BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-09
Company: Experian Information Solutions Inc.
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 have tried to dispute a credit card put on my credit report that I do not own but experian reports that the information should remain.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
After carefully reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report does not include any report containing information solely as to transactions or experience between the consume and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. TransUnion, XXXX and XXXX is reporting late payments on XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX  and XXXX XXXX XXXX and/ or Utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave TransUnion, XXXX or XXXX written instructions to report anything to my consumer report, let alone these late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to TransUnion violated my consumer rights by allowing these late payments/utilization to report to my consumer report!

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 2019-04-02
Company: General Motors Financial Company, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
My leased XXXX XXXX XXXX was repossessed in XX/XX/XXXX and GM Financial has repeatedly tried to collect a balance it claims is due. According to California 's Vehicle Leasing Act 2987, I did not receive a notice at least 10 days in advance of the disposition and/or the determination of the value of the vehicle. I did not receive an itemization of the determination of accrued fees, nor did I receive an inspection report in the letter of the costs in which it referred to as an " enclosed inspection report. '' I was also not given reasonable notice to personally hire a professional appraisal of the vehicle for the purpose of valuating and determining what was to be owed on the lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: Nelnet, 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: Account information incorrect

Complaint:
I dispute Nelnet Loan Services account for payment history. The payment history is incorrect for Nelnet Loan Services account. I am requesting that this account is deleted off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: EQUIFAX, INC.
State: NV
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:
By the provisions of the Fair Credit Reporting Act, I'm sending this complaint to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Trans Union has not been able to provide me with an online view of my credit reports despite many calls and speaking to several supervisors about the issues. They continue to state they are working on the problem but there is never a resolution. This issue has been ongoing for over a year. They insist that I call in every time I need to file a dispute or apply a security freeze on my credit reports.

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 2018-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
The company was having issues with their system so all payments had to be mailed in and they said that they would not count any payments as late because of their system issues. There is now a late payment on my report and its stopping me from buying a home. This is not fair and is in violation of my rights as a consumer. I did what they said and this is not fair that they did not keep their word.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: Experian Information Solutions Inc.
State: NV
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:
By the provisions of the Fair Credit Reporting Act, I'm sending this complaint to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Aldous & Associates, PLLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
ALDOUS AND ASSOCIATES has placed a negative non paid debt on my credit reports. I do not know who they are and they are asking for a debt that they have not contacted me for or sent any validation for. I sent them a letter electronic and certified mail which they received XX/XX/2023, requesting they show proof of this debt. I canceled my membership with XXXX XXXX and the monthly payment was {$5.00} a month. They are unable to send me paperwork and have been ignoring me, but still placed a negative report on my account. 
They need to respond to my letter of validation which I have attached to this, and remove the error in their reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 Acct # 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

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 2022-08-12
Company: PNC Bank N.A.
State: AL
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:
This has been going on for at least XXXX months. I just found our about your XXXX. PNC Bank sent us a credit report which showed information other than what was actually on the reports at the XXXX credit reporting services. I have contacted PNC XXXX times, twice in person at the bank and twice on the phone. The only response I get from them is to contact the reporting services. No matter how many times I tell them the reporting services have the correct information, and PNC has downloaded the wrong reports, they don't understand. But of the XXXX reports, only XXXX shows one missed payment in XXXX PNC has downloaded information from the wrong XXXX XXXX or the wrong ss #. 
I haven't been able to download the info so I have to type it : XXXX -- Number of accounts with delinquency XXXX -- Lack of recent installment loan information XXXX -- Ratio of Balance to Limit on Bank Revolving or other revolving accounts too high XXXX -- Too few accounts currently paid as agreed XXXX -- # of inquiries had a minor adverse affect on the score SS # XXXX XXXX XXXX : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: CITIBANK, N.A.
State: MN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
In mid XXXX my credit card number was stolen. This is a credit card I have through Citi Bank. 
Within 1 week of noticing the fraudulent charges, I contacted them to report the charges.

They cancelled my credit card and send me a new one that I received approx. 1 week later.

During the initial phone call, they told me that I would not be liable for any of the fraudulent charges as I am protected from them as part of being a member with this bank/credit card. 

On XX/XX/23 my payment date was approaching ( due on XX/XX/23 ) and the fraudulent charges were still pending on my account ( they stated it can take up to 60 days for them to drop ), so I contacted Citi Bank via chat support to confirm whether or not I would be charged interest for the transactions that were fraudulent if I only paid for the transactions that were legitimate. They stated there would be no interest charges on the fraudulent charges at all. I have a recorded video of the chat with Citi Bank to prove this, however it is larger than 10MB so I had to link to it here : XXXX XXXX XXXXXXXX ( This is a video recording .mp4 file ) Jumping Forward to XX/XX/23, another fraudulent charge showed up on my *new* credit card number. I contacted CitiBank and they stated that the first representative that cancelled my card *forgot* to " Suppress the recurring charge and cancel it so that it would not move to the next card ''. 
So at that point, we had to start the process over again, and they had to cancel the card all over again, and I am now waiting for that *second* new card to arrive as of XX/XX/XXXX. 

