BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-21
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 2022-12-21
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: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX IL XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX IL 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 2022-07-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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
Consumer complaint received 2022-07-25
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
My information got stolen and used i found things in credit report that i did not authorized or used my self i have tried to contact the company 's and the credit company 's and no one will help me i called the policy I never gave any one permit ion to use my credit or to put negative things in my credit report In accordance with the credit fair reporting act states that everything has to be accurate 100 % based on their investigation. they they stated that this was validated yet i get ignored when i ask for the proof this is a violation of my rights 15USE 602 1681 section 604states that consumer reporting agency can not furnish my account with out my written permit ion so i did not give written permit ion to those accounts to report fraudulent accounts to my credit report PLEASE remove those negative reports to my account please delete 800LoanMart, XXXXXXXX XXXX XXXXXXXX and ll those address that i have never lived at i been in the same address since XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX Pleaase3 delete these accounts due to this is a violation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: EQUIFAX, INC.
State: MS
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.

XXXX XXXX Acct # XXXX, XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXX Acct XXXX XXXX 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 an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency XXXX 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 XXXX 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 2023-03-23
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate the account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX Balance Owed : {$200000.00}

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 2022-07-25
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Excessive fees that are abusive and outrageously expensive. Basically worse now than a payday loan that just results in bank making more money on more fees. On XX/XX/XXXX I had a positive balance yet on XXXX XXXX a fee was charged for item not showing pending that was not on debit card? I also complained of XXXX payment I didnt authorize in XXXX that later was credited XXXX XXXX your company still didnt respond or credit the overdraft fee. This is without question excessive to charge XXXX in XXXX alone with 23 overdraft fees! Thats more than some peoples Rent or mortgages. 
We have paid over {$2200.00} in fees since XXXX which is more than outrageous!! I have called and emailed only to be told the bank can not waive fees fee for the even even though our direct deposit will cover in a few days and they will not necessarily pay more than 3 a day and not charge a fee and can wait for a return thrn charge fees and charge fees on the small amounts and return utilities and important bills at there choosing and pay them later and charge 3 more fees if they choose.so when I ask about the 3 fees a day limit they say it really doesnt mean anything. Omg

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 2023-09-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
since XX/XX/2022 Credit score Account Removed XXXX XXXX XXXX XXXXXXXX A account removed from your file Between XX/XX/2022 and XX/XX/2022, your account account with XXXX XXXX XXXX XXXXXXXX XXXX was removed from your credit report. 
Since this account is no longer on your credit report, its details won't be factored into your credit score. Accounts can sometimes be removed due to things like disputes and reporting errors.Credit Inquiry Removed A hard inquiry was removed from your file.

I previously notified that I'm a victim of identity theft and requested that you do the following close that unauthorized account remove any charges on the unauthorized account and take steps to remove information about this account from my credit files. I still have not received writing confirmation about this action as I stated before I'm a victim of identity theft and I recently learned that my personal information was used to open an account at your company I did not open or authorize this account. and I requested it it be close immediately please send me a written confirmation that I'm not responsible for charges on this account and take appropriate steps to remove information about this account for my credit files. I have enclosed a copy of my Federal Trade Commission identity theft report because the information you are reporting is the result of identity theft and inaccurate I requested you stop reporting this information to the CRA S as directed by section 623 of the Fair Credit Reporting Act 15 USC and I ask you to take this step as soon as possible I also have a enclose a copy of the Federal Trade Commission notice to the department of Child Support Services which explains your responsibilities when reporting information to the CRA s please start reporting this problem information and investigate this matter and delete any dispute item as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to JPMCB AUTO XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or JPMCB AUTOs customer service representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Prosper Marketplace, Inc.
State: NH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/2023, I responded to a prequalified loan offer from prosper.com. I filled out their requested personal information and submitted the online forms. I received another email asking for my bank information so they could, I assumed deposit the loan into my account. I submitted the information to them ( routing number & bank account number ). I received yet another email asking if I wished to get accept my loan ( which I did ). Sometime later I received another email informing me that they were sorry that they could not offer me a loan. I am very angry as they represented this as XXXX a prequalified loan XXXX. This would not affect my credit score, but when I check my credit score there was a hard inquiry placed on my report. XXXX. They have my bank information as well, which they should not have, as there is a potential risk of a data breach ( and data breaches happen often ). I have retained the emails I have received.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA
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:
Toyota XXXX Toyota financial services has reported incorrectly a 30 day late pay for XX/XX/XXXX. I advised the company that my credit report shows a 30 day late for both XXXX and XXXX and I was initially advised that the XXXX late payment was incorrect as the payment posted on XX/XX/XXXX and that It would be researched. Research was completed and I was advised the credit reporting is correct and it reports 30 days behind meaning that my XXXX and XXXX payment were past due. I was always under the impression that credit reporting reflects current date and not 30 days behind. my XXXX payment was deducted from my account on XX/XX/XXXX, XXXX payment on XX/XX/XXXX.. XXXX payment was indeed past due with XXXX payment postin XX/XX/XXXX ... my payments are due on the XXXX of each month. I was then advised my the rep that it was difficult to see when the payments actually posted because of the late payments. this is the second time I have had an issue with the Toyota reflecting on my credit report incorrectly and that time they also initially indicated there was no error. please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Wells Fargo sent out super checks with promotional material that said that I would have no interest for any check I used for 15 months and that there would be a 4 % upfront fee. I wrote one check for {$10000.00} in XXXX and one for {$3000.00} in XXXX. The 4 % ( {$540.00} ) was added to my balance. I paid off any regular credit card charges every month but I kept on being charged interest. I called and they told me that was just how the system worked. I have called multiple times and have been progressively moved up the chain but the answer remains the same. The super checks totaled {$14000.00} and my current balance is {$13000.00} and I continue paying interest every month even though I stopped charging anything on my account months ago. My complaint is how can I owe interest when the balance is lower than the amount I wrote the checks for plus the 4 %. And if it is just the way the system works then how many of the thousands of other people who did this are also getting charged interest on their no interest supercheck offer?

