BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
hard inquiry on XX/XX/2023, i did NOT apply for a credit card. reported as fraud

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 2020-12-19
Company: SYNCHRONY FINANCIAL
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
In XX/XX/2020 I filed a dispute on a charge of XXXX on me by XXXX. The issue was primitive : I returned merchadise to the store/REI, but the store did not refund me for some reason. The payment was done through XXXX, so I filed a dispute through XXXX. But XXXX was unable to process the dispute on this privative issue for 5 months, but kept it on hold. Then in XX/XX/2020 I filed a claim on my bank 's credit card. The bank refunded me honorably. After that XXXX began processing but not my 5 month old dispute. XXXX froze my XXXX account and made a claim that I have to send a check to XXXX on {$65.00}. This appear to be a blackmail and fraud by XXXX. In addition XXXX 's customer service is not functioning : after a few automated messages the call is automatically hang up. Apparently, the company of XXXX is not functioning. I want to close all my accounts with that business but XXXX is totally out of reach.

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 2023-02-03
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:
Hard inquiries I do not recognize.

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 2018-09-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Since XXXX of 2018, I have been attempting to get a copy of my credit report and file disputes. I have been able to send in letters for dispute and receive e-mails from Equifax that my disputes are available to review on line. 

However, I am never able to go online due to the system being down each and every time. 
I have made numerous calls to Equifax and always get the same response. The system is down for repairs and I always state the same thing how long will the system be down because I have been trying each week for months and now it has been 9 months. 
Equifax says keep trying. 
I am never able to view any results and I am always asked the same questions about my report. I don't know some of the answers because I am not able to view the report. 
It has affected employment due to an investigation into my Equifax reporting incorrect information. 
To date, I am still not able to view anything online and I paid for access to the reports thinking this would resolve the problem, which it hasn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: ALLY FINANCIAL INC.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I took a hardship extension for 3 months due to Covid19. I was told that those payments would put to the BACK of my loan. I have now noticed that when I restarted my payments up in XXXX, Ally is applying my ENTIRE monthly payment towards interest. So why am I paying double the interest if when I was told that those payments would be put to the back of my loan? How does this make any sense? No one ever explained this to me. I am already suffering and now this on top of everything else. This company is bias and I would not recommend that anyone do business with them. This has put me deeper in debt with this lender and for the past 3 months all I have been paying is interest. BUYER BEWARE.

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 2019-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
There are several accounts on my credit file that I did not open. I'm not sure how these companies allowed someone to open accounts without my consent. I would like for the several companies to please provide CFPB and myself the applications used to obtain credit and along with a copy of the identification that was used. XXXX, Transunion and XXXX has reported this information to my credit file in error. The account are as follows : XXXX/XXXX/XXXX XXXX/XXXX/XXXX, XXXX XXXX, XXXX XXXX ( 2 accounts ), XXXX XXXX XXXX and XXXX XXXX XXXX. Also there are many inquiries on my credit report as well please remove them as well from XX/XX/XXXX,XX/XX/XXXX and 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 2022-10-30
Company: EQUIFAX, INC.
State: OH
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:
Its been 30 days I havent received any help have tried to contact a variety of ways if the CFPB can not help me I will have to contact the attorney general or someone of higher ranking I put a dispute in last time and it never showed up even when I got a confirmation number. As for Equifax I need them to merge my files XXXX must have created another file instead of posting the line on my existing file. I need it reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
You are reporting the following collections with a past due amount. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed. 

- 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 2020-01-23
Company: CL Holdings LLC
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: Old information reappears or never goes away

Complaint:
Jefferson Capital System has inaccurately aged a collection account they purchased from XXXX XXXX as new debt in an attempt to continue collection activities. Despite having disputed this information with credit reporting agencies and directly writing to Jefferson Capital ( with no response ) they refuse to provide any information to justify attempting to collect beyond the seven years from date of default with the ORIGINAL creditor, not seven years from when the collection agency purchased or has consigned the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I need the following items to be corrected or deleted immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-05-02
Company: CAVALRY INVESTMENTS, LLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Cavalry Porting Services, LLC is reporting a collection account I am not responsible for due to identity theft. 

Amount : {$1400.00} XX/XX/2022 I sent a letter out to all 3 credit bureaus XXXX, XXXX, XXXX to investigate and it came back verified. They didn't provide any supporting documents such as original contract, my ID, my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I applied for benefit around 2021, I'm yet to be issued a XXXX prepaid card till date and i had XXXX on the card. I really need money a lot please let bank of America kindly do something about it thank you.

