BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX and Transunion are reporting incorrectly a collection/charge-off in the amount of {$13000.00} on the XXXX XXXX CU partial account number XXXX. ( Please see page attached from my credit report. ) First, the balance reporting is incorrect ; and Second, this account has since been sold to a third party and therefore can not be reporting on my credit report. This is a violation of the Fair Credit Reporting Act and is mandated that this be removed. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
We purchased a car from XXXX XXXX, XXXX XXXX, CA on XX/XX/XXXX. We paid cash for the vehicle and made it clear to the dealership at all times that it was our intention to pay cash. The dealership refused to take cash without getting a credit score. I provided them with my drivers license and SSN so that they could verify my credit score. Instead they ran a hard inquiry for a loan. This inquiry will remain on my credit report for two years. I spoke with XXXX in Sales at XXXX XXXX who said it was company policy to run the credit inquiry as a loan request even if no loan were needed. 

I asked him to correct the info to reflect that we did not request a loan. He refused. 

I called back and asked to speak to someone in the finance dept. I was told that there was no one else who could address my concern. 

While the dealership is certainly within its rights to protect itself, it is deceptive to put info into the system that we applied for a loan and to have it remain in the system for two years when that information is false. 

I would like the dealership to correct the misinformation that it put on my 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 2022-12-11
Company: Experian Information Solutions Inc.
State: NJ
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 : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2020-01-02
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Their website is broken and they are not responding to requests to fix it. 

The company has a misconfigured website and I am unable to pay online. Their DNS configuration is wrong and needs to be fixed. I have emailed them several times about this and have had no response. You can see other complaints online about their broken website and it is still not fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: EQUIFAX, INC.
State: DE
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX  XXXX XXXX Balance : {$1200.00} XXXXXXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$400.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX ) XXXX {$150.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$2500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$250.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX CAPITAL XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX XXXXLL # XXXX 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 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 2022-01-24
Company: LEXISNEXIS
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Team, In XX/XX/XXXX, I informed Lexis Nexis ( company that maintain XXXX insurance report for consumers ) about a potential mistake in my report. This report was showing 3 'at fault ' accidents on my name where I never driven before. After multiple email exchanges and phone calls with long wait times, i found that my whole report is mixed up with another person who has the same name and DOB as mine. That person was involved in accidents and hence, this was appearing on my report. I sent multiple requests to Lexis Nexis to fix my report and they assured that it will be fixed. 

Now it is XX/XX/XXXX and my report is still the same. I recently ordered a fresh copy of my report and it is still showing the other person 's info. Clearly, LexiNexis never investigated the issue other wise they would have easily figured out two separate SSNs on one person 's report. This is highly unacceptable as Im facing issues because of this errored report maintained by LexisNexis.

Im requesting you to please look into the matter and take action against LexisNexis as they are falsefully maintaining consumer reports and making money while the consumer is suffering. 

My details are - Name : XXXX XXXX State of residence : Michigan D/L number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: Self Lender Inc
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I open an account with XXXX XXXX XXXX of New Jersey back on XX/XX/2018, it was reporting to XXXX for a few months then stopped. I have contacted the company which they stated that they have been reporting to the credit bureaus every month but the bureau is not listing this account & my payment history. I have called & they tell me to contact the furnisher of the information ask to have the account reinserted which I have done over five times.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/XXXX Ombudsman Case XXXX states : my Navient account is in deferment until XX/XX/XXXX. Two loans in my account were put into repayment status since this without my permission/consent. Navient has again ballooned principal balances on my most expensive loan and another loan in a fraudulent, criminal manner. It continues to mail documents it will not include on its website as documents we 've sent to you. It will not include on its website any documents I 've sent to it. A Navient Advocate writes in email it will get back to me after a different mailing from XX/XX/XXXX and did not get back to me. I have requested only written communications with the office of the advocate. Written email communication is not made available to me by the office of the advocate. Navient is continuing to create XXXX XXXX and hardship to my by refusing to service my loans according to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a Bank of America travel rewards card for some time since XX/XX/2021... I kept the balance low or paid in full. For some reason after have this card for years they suddenly closed the account without warning. This card was kept for purchases and possibly emergency situations. The card was in good standings but for some unknown reason, the bank decided to close it. As a result, this caused my credit score to drop. Sure, over all those years of having the card, I faced some hardships like many other people do but I was not late on the account many times. Nor before closing the account, had I been late for some time. The account was being used responsibly and had an ending balance of XXXX. So I'm trying to understand why would they close this? This was an unfair move by this Bank and I would like my account to be re-established.

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 2022-01-24
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Received email on XX/XX/2022, stating that my credit limit would be decreased. Amex said that I could avoid the credit limit increase by paying {$1600.00}. I telephoned Amex, and spoke to 'lending department ' ( based in XXXX  because there are no US representatives for lending ). Representative stated there were no late payments in last year ( stated he could not go back further in time ), and no negative comments ; " account in good standing ''. 
I stated that I perceived the email as a 'demand letter ' for a payment of {$1600.00}. The representative denied that it was, stating that I could avoid the reduction in credit limit if I paid {$1600.00}. 

