BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Account Inquiries : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) In accordance with the FAIR CREDIT REPORTING ACT ( FCRA ), the list of accounts below/attached has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 15 U.S.C. 1681 section 602 A-States I have the right to privacy. 15 U.S.C. 1681 a. section 604 A- States a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 168c. ( a ) ( 5 ) 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 2020-04-14
Company: Bridgecrest Acceptance Corporation
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
After filing a previous complaint with CFBP regarding Bridgecrest refusing to help customers during the covid 19 pandemic, I received a call from a management representative on XX/XX/XXXX. The gentleman was professional and offered a 2 payment ( total of only one month, because I make bi-weekly payments ) deferment. I still dont believe this is adequate for most people in the situation the country is in at the moment. I feel 2-3 months is proper. However, that is not my problem. I asked the gentleman if I had to cancel my autopay for the deferment, and he stated that no, I did not, and that all I had to do was e-sign a loan modification form. 
I did so at the time it was sent to me. 
Today, XX/XX/XXXX, I received a call from XXXX from Bridgecrest stating that she needed my permission to cancel my autopay, so my payments wouldnt be taken out during the deferment. I told her that the gentleman I spoke to the day before said I did not have to do that, and I didnt understand why i was getting different answers. I told her I would just sign in online and do it myself, so I would be reminded to set it back up. 
After the call, I was busy taking dare of my XXXX XXXX, so I didnt just jump to go cancel it the autopay. I received a call one hour and 45 minutes later. I missed the call but called back. The new agent told me that in order to even approve the deferment, that I had to cancel my autopay. At this point I was very frustrated. I told the gentleman that every time Ive spoken to anyone at the company, and I havent called but maybe 4-5 times in 2.5 years, that everyone I had ever talked to gave me a completely different answer and no one ever answered a question the same way twice. 
I tried to voice my concerns as to how they handle business, and in no way ever disrespected the representative. I even made it a point to tell him several times that my problem wasnt with him, but the company. He proceeded to tell me that if I was going to disrespect his company that he would just end the call. 

This company never ceases to amaze me. They dont want to help customers, they only offer to after someone makes a complaint about them, and then want to do only the bare minimum and still give you the run around to get something that should be so simple, done. Ive asked them to not call me again unless its something important but if they feel the need to explain their incompetence to me on the phone, I give them permission to call me or my wife. 
Something needs to be done about their poor customer service and business practice. It shouldnt take everyone filing complaints on them to offer to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: WELLS FARGO & COMPANY
State: TX
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:
Dear CFPB, I am writing to file a complaint against Wells Fargo Bank for their failure to address my dispute. 

This bank continues to shift the blame onto me, claiming that I did not provide specific information. It is clear that Wells Fargo completely disregards the oversight of the CFPB, which is an act of defamation towards the regulatory authority. 

I would like to reiterate that during the initial dispute submission, I provided them with all the necessary information regarding the issue. The bank pretended to address it by saying they would submit the complaint on my behalf, but the status remains in awaiting information. 

At this point, I not only suspect that Wells Fargo is the worst bank in the United States, showing complete disregard for customer complaints and third-party oversight, but I also believe that this bank may be on the verge of bankruptcy. They simply lack the capability and resources to handle disputes. Why do I say this? I have colleagues who are credit card users of XXXX and XXXX XXXX XXXX. When comparing their experience with Wells Fargo, it is evident that this bank is extremely inadequate. 

I urge the regulatory authorities to closely monitor this bank and protect the affected customers before they go bankrupt. Considering the banks performance, it is highly likely that they will face bankruptcy in the current challenging economic climate!

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 2023-05-15
Company: Tebo Financial Services, Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted the company multiple times over the last 30 days I have not remove this from my credits. This is a direct violation of my consumer, rights. Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b, company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. This is harassment and I will pursue legal charges. I have a right to accurate credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under XXXX XXXX. Sec. 
XXXX ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 
Thank you for your time and help in this matter. 
Sincerely, 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 2023-07-17
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:
XXXX continues to report my account 30 days past due. Recently, my account was reported 30 days late for XX/XX/2023 and XX/XX/2023. First, XX/XX/2023 payment is not due until XX/XX/2023, today is XX/XX/2023 so the XX/XX/2023 payment is not due at this time, however XXXX has reported it 30 days past due to credit agencies. Further, XX/XX/2023 payment was made on XX/XX/2023 one day before being 30 days past due. I have also attempted to make my payments online and XXXX blocks my account for online access where I can't pay my bill. I have these calls recorded where reps tell me I can't make my payment online due to the balance being past due. Reps have claimed they would put a ticket in to fix this ongoing issue, but it continues to happen. I am also told by reps that if I have a past due balance and a current balance they will report me 30 days past due even if the past due balance is paid before the 30 day mark of being past due. I have bank statements and print outs of my bills to show XXXX is continuing to report inaccurately on my credit report. I am asking that 30 day past due reporting for XX/XX/2023 and XX/XX/2023 is removed as it causes material harm to my credit. My credit score has now dropped over 50 points due to XXXX ' inaccurate reporting.

