BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-28
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:
You are reporting this collection as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

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 2022-12-28
Company: American Credit Acceptance, LLC
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:
I paid my car off and its still showing on my credit report its making it hard for me to get a new car.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Upgrade, Inc.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Solicited for the Upgrade Triple Rewards VISA " Credit Card '' through XXXX XXXX. Advertised as a cash rewards credit card. Applied for the " credit card '' and approved for a {$20000.00} limit. Used the card for various expenses beginning XXXX XXXX XXXX. According to the first statement, charged {$10000.00}. Paid {$15000.00} by due date. Was charged interest in the amount of {$200.00}. Called and complained, advised that the balance was paid off within the statement period. I was furious, asked them how a " Credit Card '' accrued interest from day XXXX. They told me this was an installment loan. How can a product that has a {$0.00} balance, is issued a credit card, has a cash back feature on purchases, and not have a defined starting amount, carry a VISA logo, and be accepted anywhere a credit card is accepted be classified as anything other than a credit card? At the point of my 4th statement, I was still not given any clarification, I was denied a payoff and told that it takes 3-4 days to generate a payoff. I have since been charged thousands of dollars in interest at a rate that is XXXX and the carrot on top is that they reduced my credit line so that my credit utilization shows maxed out and my score dropped so I was unable to transfer the balance out. I have been dealing with this trash for over a year now. To further validate my claims that this is a predatory and unscrupulous product, EVEN THE COMPANY THAT LED me to this lists the debt as a CREDIT CARD, not an installment loan. I would like the bureau to step in and stop this extremely deceptive practice and force the company to honor the terms of a CREDIT CARD. I would also like reparation 's be made for the overcharged interest when the balance was paid to {$0.00}. 

It is also of note that when I returned to XXXX XXXX to leave a Buyer Beware review, I found a few similar reviews. When attempting to locate my review and the others that were left, they have all been removed from the site. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-06-20
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: Account status incorrect

Complaint:
I noticed that XXXX XXXX  was sending me an alert for a late payment to which I immediately signed in on Friday, XX/XX/2022, because I was confused as I have no debt. 

Prior to this event, I had problems with XXXX and their XXXX XXXX storage being billed ( {$10.00} ) to an XXXX by XXXX XXXX. It was a problem around the time of XXXX when my mother died. I didn't know how to pay the bill because I didn't know I wouldn't receive a paper bill. Still I fixed it with them and had them auto pay it. They convinced me to keep the card in the event that I wanted to purchase an XXXX product, I would receive 3 % off, so I agreed, but assuredly told them I don't use the XXXX XXXX and I didn't want it accruing charges when I didn't receive a paper bill. 

I noticed when I signed into XXXX XXXX it was that silly XXXX fiasco for {$10.00} to which I promptly paid it. Fast forward to today : My credit score fell from XXXX to 7 something, a ridiculous penalty for a {$10.00} charge. We all know how hard it is to get your credit report up XXXX points - and now - the only blemish on my report is this " late '' comment to which I wasn't even aware it was late because the XXXX  by XXXX XXXX is all on the XXXX, electronic. I never, ever go into the wallet app on my phone. I don't even need this storage they said I did. And I can not remember to pay this monthly on an app! And I told them this! They need to fix my credit report. They need to stop accruing this {$10.00} charge ; I honestly feel its a scam to ruin people. Heck, I give {$40.00} to hte XXXX man and go in and buy his dogfood and buy him shoes and I am going to ruin my credit for a lousy {$10.00} because of these people! Shame on them. I want this fixed. I had stellar credit that I worked really, really hard for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I have been reporting some time now about identity theft to all credit bureaus which has resulted in a lawsuit against XXXX Now I an starting to get many thing reported on my XXXX and Transunion credit file, accounts and inquiries that are not mine. 

XXXX is reporting : XXXX XXXX XXXX on my credit file that is not mine. I have no knowledge of this company and I have never opened an account with this company. 
XXXX is also reporting hard inquiries that are not consented by me as I have not giving anyone permission to run my credit : XXXX XXXX NA ( XX/XX/2022 ) Factual Date ( XXXX XXXX ) XXXX XXXX ( XXXX XXXX ) XXXX  ( XXXX XXXX, 2022 ) XXXX  ( XX/XX/XXXX. 2022 ) TransUnion has tremendously dropped my score due to inaccurate credit reporting. 
TransUnion reports accounts that are not mine : XXXX XXXX ( XX/XX/2022 ) {$5700.00} XXXX XXXX XXXX ( I have has these loans in the past but I have not opened up another one and they have one on my credit file showing that it is past due, {$1200.00} reported XX/XX/2022 ( this caused my score to drop ) XXXX XXXX ( another loan that I have had in the past and have not open another one is showing that I have a new one and I don't reported XX/XX/2022 balance {$810.00} XXXX XXXX ( another loan that I have had in the past and have not open another one is showing that I have a new one and I don't reported XX/XX/2022 Balance {$1300.00} Transunion is also showing hard inquiries that I and no knowledge of or gave consent as I have not had my credit ran XXXX XXXX XXXX ( XX/XX/2022 XXXX XXXX ( XX/XX/2022 XXXX XXXX  ( XX/XX/XXXX. 2022 XXXX XXXX ( XX/XX/2022 XXXX XXXX ( XX/XX/XXXX. 2022

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 2023-07-29
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: 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.

