BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still presenting on my credit report in violation of federal law. The XXXX, XXXX and TransUnion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}

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 2022-07-08
Company: EQUIFAX, INC.
State: WV
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:
The reporting agency didn't send me verification of their process on validating my report was accurate. I sent another letter out today.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I keep getting Pre-approved Junk mail form Capital-one< I have email and sent letter asking them to STOP I get their junk mail very other day and so does my wife!! 
They were ordered to stop all calls and letters to me or my wife over a Year ago>> The problem was that they illegally transferred money from the account I had with then between XXXX and XXXX to a fake XXXX XXXX  account!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I had a loan with welsfargo auto and they charged me for comprehensive collateral insurance just before I finished paying the note off. I proved that I continued without fail to have auto insurance by having a notary signed document submitted by XXXX XXXX insurance and they refused to take the fees off and sent someone to get the vehicle. I was later sued by XXXX XXXX and XXXX for damages on the same car. I won that case by submitting the original answer about the documents sent proving I had insurance and they had no right to charge me fees. I saw about the lawsuit and want to know if I am eligible.

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 2021-05-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Account name XXXX XXXX XXXX Account number XXXX I have attempted to file a dispute to have all collections items removed, some of the the items where removed, not all of them. I was a victim of Identify thief.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE ATTACHED 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 non-monetary relief
Consumer complaint received 2021-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The name of my only checking account card that I have had for DECADES changed a few years ago and that was interpreted as a change in credit thus saying I had a relatively SHORT credit history!

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 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX  XXXX Has violated my rights. 
XXXX XXXX XXXXXXXX Has violated my rights. 
XXXX XXXXXXXX Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the rights 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.

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 adverse items 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 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 2022-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I would like to dispute these inquires with XXXX XXXX. Both times I went to see if I prequalify around XXXX XXXX and of XXXX of this year. I never actually went through the process of applying for the loan. These inquiries should be removed. I sent them two letters in the past 30 days and I have not received a response. 

On another note, On another note Transunion XXXX XXXX show I owe nothing in student loans, but XXXX shows I do. It mentions in the Fair Credit Reporting Act that the agency must investigate unless your dispute is frivolous. 

It doesnt mention I have a XXXX balance on my XXXX account. It shows up on XXXX from my current knowledge of the situation. I didnt see it on Transunion XXXX That also makes we wonder how I received letters from different third party companies in the past 2 years that I owe money to them in regards to XXXX. This baffles my mind on how these credit bureaus are spewing inaccurate information.

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 2021-05-14
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Yes i have been scammed by certain individuals on an XXXX  online store i have bought stuff in the past but not from them. XXXX  XXXX  is the XXXX i purchased a XXXX for a cheap price because they supposed to be selling alot so they giving it to the less fortunate but it was mistakes they just persuade me and very clever when u read the conversation but basically i complained to XXXX XXXX and my own bank santander and they didnt help just denined me which makes no sense when i have evidence and multiple explanations so i shouldnt see why i didnt get a reimbursement which i should get after this

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 2020-12-21
Company: DISCOVER BANK
State: NV
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
When I had set up both my Credit Cards, roughly a half a year ago, all the information I put in was deemed correct, and It was all complete. Since then I HAVE DROPPED XXXX POINTS?! I have tried so many times trying to fix this situation. I have called both, XXXX & Discover. The automatic pay I have set up on both my banks is my Savings Account. I had PLENTY of money to make my payments. According to Discover ; Automatic Pay through my XXXX XXXX XXXX XXXX ( SAVINGS ACCOUNT ) is not available, so every month I had thought I have been paying on time, I was not. This is not my fault, how can they accept my Bank Information just to XXXX me over? I had no idea until I had a notification of my XXXX saying I was down 100Points! This is ridiculous. Each payment I had to pay would be in the range of 250-300, MAX. I had PLENTY of money to pay that, but because it was never able to go through, IT WAS DEEMED A LATE PAYMENT. This is unfair, and a very sad thing to find out before XXXX. Please help me and let me know on what I should do next. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: Paypal Holdings, Inc
State: GA
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:
XXXX I paid {$290.00} and at that time the available credit was {$6000.00} of {$6000.00}. I haven't used the card since and I'm travelling and I can't find it in my stack of cards. Some of the other cards have unauthorized charges on them as well. I don't know what the balance is now as I can't log in to paypal so I don't know what the damage is but I'm tired of worrying about this and I want it replaced and my credit report back to perfect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: Experian Information Solutions Inc.
State: PA
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/XXXX I contacted Experian about the following negative accounts ; XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Balance {$5200.00} ), XXXX XXXX  ( Account number XXXX, XXXX opened XX/XX/XXXX, Balance {$1900.00} ), XXXX XXXX XXXX XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Balance {$19000.00} ), XXXX XXXX BANK ( Account number XXXX, Date opened XX/XX/XXXX, Balance {$18000.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2023-08-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I am writing to dispute several hard inquiries that appear on my credit report. I believe these inquiries were made without my consent and are negatively impacting my credit score. 
I have carefully reviewed my credit report and have identified the following hard inquiries that I wish to dispute : * XXXX XXXX XX/XX/XXXXXXXX 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 2023-11-14
Company: Consumer Financial Services Solutions, Inc.
State: FL
Product: Debt or credit management
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
XX/XX/XXXX I removed 2/4 accounts and was informed my monthly payments would decrease to {$100.00} bi-monthly but would still cover the 2 accounts that were being disputed including 1 that already had a settlement. 