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 2023-05-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 have lost my wallet back in XXXX, XXXX, XXXX reported to The police ever since, I have been having all these issues with Identity theft. 
Account info Account name XXXX XXXX XXXX Account number XXXX capital one

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: PNC Bank N.A.
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I went to my PNC branch to payoff my home equity loan- {$21000.00}. The monthly payments have been deducted from my checking account at PNC and the balance in my account was more than enough to payoff. I was told they could not accomplish this transaction there and I would have to send a check to PNC in XXXX. I called the main office of the bank in my city and was told again I would have to send the check even though I offered to personally go to the main office. I insisted that the person on the call consult with others to verify this. It is dangerous to send a check in view of the risk for theft. Also if there is a delay with the mail I would be billed for extra interest. These events occurred on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: EQUIFAX, INC.
State: CA
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:
In accordance with the Fair Credit Reporting act. The accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I initiated a dispute for fraudulent accounts being reported to my Transunion credit report on my online Transunion XXXX XXXX account and uploaded all of the necessary documents including previously filed FTC reports and CFPB reports supporting my claim also documentation verifying my identity and proof of residency during the time the fraud occurred opening the fraudulent accounts and shortly after submitting I then confirmed with a Transunion XXXX over the phone I should receive any updates and results by email. Days later XX/XX/XXXX I noticed a reinsertion of a fraud XXXX account that resulted from disputing their collection account which is under XXXX MANAGEMENT that was already included in my dispute of XX/XX/XXXX so I reached out to Transunion again and the rep looked over my ftc reports and confirmed XXXX as the original creditor so that account was attached to my initial dispute filed XX/XX/XXXX hence the reason why I now have XXXX file numbers that are ( XXXX and XXXX ). I received correspondence from XXXX XXXX XXXX  XXXX, and XXXX that XXXX account I initiated a dispute with on XX/XX/XXXX which is under the name XXXX XXXX has been removed in my favor from my Transunion report between the dates of XX/XX/XXXX and XX/XX/XXXX, todays date is now XX/XX/XXXX and Ive spoken to NUMEROUS reps from Transunion claiming that XXXX XXXX is still under dispute investigation and has not been removed from my Transunion report which is CLEARLY FALSE I will be attaching proof that XXXX XXXX has been removed from my credit profile in my favor without any correspondence from Transunion nor taking responsibility for not updating me as the consumer of completion of dispute process, denying the dispute was finalized for the removal, and now claiming to have no record that the account has been removed on their end AS THE CREDIT BUREAU.

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 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
To Whom It May Concern : I recently received a copy of my consumer report and I noticed an account on my consumer report that should not be there. It was removed so why is it on my consumer report again? This isn't a joke that you corporations consistently allow other corporations to do and i've had enough. 



As the original creditor, only I can validate this debt. I do NOT validate this debt. Therefore, the following account must be deleted from my consumer report immediately. 

XXXX XXXX XXXXThis agency is in violation of 15 USC Section 1681 i ( 2 ) ( A ). They were to notify me of this in writing 5 days prior, I was not notified.

In addition to the Violation above pursuant 15 USC 1681 ia ( 5 ) ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, after aby reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


Account # XXXX The above account is inaccurate, the character is incomplete, you are reporting a charter amount that is incomplete and inaccurate. 
Information on the consumer report must maintain Maximum Possible Accuracy. 
Accuracy means- correct in all details ; exact 15 USC e ( b ) ( b ) ACCURACY OF REPORT 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 relates. 
The details of the account are inaccurate AND they are not exact in details and amounts. 


TRANSUNION you shall comply with the FCRA 15 USC 1681 YOU WERE SUPPOSED TO NOTIFY ME AND YOU FAILED TO DO SO!!!!!!!!! 
( 6 ) NOTICE OF RESULTS OF REINVESTIGATION ( A ) In general A consumer reporting agency, shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that, by other means available to the agency. 


DELETE THIS INACCURATE & INCOMPLETE!!!! ACCOUNT FROM MY CONSUMER FILE Yours Truly, 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 2023-05-25
Company: Self Financial Inc.
State: TX
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
Ive reported account that need to be taking off my credit because it was not working an it was taking my money not reporting my credit am not updating my amount after paying just taking the money an saying I didnt pay, Ive asked for these account to be taking off my account but all it was is close and taking down my credit from a XXXX to an XXXX score that is not ok an my money is wasted my credit needs to be back or my money need to be replaced

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: MI
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 XXXX : XXXX Account 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 explanation
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 am a victim of the XXXX data breach. I have submitted the necessary documents to have the fraudulent accounts listed on my FTC reports blocked per the statute. This is a block request not a dispute!!

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 2021-06-05
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
An account on my report was closed by the creditor in XXXX. It was charged off that same year. In XXXX it appeared at late payment in XXXX. I asked Experian to investigate and correct it. They updated it to charged off as XX/XX/XXXX causing my score to drop yet again for an account that should be set to age off my report in a year. Now it appears as it is a new account.

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 2023-05-26
Company: TMX Finance LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
I received a Title Loan from TitleMax which charged an annual interest rate of 160.03 % for a 5-month loan. In the State of Texas, the interest rate can only be 10 % maximum per year, which is a violation of Title 4 Sec. 305. I sent a Negotiable Instrument per UCC 3-603 to XXXX XXXX CEO of the company which was received via Certified mail on XX/XX/XXXX ( Certified Mail No. XXXX XXXX XXXX XXXX XXXX ). The debt should have been discharged. I continued to call to check the status of my account and was never notified that my car would be repossessed. According to the postal rule, a contract is accepted when the offeree places the document in the mail but in this case, the document was accepted and signed for. However, my car was repossessed on XX/XX/XXXX. I made my payments up until the document was received.

Company response to consumer: Closed with explanation