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 explanation
Consumer complaint received 2022-12-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have attached an FTC report with an account which is not mine, please delete

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 2023-04-06
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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

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 2021-05-26
Company: General Motors Financial Company, Inc.
State: IN
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 had a lease vehicle for 39 months with XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX on XX/XX/XXXX and it was financed by GM Financial Leasing. My loan matured on XX/XX/XXXX in which I turned the vehicle in 5000 less miles than the XXXX that was allowed, back to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, without purchasing another vehicle. My last payment to GM Financial was on XX/XX/XXXX for {$1200.00}. On XX/XX/XXXX, I received an alert from XXXX that my score dropped 45 points. Upon opening the app, I discovered that GM Financial Leasing has reported my closed account as over 30 days late and I immediately filed a dispute with XXXX about it was a closed account and after their investigation on XX/XX/XXXX they said their investigation was completed and it was correct according to GM Financial. On XX/XX/XXXX, I contacted GM Financial and I found out that my car was grounded with GM Financial on XX/XX/XXXX, ( a term that is used for leased vehicles, releasing me from the debt/car ) but on XX/XX/XXXX, in their notes ( GM ), someone called from XXXX XXXX XXXX XXXX XXXX XXXX XXXX to unground the vehicle, supposedly the person who owned the car wanted to purchase it right out, by XXXX. Upon talking to the representative, I suggested a 3-way call so she could explain the problem, because I was no longer in possession of this vehicle, since XX/XX/XXXX. And I never intended to buy the vehicle because I purchased one back in XX/XX/XXXX in Florida, while on vacation. 
When talking to the dealership, they said they don't have a XXXX and the person who grounds the vehicles name is XXXX, but he knows nothing about this. She said please reground and he said he would fax the original paperwork and the rep said this was highly unusual to happen, but they reopened my closed account and put me as the last owner because it was ungrounded. And this is why I have the negative report on my credit. Once the car is grounded again, they can fix the negative credit report. She said give us 2 days and call us back. I gave them 1 week and called back on XX/XX/XXXX and in the system they are still waiting on a manual grounding and after I talked to a supervisor, they said I had to go get a " NO FAULT LETTER '' from the dealership to fix my credit score. I stated to the supervisor XXXX, that now this is a cat and mouse game, and you have it all in your notes, that I did my part as a customer and I was in the middle of trying to get a lower interest rate on my new vehicle that I purchased out of state and they don't know how long this will take to get corrected. I have threatened to go to social media and other things, but I was suggested to go through this route, because I can hopefully get this resolved quicker than a 30 day time period.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: Experian Information Solutions Inc.
State: NJ
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 credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system

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 2022-04-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On the afternoon of XX/XX/2022, while driving home from work, I received a phone call from a caller with the caller id of Wells Fargo. I have been a customer of Wells Fargo for over 17 years, and have received calls from them in the past. 
The caller stated he was with Wells Fargo and asked if I used XXXX. He informed me someone was trying to access my Wells Fargo account via XXXX and asked me to open the Wells Fargo app on my phone and look at prior history. 
I did not see any transactions and he told me I needed to add the person with an Email address to send the money to verify my identity. He assured me Wells Fargo would immediately return the money, but this was the only way to stop the thief from stealing the entirety of my checking account. 
I asked for verification he was with Wells Fargo and he told me to check the number he was calling from, it matched the number on the back of my debit card. He assured me he was with Wells Fargo. He knew my account information, my location, obviously my phone number and email address. He said that XXXX had been taken from my account, and this was the only way to get it back.

Assuming Wells Fargo had protection against scammers, I sent the money. Realizing pretty quickly this was a mistake, I immediately hung up and called Wells Fargo.

I was on this call for 11 minutes, trying to get a Wells Fargo banker to assist me, but I was constantly transferred, had to keep adding my account number, telephone, etc. During this time the scammer called me back 5 times. I was on hold with Wells Fargo, and not knowing I had accepted the scammer 's call. I had been trying to hang up the call. 
The new scammer was a woman, and assured me she was with Wells Fargo fraudulent services, and could see the XXXX was pending to go back into my account. She told me I needed to send XXXX from my savings account, in order to protect it. She said this was the only way to get my XXXX back. 
I sent them money, and immediately called Wells Fargo. This time it took 38 minutes for the person I needed to help me get on the line. Everytime I had to repeat the story, give my account number, etc. 
Apparently the money can not be immediately canceled or returned. I filed a claim with Wells Fargo, and am waiting 10 days. 
I assumed the scammer was with the bank since the app is so easy to use with XXXX, I thought the bank would have fraud protection for this. 
I never signed up for XXXX, it is just attached to my account. I also feel I should have been able to get in contact with someone from Wells Fargo much sooner, and this could have been avoided. 
I just hope more people can be aware of this type of scam.

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 2023-09-01
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I booked a hotel room for a wedding online using the stored card on my XXXX account ( my citi card ). I then find out that my account had been suspended and the purchase was declined. I never had this happen before. I called to rectify ( something that was not my fault ) and I was told the transaction must be done again ( by me ). I then requested to close. After providing all the information requested, the rep would not close. I then transferred to a supervisor who requested the info again, and would still not close.

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