XX/XX/XXXX Contacted by company who requested my payments go from 2to 3 a month and asked for {$300.00} on XX/XX/XXXX and {$100.00} on XX/XX/XXXX and {$100.00} on XX/XX/XXXX. I asked why would it be increase and was informed because of a {$460.00} settlement for the 2nd account. I asked why would it be this amount for the next 48 months for a {$460.00} settlement. They gave me round about answers and no clear answers then proceeded to say my account was in the red although I was paying $ XXXX from XXXX XXXX XX/XX/XXXX that was supposed to be for 4 accounts. I then removed 2 accounts reducing my enrolled debt and making my payments $ XXXX for the other two accounts from XXXX XXXX current. Where did my account go to red when I removed two accounts originally enrolled? I didn't get a straight answer. The service representative stumbled and studdered over words. I asked why my payments would need to increase? So far I have paid Beyond Finance {$1900.00} and they have ONLY paid one account settlement {$700.00} and now they are asking for an extra {$300.00} for another settlement. That's {$1200.00} of my hard earned money to NOTHING other than attorneys fees and their pockets. And this was NOT explained to be initially that so much would NOT go to my debt. I am further in debt trying to get credit repair from Beyond Finance. Customer services is terrible and they don't know anything to help me. I was told the amount set was all I needed to pay a month to get out of credit card debt for {$18000.00} and now I have only enroller {$12000.00} and they are trying to increase it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Marlette Funding, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
SOMEONE CAME TO MY HOUSE ASKING FOR ME WITH A CAMERA?!?!?! 


MORE HARASSMENT!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I disputed some inaccuracies and unclear items on my credit report in a letter, and more than 60 days later, I haven't heard back. I feel victimized and my complaints are being disregarded. I expect the immediate deletion of these accounts. I won't wait another 50 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: Experian Information Solutions Inc.
State: NY
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:
I have communicated with the credit bureaus on several occasions about the 14 fraudulent inquiries that I did not make that appear on my credit report/file as well as numerous accounts that were opened without my knowledge, authorization/consent. My FTC report # is XXXX. These accounts should not be reporting to my credit report/file because they do not belong to me and should be deleted 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 2021-05-11
Company: Exeter Finance Corp.
State: WV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have an auto loan with Exeter Finance and they continue to not report in a timely manner to the credit bureaus. On XX/XX/XXXX they reported the XXXX payment. The payments are made at the beginning of the month. It is XX/XX/XXXX and the reports are only reflecting through XXXX. Additionally, my score dropped b/c the balanced reported on XX/XX/XXXX increased by {$240.00}. All payments for the last 6 months have been made on time and for the full amount of {$390.00}. Therefore, I do not understand how the balance reported was {$240.00} more. The balance reported is showing as {$11000.00} and the balance remaining currently is {$11000.00}. When trying to explain this to anyone at Exeter the best answer that I get is that it is " how the interest posts ''. The interest is {$240.00} a month. However, if I paid the full {$390.00} on XX/XX/XXXX and they reported on XX/XX/XXXX, my balance should have decreased by {$150.00}. This company continues to take advantage of borrowers by reporting in a manner that interferes with my credit score in an effort to keep you stuck in their predatory loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
i was a victim of Identity thief, which cause my consumer report to drastically effected. I went from an XXXX XXXX Score to a XXXX in my attempt to clean up the mess made, i came to realized that there were many inaccurate information in my consumer report. As is expect base on the law 15 USC 1681 ( a ) ( 4 ) TO insure that the consumer reporting agencies exercise their grave responsibility with fairness. i sent the accurate information along with expected identification and documents ( Drivers license, Utility bill ) to prove that I am the natural consumer submitting this request. 
After XXXX weeks i received a letter from the agency ( XXXX stating that the information that they have does not match and requested that send the very identification that was sent with the first letter, i believe that they are Violating my rights. i have sent another letter and have heard nothing yet

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 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX XXXX, who is submitting this CFPB complaint and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX : {$0.00}

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 2023-09-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2023 XXXX XXXX chose to close my account as paid, as documented on previous dispute. They said they had submitted this account for deletion but it is still recording Voluntary Surrender on my report. Under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/corporation making the report is to be EXCLUDED on the consumer reports, yet you are STILL reporting to my consumer reports. I demand that these items be removed from XXXX, Equifax and XXXX immediately. This is great preventing and damaging my ability in obtaining lines of credit, & further my career.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-14
Company: Winklevoss Exchange LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
On XX/XX/2019 I opened an account with Gemini. An app to buy and sell Crypto Currency. I wanted to buy some because it was all the rage. I deposited {$40.00} on that day. When I tried to withdraw the money it said I needed to verify my identity first. I sent the info and picture of my ID on XX/XX/2019. It then said " Pending Verification ''. And has said Pending since then. Since 2019 the {$40.00} Investment turned into {$200.00} and I still can not withdraw because it still says " Pending Verification. '' I am so angry and feel some kind of fraud is going on and have thought about talking to a lawyer about this. I have sent at least 10 emails and complaint to them but they have not responded even once. This is madness. This has happened to many people! I checked on XXXX and this is so common it now feels like a money laundering scheme.

Company response to consumer: Closed with explanation