00} to get it out that very same day. I have all the documentation showing this. I need this erased completely off of my credit report to be able to even continue with my life and any sort of positive fashion whatsoever.

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 2023-03-05
Company: Avant Holding Company, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have a charge on my account that I have been disputing since XXXX on 2022 and the CC company has done nothing to rectify this issue. I have sent them all the information and still nothing. I have been waiting for a supervisor that they keep promising me they will call me and nobody ever does. This has affected my credit score and I have had to put my purchases on hold because of it. I have filed a complaint withing the company and still nothing. I have made numerous calls to this CC company trying to get this fixed and taken notes every time I speak with a rep. I really need to get this fraudulent charge fixed and removed from my account. The company even went as far as decreasing my limit when I made the complaint against them and then apologized a month later to reinstate it back to the original credit limit because they were wrong but they still have not fixed the original issue. 

This company has still not bothered to reach out to me to get this issue fixed. They have not requested anything and this is affecting my credit score. This has been on going since XX/XX/2022 when it first started. They responded before the 15 days claiming they are still in the process of working on it. I have already submitted all screenshots of how many times I have tried to get this resolved in that time frame. This should not be in process for nearly 7 months after I have already sent them all the info they needed. I will be now filing a complaint with the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, 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:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

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 2023-01-22
Company: Chime Financial Inc
State: GA
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:
I had put an order in on XXXX XXXX for XXXX and my order total was {$36.00} then my XXXX  on XXXX XXXX reached out and told me that my order was canceled and that I would be refunded. I was never refunded. So I want to my bank account on chime and disputed the charge on my card and it worked. But now it took the {$36.00} back out of my account and said my dispute was denied. So I contacted chime and they said there was nothing they could do. I contacted XXXX XXXX and they said there was nothing they could do. They wouldnt even give me a discount I even provided evidence to both of them that my order was canceled but never refunded. They basically stole my money because I never bought anything with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Beginning of XX/XX/2022 I noticed the someone was charging XXXX fares to my XXXX with Bank Of America, this to the tune of over {$13000.00}. It happened within a two week period. I immediately informed Bank of America of the problem. It closed the account and issued a new card for me and my husband. I received the new cards after I had to call several times and talk to mostly incompetent associates. 
On XX/XX/2022 Bank Of America informed me that they had received my claim and asked I fill out a form listing the fraudulent charges. I did so, even copied my statement and highlighted all the charges in question. 
As an aside, within the 2 weeks the fraudulent charges were made ( sometimes XXXX XXXX fares in a day for hundreds of dollars ) the bank never alerted me that something unusual was happening to my account. Neither did the bank alert me when my account went over my credit limit by {$6000.00}!. I asked for an explanation but got non. 

On XX/XX/XXXX, I received a letter from Bank America stating the the bank was issuing a temporary credit of {$13000.00} while they conducted their research in the matter. That credit was never issued. Nevertheless, the bank started issuing credits for individual XXXX charges starting on XX/XX/2022. These individual credits to my account stopped on XX/XX/XXXX, leaving {$7500.00} of fraudulent charges on my account. 

On XXXX XXXX I received another letter from Bank America informing my that my claim had been resolved and they closed my case. There were still the {$7500.00} charge on my account, therefore I started calling the Bank of America Fraud office as well as its claims department. The several associates I talked to agreed with me that this was a mistake and that my claim would be reopened within 48 hours. On my last call on XX/XX/XXXX, the associate assured me that Bank Of America would solve my problem within 48 hours. After communicating with all these people over the telephone and not getting any help I am facing a huge sum of money I am supposed to pay by XX/XX/XXXX. I no longer know who to turn to for help in this matter. Most branches of Bank of America are closed or only open by appointment to conduct routine business, not address my claim. I hope you can direct me to a place where I will get help in this matter.

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 monetary relief
Consumer complaint received 2023-02-20
Company: EQUIFAX, INC.
State: MD
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:
My name is 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Recently, I began taking my credit more seriously and noticed a few items on my credit report that were reporting inaccurately. I have sent several letters to Experian requesting an investigation. Under FCRA, I have the right as a consumer to request and receive a proper investigation. According to 15 U.S. Code 1681- Congressional findings and statement of purpose, as a consumer, I have a right to an accurate credit reporting. I am afraid that Experian has not done so as I have received several stall letters and notification. that my information has been " Verified '' instead of " Updated '' as I have requested several times. I have been seeking a proper investigation and update to " PAID AS AGREED '' of the accounts in question for 4 months now, and it has left me no choice BUT to file a complaint with the CFPB. There are 2 accounts in question that I requested an investigation and Late Payment Update to those accounts : XXXX XXXX XXXX 30 days late. XXXX XXXX - 30 days late In XX/XX/2023, I requested an investigation as I noticed inaccurate information. On XX/XX/2023, I received correspondence from Experian stating these accounts are reporting accurately- which they are not. I sent another letter XX/XX/2023 stating that Experian is violating a few of my consumer rights. During the time of these late payments, this was during COVID which is a result of a billing error. According to 1681s-2 ( a ) ( 1 ) ( F ), which was added as part of the CARES Act states that this provision requires a furnisher to report the credit obligation or account as current during the COVID-19 pandemic, unless the account was delinquent before the accommodation. I provided this information and in response, I received that the information on my credit report is accurate when it is inaccurate. My consumer rights have been continuously violated for the past 3 months with no resolution. On XX/XX/2023, I receive correspondence from Experian stating that I the information has been verified without properly investigating my credit report versus the laws that have been violated. This has left me no choice, but to file a complaint. In response, I would like the following accounts to be updated to PAID AS AGREED. Please update the following accounts to " PAID AS AGREED '' XXXX XXXX  - 30 days late XXXX XXXX  - 30 days late In response, I would like the following accounts to be updated to PAID AS AGREED. 

Please update the following accounts to " PAID AS AGREED '' XXXX XXXX  - 30 days late XXXX XXXX  - 30 days late

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 2022-09-01
Company: Experian Information Solutions Inc.
State: WA
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 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 an 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 explanation
Consumer complaint received 2022-11-13
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: EQUIFAX, 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:
Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over XXXX  days later, I actually have no longer obtained a response yet. I sense like XXXX being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside XXXX  days offers a purpose to straight away remove those items from my credit report. Its been over XXXX  days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the Equifax data breach and might are becoming into the fingers of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I have been a customer of Wells Fargo Bank for the past 45 years. I currently have had an auto loan since 2020 - I also have direct deposit, I read that Wells Fargo has had issues and they have been ordered to pay a settlement- I believe that I should be paid.

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 2023-01-05
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:
I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: EQUIFAX, 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: Account information incorrect

Complaint:
For the past couple of years, I have been trying to get the credit bureaus to correct specific information on several accounts for years. The bureaus refuse to investigate and/or correct and/or remove any information regarding these accounts. The accounts are reporting incorrect amounts, dates, payment statuses and much more. Also, it's an obnoxious amount of inquiries, when I haven't obtained credit in a year due the reporting inconsistencies, but they won't remove them just tell me to ask the creditors, but I can't get past verification to even ask them to remove them because they are from ID theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I went to Jc penney to buy my children clothes since they had not have new clothes in a while and they really need it it. The register lady asked if i wanted apply for a credit car and my response was no she asked why and I told her I never get approved and also did not want anything to do with a credit car store anyway aince I had a problem with one recently.she told me I could apply just to get a discount from my purchase just to save me money so Ofcoarse I accepted to apply for the discount as I knew I was going to be denied anyways .so She said I was appoved I worried and told her ok but I do not want a credit card so I dont approve of opening it she said no problem that I would still get the discount for chekimg if I could be approved for one so Before paying ahe asked me if To get 10 % of that she wanted to save me more money that I could not pay the full balance of my pirchase and then just pay when I needed to pay on the credit card and then cancel the credit card after making my full purchase I again told her no I do not want a credit car at all Ill skip the 10 % which made more sense as of I do not want a store credit card she said ok its fine so I asked I wont be getting a credit card right she then answered no she said that I will still get the discount just not the 10 % more so I was relieved but here I am with a jcpenney credit card which I repeatedly told ger I did not want the Jcpenney credit card that all I wanted was the savings she mentioned that I would get just for chekimg if I would get approved so this person opened this credit card by with all this lies and acting like a good person just trying to save me money .I trusted I wouldnt get a credit card since I told her several times I dint want it please help I will not be applying anymore even if they tell me just to save me money.

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 2017-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I wrote to TransUnion in XX/XX/XXXX to dispute an item on my credit report related to XXXX XXXX. I specifically asked them to investigate because the item appears inaccurate. They continued to report the item without sending me validation. I have followed up in XX/XX/XXXX and they still have not validated or removed the item. I provided information to them that shows the item is reported in duplicate. The collection agency has dropped the item from the report, but the original creditor is still reporting an item that is no longer theirs. It affects my creditworthiness because it makes the item appear as an active charge-off that has not been satisfied. In addition, TransUnion did not respond in a timely fashion. The other XXXX credit bureaus, XXXX and XXXX have removed the item.

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