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 2020-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are several items that are inaccurately reporting on my credit file. The following items are reporting either in error or as a result of identity theft : Incorrect Name : XXXX ( Transunion is reporting this incorrect name spelling ) XXXX  - XXXX XXXX - According to TU Open date XX/XX/XXXX and According to XXXX  Open date XX/XX/XXXX Bal : {$740.00} XXXX XXXX - XXXX ( reporting on TU, XXXX, and XXXX  ) TU has an opened date of XX/XX/XXXX and XXXX  and XXXX  has an opened date of XX/XX/XXXX. 

Unauthorized Inquiries : XXXX, XXXX XXXX, XXXX/XXXX  XXXX, XXXX XXXX ( 6 times ), 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 ( 2 Times ) I was never late on my XXXX XXXX XXXX XXXX in XXXX or XX/XX/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 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Opened XXXX XXXX, 2017 Balance {$50000.00}

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 2021-06-25
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Wakefield and Associates /Revenue Recovery Corporation has violated the FCRA by not providing me documents to me in regards to this debt and my HIPAA rights because I do not recall giving permission to even release my medical information to them. This account is unverified and immediately needs to be deleted from all my credit files : XXXX XXXX, and XXXX The business is to disclose to me ALL signed documents they have recorded and retained in their files that pertain to this debt. If Wakefield and Associates Revenue Recovery Corporation does not have any documentation, they need to retract this from my credit file immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: SYNCHRONY FINANCIAL
State: NY
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:
I notified the company on XXXX that there were fraudulent charges made to my account dating back to XX/XX/2016. At the time I opened the account I had only used it sparingly. I never received any statement of account in the mail or otherwise. The claim was referred to an investigator within the company to substantiate my claim. Since then, they have denied, and I have requested them to reopen the claim 3 separate times. I have never received any request for other information or affidavit in response to the charges in dispute. Finally, after 3 separate investigations, and many phone calls, and letters to Synchrony Bank ( PayPal Credit ), I received on XXXX, that based on the information they have so far, they have approved my claim. 
However, as stated in previous notifications from them, they never, and still have not issued provisional or permanent credit to my account from the disputed charges. 
I contacted them in XXXX and XXXX to notify them that they were still reporting my account in both my billing statement and to the credit reporting agencies as $ 4K+ over-limit. 
I wrote to Synchrony on XXXX to officially document my experience and to put them on notice for continuing to bill me while the investigation was in process and requesting that my account reflect the amount it was on XXXX, and report to the credit bureaus the amount on that statement of XXXX CR. They never replied to my letter aside from the form letter received two months later that the investigation was complete, but could continue for another 2 months.

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 2022-07-25
Company: Experian Information Solutions 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:
15 USC 1681 section 602A I have the right to privacy 15 USC 1681 section 604A It also states a consumer reporting agency can not furnish an account without y 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
Consumer complaint received 2020-06-19
Company: Open Dealer Exchange, LLC
State: MD
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:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX from the XXXX Dealership located at XXXX XXXX XXXX, XXXX, MD XXXX. I authorized only this company to hard inquire about my credit report once. Without my consent, 700 CREDIT inquired about my credit report twice on the same day. I did not approve for two separate inquiries.

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 2023-04-18
Company: AMERICAN EXPRESS COMPANY
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:
In accordance with the Fair Credit Reporting act XXXX Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation