BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-29
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: Credit inquiries on your report that you don't recognize

Complaint:
The following inquires are on XXXX and Transunion Reports and I did not authorize. I have called the companies and have been redirected to the credit reporting agencies to remove inquires from credit or directed to CFPB to file a complaint. I also contacted XXXX and Transunion and was directed to file a complaint with CFPB. Below are the Inquires with the credit reporting agency. 

XXXX Credit Bureau XXXX XXXX XXXX XX/XX/2022 XXXX - XX/XX/2022 XXXX- XX/XX/2022 XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 Transunion Credit Bureau XXXX XXXX XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 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 2021-06-10
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: Was not notified of investigation status or results

Complaint:
It has been nearly 60 days. I have sent XXXX  a request for explanation as to why my score has dropped 37 points. They are reporting " Too Many Consumer Finance Company Accounts '' this is something new that XXXX  is placed on my bureau to intentionally lower my score. I have not opened any new account and I do not have any high risk loans in my name. I don't have any Pay Day loans or anything of the sort, I have nearly paid off ALL my credit cards and my auto loans are free and clear. All my loans are either with a Credit Union or a reputable FDIC national bank and I have no department store cards therefore there is nothing that should be on my credit listed in this manner bringing down my score. I have asked XXXX  to identify said " Too Many Consumer Finance Company Accounts '' and they have failed to do so. XXXX has failed to provide me with the required information for me to dispute. I believe XXXX  is intentionally lowering my score because of my ethnicity. For XXXX  to continue to report inaccurate information its a defamation of my character and a violation of the FCRA and FACTA.

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 2019-02-08
Company: Alliant Capital Management LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I never received a phone call from the company but they have been calling my wifes phone and she returned their phone number and gave them my number but they still call her and not me so I contacted them and reached a voicemail in which I told them I have not received anything from them and I want a Debt Validation Letter from them. Months went by still no Debt Validation Letter but then I received a voicemail on my wifes phone saying They have tried to serve me  court documents and that I was being sued and this is my last contact. Not only have I not received a debt validation letter but I have never received any written documents just threatening phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: The CMI Group, 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:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights.

15 USC 1681 Section 602 States i have the rights to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my wriiten instructions.

15 USC 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have submitted too many complaints with CFPB regarding my issues with Experian. Incorrect information still appears on my credit report. On XX/XX/XXXX, my information was put on the dark web. Experian then locked me out of my account and stated I needed to pay {$19.00} a month to access my account to get the details about the fraud.I continue to have a problem with Experians investigations into existing ongoing problems. My information is sold to third parties - continuous improper use of my report, shared my information without my consent, receive inquiries from unknown sources. Currently, I am unable to gain access to a credit report or credit score. I currently do have a problem with fraud and the identity theft protection service XXXX XXXX  is suppose to have came with {$1.00} Million in Identity Theft Insurance - my information was sold to the dark web and Experian did nothing. My phone number was sold to the dark web and Experian did nothing. My email address was sold to the dark web and Experian did nothing. I just got an email stating new address associated with SSN - can't respond to the alert as I can't access the account to find out what is going on.

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 2017-10-04
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Delta sky miles American Express card Signed up for card with delta agent at airport for XXXX miles -also received delta mailing with XXXX offer ( thought it was welcome kit ) also received card and separate mailing with pin. when I called to activate card and confirm I received offer of XXXX miles with $ XXXX purchase in 1st 90 days - Advised by Amex rep I only have XXXX mile offer - and she could/would not change - I asked for manager - she advised none avail all in meetings. After over 30 min requesting correct offer and supervisor - rep advised she would file case for me. She advised it would take 8 weeks - ironically- offer would expire by time case resolved - I feel I have been deceived and scammed. Rep not helpful and not willing to escalate to supervisor. I requested supervisor call back after XXXX XXXX next biz day - recvd call at XXXX XXXX - advised I could not take call during work - asked for number to call back and supvr name - advised she would/could not give her number and I requested call at XXXX Now XXXX XXXX no call from Amex - i feel this is extremely deceptive - classic bait and switch - offered one promotion and not enrolled properly - I offered details and still denied the appropriate offer. Amex case process does takes 8 weeks so participants can not earn XXXX reward. Big company making it so difficult to resolve issue that consumers give up! Please help consumers stop the bullying by big financial services companies!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: EQUIFAX, INC.
State: IN
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: Was not notified of investigation status or results

Complaint:
I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX / {$5400.00} / XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: PNC Bank N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I am a former Simple Bank customer, which transferred all customers to BBVA USA mobile banking in the summer of 2020. I called BBVA USA on XX/XX/XXXX to reverse overdraft fees for an erroneous credit card transaction. They did so and confirmed that overdraft protection was on my account. 

The next day, BBVA USA assessed two return check fees for automatic transfers of {$250.00} a piece citing " insufficient funds. '' The problem, however, was existing funds of at least {$400.00} were in my account the night of XX/XX/XXXX. In addition, overdraft protection was turned on that day to restore my account to the standard that Simple Bank once had. The customer service representative I spoke to confirmed that overdraft protection was on on his end, but that I would need to step into a physical branch to confirm the actual amount of overdraft protection. 

Despite this confirmation, for some reason, BBVA USA denied both automatic transfers rather than just on XX/XX/XXXX. 

More than sufficient funds entered the account the morning of XX/XX/XXXX to have satisfied any overdraft demand of around {$100.00}. 

Overdraft protection has been automatically on for Simple, but, somehow it was turned off when my account was transferred fully to BBVA USA mobile ( without my consent and as part of an automatic merger between the Simple Bank on-line platform and BBVA USA proper ). Overdraft protections were on XX/XX/XXXX after my first complaint, but this protection was not in operation when two new fees hit my account on XX/XX/XXXX. 