PS. I have looked for email ( in computer trash ) and can not find it. I will keep looking.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
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: Credit inquiries on your report that you don't recognize

Complaint:
I had received my credit report and seen that on the report there were inquiries that I did not authorize, so I called the companies and asked why they did a report on my credit, they all stated they had not done a credit report and have no idea what I am talking about, at one of the places XXXX the girl that spoke with me stated her company has me know were in there system, so I called experian credit reporting agency, the man was so rude and XXXX  and said did I purchase a car last year and I said yes with XXXX he said oh well they can run my report with out my permission, I stated no they can not, he said they do it every day and they can not take off the inquiries, I said I gave none of these companies permission to run my credit and actually when I spoke to these companies they stated they did not run a credit check. so how are these credit companies allowed to do this? say they ran the credit when they didn't and also with out permission? so they can keep credit scores down to help charge higher interest rates.

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 2023-04-10
Company: CREDIT ACCEPTANCE CORPORATION
State: RI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Credit Acceptance has violated my consumer law rights under the FCRA. The laws that Credit Acceptance violated are listed below with an explanation.

15 USC 1662- Credit Acceptance required a down payment of {$3000.00} when this law states that no advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges down payments in that amount.

15 USC 1635 ( a ) - Credit Acceptance FAILED to disclose my right to rescind which is a violation to my consumer rights.

15 USC 6802 ( a ) - Credit Acceptance did not disclose in writing nor in electronic form that an alleged debt will be disclosed with a third party in this case which is XXXX, XXXX, XXXX. 

9-506 : EFFECT OF ERRORS OR OMISSIONS NOT RECEIVED.

9-611 : NOTIFICATION BEFORE DISPOSITION OF COLLATERAL WAS NOT RECEIVED.

9-612 : TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL WAS NOT RECEIVED.

9-613 : CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL WAS NOT RECEIVED.

9-616 : EXPLANATION OF CALCULATION OF SURPLUS OF DEFICIENCY WAS NOT RECEIVED.

9-619 : TRANSFER OF RECORD OR LEGAL TITLE WAS NOT RECEIVED.

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 2022-01-24
Company: Experian Information Solutions Inc.
State: NY
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 have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
I am writing to you with great frustration and concern about the continued presence of fraudulent items on my credit report. Despite my numerous attempts to dispute these items, they persist, causing significant harm to my financial well-being. I demand immediate action to rectify this situation. 

I have initiated disputes for these fraudulent items on multiple occasions, and yet they remain on my credit report, causing distress and limiting my access to financial services. Despite providing comprehensive evidence to support my claims, there has been little to no progress in resolving this issue. 

The presence of these fraudulent items has had a severe impact on my financial life. They have significantly lowered my XXXX XXXX, making it difficult for me to access loans, mortgages, and other financial opportunities. As a consumer, I have the right to an accurate and fair representation of my credit history. 

I urge you to treat this matter with the utmost seriousness and urgency. I am enduring ongoing financial difficulties due to these inaccuracies, and it is crucial that you take prompt action to correct the situation. I request the following : An immediate, comprehensive, and impartial investigation of the fraudulent items in question. 
Regular updates on the progress of the investigation. 
Immediate removal of any inaccurate or unverifiable information from my credit report. 
A formal, written explanation of the results of the investigation. 
I trust that you will address this issue promptly and effectively. Failure to do so may compel me to take legal action to protect my rights as a consumer. 

Enclosed with this letter, you will find copies of the evidence I submitted during my previous dispute attempts for your reference. Please acknowledge the receipt of this complaint within 15 days and inform me of the steps being taken to resolve this matter. Please assist me to remove these following fraud items in my credit file : 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 2023-07-27
Company: Block, Inc.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My XXXX Bank And Cash App account was hacked on XX/XX/23 out of {$3000.00}. 
I originally called XXXX bank to verify my account because I wasnt able to log into my account or receive funds from my clients. I ended placing myself in the call back waiting pool. To were a representative was suppose to call me back and verify my account. Someone called me back but it turned out to be someone acting as a XXXX representative the guy had me download a remote app to were he gained access into my cash app account. He originally sent {$3000.00} to my mom she calls me while on the phone with him to tell me I sent the money to her. I stated I didnt, so she refunded it back to me to were the money was now in cash app account. He sent the money to a XXXX XXXX. I immediately called cash app to report the incident. They insisted to reach out to chime and stop the payment since it was pending. I did just that and filed a dispute. The dispute took up to a month. Only for chime to close down my account before the dispute in their end was finalized. Cash app denied my claim stating I sent the money to the person that hacked my account. If both banks did proper investigation they would of found out that I never sent over {$500.00} to nobody let alone the stranger.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Emails from Transunion that are unsolicited and attempts to stop them on line fail and attepmt to have Transunion stop them by telephone call I am told they have no control over them and I must do that on line.

As I say the online 'unsubcribe featuer in the email do not do anything but time out.

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 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate 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

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