BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 reporting act name XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXX Account number XXXX, XXXX  XXXX XXXX Account number XXXX, XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX BANK XXXX Account number XXXX, XXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXXXXXX Account number XXXX, have violated my rights XXXX 

15 USC 1681 Section 602 States that I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose.

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

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 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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:
I have tried to get both my credit report and credit score from TransUnion credit reporting. I applied for my free credit report back in XXXX and was unable to get it. I thought there was a problem on their end with their system being down. I was able to receive my reports with the other agencies with no problems. On XXXXXXXX XXXX XXXX I tried to access my FICO scores with XXXX and could not get my scores due to a problem with TransUnion. I went online to try to get this problem fixed and got error messages only. 

I phone the customer support numbers numerous times and was only able to be told my file is " surpressed ''. I can not get anyone on the customer support lines to even tell me what that means. I tried to " unfreeze '' thinking perhaps that was the problem. I can not get Transunion to allow me to see my credit report online or get my score. On the phone I first encounter an automated response. When I finally get a live agent I have to tell them all my information including name, Social Security Number, Date of Birth, address, etc. They look my file up and pass me off to a " supervisor ''. I go through the same thing with the supervisor. Finally after the third supervisor that is unable to help me they tell me that the department that can help me is already closed. I have left my information for someone from that department to call me. I have spoken with at least XXXX people at TransUnion and no one is able to fix this problem. 
My file # is 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 2021-05-25
Company: Experian Information Solutions 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:
This letter is a formal complaint that Bureau is reporting inaccurate and incomplete credit information. I am distressed that they have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be reinvestigated. Bureau didn't provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

1. This account resulted due to identity theft. 
XXXX XXXX XXXX  Account Number : XXXX Please remove this account from my credit report 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 explanation
Consumer complaint received 2023-11-03
Company: Pacific Rim Alliance Corporation
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a payday loan with CheckMate I got into financial trouble and they refused to help me at all they didn't even offer me a payment plan to get me out of the debt they refused to work with me, and they took money out of my account when I asked them not I told that I revoke the ach payment and don't take it out of my bank they took {$300.00} from my bank and caused my bank account to go negative..

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 2023-03-15
Company: Financial Management Solutions, LLC
State: MD
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 lived at the address LISTED AS XXXX XXXX XXXX XXXX XXXX and left in XXXX of XXXX INACCURATE : AMOUNT LISTED ON EVICTION COURT DOC OWED IS XXXX $ PER I WAS NOT AT THE RESIDENCE AT THE TIME THIS WAS POSTED DUE TO LANDLORD FAILING TO UPDATE UNIT WITH PROPER SAFETY. info shown by XXXX XXXX XXXX FINANCIAL MANAGEMENT SOLUTIONS Original Creditor Name XXXXXXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$5300.00} Amount {$5300.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification RENTAL_OR_LEASING Last Payment Date Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact FINANCIAL MANAGEMENT SOLUTIONS XXXX XXXX XXXX, XXXX XXXX XXXX MD XXXX ( XXXX ) XXXX WHICH : XXXX is reporting inaccurately that i lived there in XXXX : Account name FMS FINANCIAL SOLUTIONS Also known as FMS FINANCIAL SOLUTION Account number XXXX Account type Collection Responsibility Individual Date opened!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 
XX/XX/XXXX Status Collection account. {$5.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$5300.00} Balance updated XX/XX/XXXX Recent payment XXXX 0 Monthly payment {$0.00} Original balance {$5300.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX XXXX : ANY INACCURATE INFO SHOULD BE UPDATED AS WELL

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 2021-06-17
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, a cashier check ( {$11000.00} ) was deposited to my account by a potential client, and several hours later, on the SAME day he asked for a refund in cashier check. The reason he wanted a refund was verified to be a false statement. As a credit risk personnel with 15 years banking experience, I know I was at the risk of cashier check scam. 
I requested Wells Fargo to cancel the transaction and investigate the check on XX/XX/XXXX, and 15 days later, I still havent got an update after multiple phone calls to Wells Fargo. 
What is even more frustrating is that my case seems to fall into the cracks : I got a reference number XXXX on XX/XX/XXXX. I was told it didnt enter the system on XX/XX/XXXX and I was given the 2nd reference number XXXX. On XX/XX/XXXX, I was told the first two claimed didnt enter the system and I was given the 3rd number : XXXX. A couple days later, a letter saying the claim number was routed to the wrong department, then I was given a 4th number : XXXX. Why is it so hard to register a claim? Is there any body actively working on the investigation? 

I would like to know when I can hear the final investigation results. And Ill need the result in written. Thank you very much for your help.