Finally, today XX/XX/XXXX, I logged into my statement to find that they have charged me interest in the amount of {$63.00} on all of the fraudulent charges they stated they would not charge, so I called again. 

In the most recent call they now changed their story saying they now instead DO charge interest, but it " Drops off after the fraudulent charges disappear ''. 
There is no way to hold them accountable for their change in story and each representative gives a different story when you call. 
The video I linked to shows proof of them stating one thing, and acting in another way. 

Thanks for any assistance. 
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 monetary relief
Consumer complaint received 2023-04-11
Company: EQUIFAX, INC.
State: IN
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 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian refuses to delete an account that I provided proof in the form of documentation.The collection company is called ; XXXX XXXX XXXX XXXX XXXX. The amount of the bill is $ XXXX.The bill was paid in full by both the orginal creditor and Illinois XXXX . The original creditor is XXXX XXXX ( XXXX XXXX in XXXX Illinois ). The date of service was on ; XX/XX/2017. 

Experian informed me that they can not call or notify XXXX XXXX and that XXXX has informed them that I still owe this bill. Experian did not do a reasonable investigation by simply telling me that XXXX says the information is accurate. I provided legitimate documents to prove this. What protection does consumers have if documents are being overlooked? 

I want justice by having this item deleted from my report immediatly.I have filed a complaint with XXXX and also know that I can and will take XXXX to small claims court to seek up to {$1000.00} in damages, if they do not comply in a timely manner.

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 2023-09-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was garnished for my delinquency on my capital one account. The garnishment paid in full the amount owed. They've reported that i still owe XXXX , completely fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Experian Information Solutions Inc.
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 disputing the negative items in my credit profile. I dispute these claims and demand that any information be removed from reports immediately if it is inaccurate or misleading, as this will only harm me further! Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity .B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputes The CRRG standards state that in order to make a report, you must follow their guidelines. Any deviation from these standards jeopardizes the integrity of data. This means any mistakes when reporting claims can have serious consequences for accuracy- which affects your federally regulated reports! With that said! I found some mistakes and inaccuracies in your report, which I would like to dispute/challenge. The following claims about me were not reported correctly and I am challenging these inaccurate statements. Please provide proof that the proper reporting standards were followed so this can be resolved 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 non-monetary relief
Consumer complaint received 2015-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
In XXXX i purchased a XXXX computer, made payments on it for several years, I fell behind, the interest rate was extremely high andI couldnt get to the balance. I stopped making payments in XXXX. Its been over 10 years and the negative response is still on my credit report. The original company, XXXX sells it off to XXXX a while back then it gets sold to XXXX company and they say the origianal creditor is XXXX. That is false they keep selling it off and repeating it over and over, and do this over 10 years, and keeping it current. Please look into this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2018 I made 5 bill payments for {$2000.00} each to XXXX XXXX at XXXX using XXXX 's XXXX XXXX XXXX service. These particular bills were processed by XXXX. 
My bill payments did not arrive at XXXX XXXX on XX/XX/XXXX as expected. I called XXXX and they told me they chose not to process the payment and that I needed to go back to the store where I made the bill payments to be refunded my transactions. 
On XX/XX/XXXX, I went to a XXXX location to receive my refunds. After 90 minutes of multiple phone calls and long hold times from the store location to XXXX, 1 of my 5 transactions was given a new number so I could  theoretically be refunded my payment. Unfortunately, XXXX put my name as XXXX XXXX XXXX on the transaction. My original payment, was processed with the name XXXX XXXX XXXX - which matches my identification and my original receipt from the bill pay location. The location I was at was unable to process my return payment because my ID did not exactly match the name on the XXXX transaction. I was then told I needed to send an email with my receipt images and my ID to XXXX in order for XXXX to correct the name on the receipt within 2-4 business days. I did so on XX/XX/2018. 
I have had several back and forth emails and one phone call with XXXX to try and get this resolved since then and am now being told it will still take longer to get this resolved. 
As an aside - on the 1 transaction XXXX tried to refund, they refunded only my payment ( {$1900.00} ) and not the XXXX processing fee of {$4.00}. When issuing the refunds, XXXX should refund the entire amount of {$2000.00} since they did not process the transaction and therefore should not collect the processing fee. 

Transaction numbers are : XXXX / XXXX XXXX / XXXX / XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Experian Information Solutions Inc.
State: SC
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 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 2022-06-01
Company: Experian Information Solutions Inc.
State: MI
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 Acct # 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

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