BBVA customer service tried to negotiate me into accepting one of the fees, claiming that an insufficient balance of {$60.00} existed, whereas a balance of at least {$400.00} actually existed for two separate automatic transfers of {$250.00} a piece.

All consumers should be aware that BBVA USA plans to transfer these accounts to PNC. They do not have a consistent policy regarding.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-04
Company: Experian Information Solutions 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 information incorrect

Complaint:
Experian XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX This complaint involves Experian and their failure to remove an incorrect account as noted above. 

I have never had an account with XXXX ending in XXXX. At one time this some account was reported on all three CB 's ; however, after contacting XXXX and XXXX  informing them this was not my debt they both removed. 

Not so with XXXX ending in XXXX, I have repeatedly requested evidence of the debt which they have have not provided because I have never had an account with XXXX ending in XXXX and Experian upon written request has not removed incorrectly reported account, nor provided evidence of debt because they are unable to due not business relationship on my behalf with XXXX for an account ending in XXXX. 

Experian has failed to adhere to law related to credit reporting, fairness to the process and performed poorly as corporate citizen in this regard.

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 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 XXXX XXXX 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 2017-10-04
Company: MAS FINANCIAL SERVICES, INC.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On X/XX/17 MAS Financial contacted a friend regarding my car loan. At the time the loan was 22 days past due. This company has recorded messages that they sent 4 times a day on the second of the month when the loan is due on the first. I requested that my due day be extended to later in the month and they said it had to go to a committee and they would send paperwork. I asked a second time and never received the paperwork. When I received the loan they would not approve unless I gave them 8 references, which they used to call my friend. I have always paid a little late because I am XXXX yrs old on SS and the first does not work for my payment schedule. I have told them this and they still continue to harass me. I received an email from them and I wrote back with the time and amount I could pay and they said they ca n't take email arrangements. I wanted it in writing because they are despecible and not trustworthy. I called a supervisor they told me to call and they did n't answer their phone so I repeated the arrangements in English. I have received messages from a XXXX, who also called my friend, and it is all in XXXX. I speak english I have no idea what they are saying. They over stepped by calling a friend concerning my loan on a 22 day late loan. I think they should be investigated.,

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: EQUIFAX, INC.
State: NY
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to XXXX you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Whom ever rendered these services was not I XXXX XXXX!! Never had this service and or authorize any services for another party! This has hurt my credit score dramatically, and also my trying in other endeavors as of car purchases and credit building credit cards, ect.. please help remove these fraudulent statements on my transunion credit 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 explanation
Consumer complaint received 2021-06-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
For over 12 years now, I have summited identity theft on my credit reports, I haven't received any info. On how to solve the issues, but I am certain I know who is using my name, her name is XXXX XXXX, her maiden name is XXXX XXXX, she always was married under the name XXXX, then XXXX XXXX XXXX, I am certain this person is still continually using my identity please help me cease this person 's actions regarding my name

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Byrider Franchising, LLC
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I have an auto loan that XXXX signed for in XXXX for my daughter. The car was repossessed in XXXX. I have tried to contact the company, CNAC on several occasions. The number that they pricier that is listed on my credit report, ( XXXX, is always busy. I spent a week trying to contact the number everyday. I looked up the company on the internet and called it, ( XXXX ) XXXX XXXX. I was told that they could not pull up the loan, and to call ( XXXX ) XXXX. I called that number and it was the XXXX. I was told that they handle loans for banks that have closed. the lady, XXXX, informed me to make a complaint, because she had received several calls from other consumers from CNAC. I was also given ( XXXX ) XXXX. It was XXXX XXXX XXXX credit card account. This vehicle was almost paid for. The amount they gave me when the repossessed it was {$3000.00} to settle the debt. But now, I have over {$7500.00} on my credit report. I am trying to contact them for a settlement credit. At this time, I have no way to resolve this issue with CNAC, and can not obtain a vehicle for myself with this late amount on my credit XXXX every month. Because it has been so long ago, and it was my daughter 's car, I have no loan information that I can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: EAST WEST BANK
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I supposedly wired money to a fraudulent broker. However, I wired my money to an account with East West Bank- a US based account. They should have done a KYC check, and would be responsible for protecting consumers from fraudulent scams and fraud bank accounts. Loss amount {$370000.00} via wire transfer in 3 separate occurrences to 2 different accounts all by East West Bank. They are engaging in money laundering, letting a fraudulent broker operate with multiple East West Bank accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a auto lease debt from XXXX XXXX I cant say this more emphatically, I have never had a XXXX XXXX  account in my life and could you please remove this immediately. Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP

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 2017-10-04
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: Account status incorrect

Complaint:
I have been trying to get XXXX XXXX XXXX to remove inaccurate credit reporting information for over 4 years. Recently, because of an investigation by the credit report agencies and XXXX XXXX it was discovered that my mail forwarding address from XXXX XXXX, when the loan was transferred to XXXX XXXX XXXX, was inaccurate. I have never lived at the address listed from XXXX of XXXX and did not receive mail at my correct address during this time. As a result XXXX XXXX put my account as delinquent without any notification having been received. My account has since remained in good standing. I have tried to have this resolved NUMEROUS times filing disputes, talking to supervisors, and even getting the XXXX involved to no avail. XXXX XXXX servicing always says that the reporting information is correct when in fact it is not. This violates the Fair Credit Reporting ACT which I have made them aware of numerous times. THEY ARE NOT COOPERATIVE AND DO NOT PROVIDE ACCURATE INFORMATION. This has caused me great financial distress. I have been denied auto loans and could not secure housing because of this on going issue.

Company response to consumer: Closed with explanation