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 2022-07-05
Company: EQUIFAX, INC.
State: TX
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Upgrade, Inc.
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
I had an account with this company. I had a {$1000.00} line of credit attached to a card. It basically acted like a credit card. I moved to another state and tired to update my address. They refused to update my address. I was told that a supervisor had to call me. I was never contacted by the supervisor. I reached out again and the told me that they would have a supervisor reach out again. I never got that call. I then called and told them to just close the account if they are unwilling to do a simple task like updating my address. I was told my account would be closed within 24-48 hours. A few days later, I got two emails from the company. The first one said that my account had been closed, and the second one said that my account had been opened. I then reached out again and they told me that there was some error in their system, and that they would put in a request to have my account closed. I have continued to get statements for this account. I called them again, and they stated that the account is closed, but that they will be keeping my online account open for 5 years. The online account states that my card is still active. I don't this line of credit to be accessed by anyone, and the only way I can do it is to make sure that the account is actually fully closed out. I do not think that there should be an open account that is just floating around in cyberspace while they claimed that my line of credit is closed. It feels like identity theft waiting to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 discovered in XX/XX/2023 that inaccurate transactions between a financial institution and consumer which is nonpublic personal information was furnished on my consumer credit report and without my written consent. I have filed an FTC 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 non-monetary relief
Consumer complaint received 2023-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
All 3 credit bureaus is purposely keeping my credit score low. My credit score has always been in the high XXXX now its hovering around XXXX for over 10 years now. I disputed past collection that was already paid. Yet theyre still reporting that incorrect information. I feel the credit report agency is discriminating against my credit worthiness. Theyre still reporting old addresses to purposely keep my score low. All 3 credit bureaus has cost me thousands of dollars in the past from various loan companies. Please look into their unfair practices. Its unfair how they have the power to keep my income down and to destroy my livelihood of making my credit outstanding to get future loans. Thank you

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 2019-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XX/XX/2019 I contacted Capital One Banks corporate office in XXXX Delaware about an issue with my statement. I am old school at XXXX and do not want that information on my devices. They changed up the accounts with the old statement cutting off mid XXXX and the new one I received starting XX/XX/XXXX. I asked for an e-mail or hard copy of the missing transaction period and my request was denied because my husband is the primary. This is a joint checking account which was mine before we were married 37 years ago in XXXX. The bank has sold several times but at NO time did we designate a Primary account holder. If we had, it would have been me because my husband depends on me to take care of our finances. The point though is that this is discrimination. He was arbitrarily chosen because he is male. What if he died. I could not control my banking. Conversely, if I was primary and he died then he could not control finances. That is why people set up joint accounts as XXXX OR XXXX. Just because you have a new computer system does not mean you can make financial decisions for people. I do know that I could set up the account on line and have access but do not believe forcing people to expose themselves in this way is fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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, Account # unknown has violated my rights 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency many 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 2023-06-09
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
When i first talked to the dealership, i was mislead by the salesman about everything, from the payment to the interest rate and the price. He didnt go over any of the paperwork nor did he give me a copy of them. The vehicle was only worth {$1800.00}. Per book value but they charged me over {$6000.00} for it and it also had over XXXX XXXX miles on it. I have jad to replace multiple parts and now the engine is blown in it as well as transmission issues. I am on a small income and now cant afford to get it fixed. So now i have a vehicle that i have to pay for and cant even use or move. I need my vehicle.

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 2021-08-19
Company: Santander Consumer USA Holdings Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Class Action Lawsuit against Santander USA during this time against the Fair Credit Report Act ( FCRA ) violations or Fair Debt Collection Practices Act ( FDCPA ) violations. 

Negative remarks are crippling my score from a XXXX+ to a XXXX when pulled for a new auto loan. 

Only negative remark on my score. Account has been closed for over 5 years. 

This is crippling in today 's society. 

Acct : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I submitted dispute letters to XXXX, Experian, and XXXX  notifying them of the accounts that did not belong to me on XXXX. I have yet to recieve a response or credit report. The bureaus are in violation of my consumer rights. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). The disputed items are entirely inaccurate and incomplete, and represents a very serious error in 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 explanation
Consumer complaint received 2020-10-28
Company: Credit Solutions, LLC (KY)
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/XXXX I had a sever XX/XX/XXXX I could not get into see my family doctor. I called my insurance at the time. They recommended a urgent care facility instead of an emergency room. The cost would be less. I went to the urgent care which was in my provider list. When I arrived they checked me in took my XXXX co pay for urgent care. I saw a PAC who sent a prescription to my pharmacy. There were no tests or further interaction. I went home, about 3 months later I received a bill from XXXX XXXX XXXX in XXXX Oh, the amount was XXXX. I called my insurance and they told me that the billing was incorrect and that XXXX billed it as a XXXX, that copay would have been XXXX. I called XXXX and told them they needed to resend the bill as they had collected my copay from me as a urgent care. They said they would send it back thru. I only had the insurance until XXXX of that year I then turned XXXX and my insurance went thru XXXX. I did not hear anything from anyone on the bill until XXXX on XXXX. A collection agency sent me a demand letter for the XXXX. I called them explained the issue. They deemed it uncollectible. Again a period of time went by about 18 months. Then I received another demand letter from Credit Solutions of Kentucky, I again called explained the situation, they told me that XXXX said I owed it and if they said I owed then I did. I said I was not paying it. I started getting phone calls daily, I finally told them I was not excepting anymore of their calls and the woman told me the calls would not stop. And they did not they call sometimes several times a day some weeks every day. I am not going to pay this I do not owe it. I have kept my call log since XX/XX/XXXX when she told me that the calls would not stop. I answered one more time and told them that they can take this issue to court I would be happy to take the issue before a judge. I want the harassments to stop.

Company response to consumer: Closed with explanation