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 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
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 XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 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 2023-06-20
Company: Mercedes Benz Financial Services
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing this letter in reference to XXXX that your company is currently reporting to XXXX under my name. The account is being reported to have a derogatory rating which is very troubling to me! Ima worried about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. Please be advised that this negative rating has caused me some serious financial distress & will continue to cause me financial and emotional distress until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: CREDIT ACCEPTANCE CORPORATION
State: MS
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: Problem with personal statement of dispute

Complaint:
I received a letter from XXXX last month round XX/XX/XXXX cause I purchased car over XXXX ago and the car had major problems so the mechanic guy came and pulled it to his shop and somehow he ended up keeping the car I credit acceptance and they say the title is with the company credit acceptance but somehow the mechanic got the car and it's on my credit it's stopping me from getting loans cars etc they say I owe but I dont

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 2023-06-20
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I contacted Nelnet in XXXX requesting my detailed forbearance and deferment history including types. I have called multiple times and still havent received it. As of XXXX XXXX Nelnet no longer holds my loans and I need this information. My request was prior to my loans transferring to another servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the following accounts have violated my federally protected rights to privacy and confidentiality! Under 15 USC 1681. 

I previously told XXXX, XXXX and Equifax to reinvestigate these accounts : 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 All 3 agencies stated these accounts were accurate, but thats not possible because there are major inconsistencies with open date, date of last activity, and high balance when I compare my 3 credit reports.

According to USC 1681 section 5, the agencies MUST modify any account that is not reporting accurately.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 ( a ) ( 5 ) : NO consumer reporting agency may make ANY consumer report containing any of the following items of information : any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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. 

FURTHERMORE, I have evidence to prove these agencies ( XXXX, Equifax and XXXX ) are not in compliance with Metro 2 standards, the standards that they themselves created!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01
Company: ENCORE CAPITAL GROUP 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:
The midland credit management company is in violation of the law. Under the 15 U.S. Code 1681- Permissible purposes of consumer reports. a ) general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other 2 ) in accordance with written instructions of the consumer to whom it may relates. I did not give any written instructions to furnish my account or my consumer report. Further more the FCRA 15 U.S. Code 1681a - Definitions ; rules of construction SO EXCLUSION from a CONSUMER REPORT. So therefore my private information has been shared to a company who I have no contract with. DELETE AND REMOVE this incorrect data from my credit report now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
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:
I sent a letter dated XX/XX/XXXX to TransUnion to dispute unauthorized hard inquiries showing on my credit report for XXXX XXXX on XX/XX/XXXX and XXXX XXXX  on XX/XX/XXXX. As of today, XX/XX/XXXX, these inquiries for XXXX XXXX  and XXXX XXXX  are still showing on my credit report. i contacted TransUnion today, XX/XX/XXXX, anbd spoke with a representative to dispute the inquiries and I was asked if I had already sent in a letter to dispute the inquiries. I let the rep know I had already sent in a dispute letter for these items. I was told by the rep that he could not see the documents and would need to transfer me. Before transferring the call, the rep stated he did not know what the next rep would be able to help me with but he just needed to transfer the call because he could not see the letter I sent. My call was then transferred and I spoke with a rep stating his name was XXXX and he was a supervisor with the specialized fraud team. XXXX asked me for the dates of the letters I sent. I told XXXX I sent a letter dated XX/XX/XXXX to dispute the inquiries. I also told XXXX I had sent letters after XX/XX/XXXX to dispute other items. XXXX told me TransUnion had not received any letters from me in XX/XX/XXXX through todays date, XX/XX/XXXX. I have attached the letters that have been sent to TransUnion since XX/XX/XXXX. I am unsure of how none of the attached letters have been received when corrections to unverified and inaccurate items showing on my report has been made resulting from the letters I have sent that are attached. Due to the mishandling on my call today and TransUnion reporting inaccurate, unverifiable, and unauthorized information on my credit report TransUnion is blatantly violating my consumer rights. I am requesting that these unauthorized inquiries on my credit report be removed 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 explanation
Consumer complaint received 2021-07-31
Company: WELLS FARGO & COMPANY
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:
his complaint is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act., 15 USC 1692G ( Section 809 ) that your claim is disputed, and validation is requested. I must demand proof of this debt, specifically the alleged contract or any other instrument bearing my signature, as well as proof of your authority in this matter. Absent of such proof, you must correct any erroneous reports of this past debt as mine. I ask you to provide the following information 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( F ) in this alleged matter? 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state? 5. Please evidence proof of the alleged debt, specifically the alleged contract or other instruments bearing my signature? 6. Please provide a complete account history, including any charges added to this collection agency or any account? 7. List of all names and contact information of all employees that was spoke to regarding this account or collection? You have thirty ( 30 ) days from the receipt of this notice to respond. Your failure to response, on point in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume you have placed this on my credit report in error and that this matter is permanently closed. Provide the proof or correct the record and remove this invalid debt from all sources to which you have reported it. For the purpose of 15 USC 1692 et seq, this notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be deemed necessary. This is a request for information only, and is not a statement, election or waiver of status Regards, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This letter is a formal complaint that Bureau is reporting inaccurate and incomplete credit information. I am distressed that they have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be reinvestigated. Bureau didn't provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

1. This account resulted due to identity theft. 
XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report 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 explanation