BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-10
Company: Talbot, Adams, & Moore, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I was contacted by an contractor representing XXXX XXXX XXXX 2yrs that the loan was not paid I made arrangement to make the payment and I did. And then 2yrs later someone else contacted me about not paying the same debt so i paid again and every 2yr someone keep trying to collect on the same debt. After the second time however I kept my payoff documentation I tried contacting the company about it but they said they don't have it on file.

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 2020-04-29
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
XXXX, Equifax and XXXX  are reporting a bankruptcy on my credit report, as verified. The XXXX District of Illinois does not provide data to 3 party companies/vendor

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$990.00}

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 2023-03-31
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This is a complaint against XXXX and Transunion This is regarding XXXX XXXX pulling my credit without my authorization. On the XXXX of XXXX, XXXX I received a call at XXXX XXXX from XXXX XXXX XXXX ( phone XXXX XXXX  XXXX XXXX ) offering a pre-qualified loan, without mentioning the amount. The person that I talked to said that one of the requirements was to have a cars title under my name, I said that I dont have a cars title as I use the car provided by my employer. After that the call hang up and I did not hear from them anymore. Later that day I received an alert from XXXX XXXX  saying that I have a new inquiry. I checked my credit report and I noticed that XXXXXXXX XXXX XXXX pulled my credit without my consent. I also noticed that the same company pulled my credit in the past without my authorization in the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I m asking to remove the inquiries of XXXX XXXX XXXX from XXXX, transunion and XXXX as I never authorized them to pull my credit, nor was informed of the access to my credit. I believe that XXXX XXXX sold my information and thats how XXXX XXXX XXXX  accessed my credit information. Im attaching a copy of the police report of identity theft, Please, as a credit company they have to protect us/ but I feel unprotected, I am already having serious problems because my identity was stolen, I have a fraud alert in the three credit companies/ but I feel that this does not stop the criminals who want to continue robbing me blood, this whole identity theft case has me completely unprotected.

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 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I am concerned about the validity and accuracy of a recent investigation, conducted by transunion, on an accounts listed below, that is reporting on my credit report. This Account was opened without my knowledge or authorization. After being alerted of this fact, Last month, I requested an investigation because I felt this item was not being reported legally. Shortly after that, I reached out to Transunion, and a representative stated that transunion 's investigation was complete, and the info/accounts was deemed verified. After presenting them with a up to date FTC report, and other verifying docs to my being a victim of Identity Theft, I was told to try and submit another dispute, presenting the same information. In accordance with the Fair Credit Reporting Act, the accounts listed below, have violated my rights. 15 U.S.C 1681 Section 602 A States that 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. 

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 XXXXXXXX

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 2018-03-10
Company: WELLS FARGO & COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
XX/XX/XXXX I did a zero interest balance transfer with my Wells Fargo XXXX that had a zero balance at the time of the transfer. 
XX/XX/XXXX I had a fraudulent charge on my card interest began to accrue once it was discovered WF credited my account the full amount plus interest. 

Around the XX/XX/XXXX I noticed they were still charging me interest on the fraudulent charge. On XX/XX/XXXX they reversed the interest charges and was promised that it was resolved and it would not happen again. I was also told that they would monitor the account to assure it didn't happen again. 

XX/XX/XXXX interest was charged again. 
XX/XX/XXXX I called to report it and was told that someone within WF had check the account and did nothing to correct it. They are now opening yet another case file to investigate this. 

Since WF has a history of this XXXX, I thought you should be aware and could look into this possible affecting other people as well.

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 2023-11-22
Company: ALLY FINANCIAL INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I submitted a checking account dispute on XX/XX/XXXX for a purchase in the amount of {$590.00} from XXXX made on XX/XX/XXXX. I stated in my dispute that I attempted several times to contact XXXX but have been unsuccessful. I specified I reached out via phone multiple times ( voicemails not returned ), through XXXX messenger ( no response ), and through chat via their website ( no response ). My dispute with Ally Bank was denied. I was informed I needed to attempt to resolve the issue with the merchant. As I stated in my dispute, I have exhausted every possible option available to me to reach out to this company to resolve the issue and have not received any type of response from them. My order has not been received and my refund request has not been completed or acknowledged. Ally Bank clearly did not do their due diligence when investigating this claim and blatantly ignored the facts of the initial dispute. I was promised protection by Ally Bank for fraud, yet they are not following through on that guarantee.

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 2022-12-31
Company: EQUIFAX, INC.
State: TX
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. 
1. ) XXXX XXXX XXXX XXXX : # XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) XXXX, 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Experian Information Solutions 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:
In accordance with the fair credit reporting act convergent XXXX on XXXX, XXXX XXXX XXXX on XXXX, XXXX on XXXX and XXXX, XXXX XXXX XXXXXXXX on XXXX, XXXX on XXXX and XXXX on 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 2023-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
Received emails that an acct was opened in my name and a trading account as well. Today I received a debit card in the mail. I did not open this account and have no knowledge of this account. I tried calling Bank of America and was on hold for XXXX. Have not been able to reach a live person.

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 2022-02-28
Company: Experian Information Solutions Inc.
State: WA
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:
THE FOLLOWING ACCOUNTS LISTED BELOW ARE INACCURATE AND MUST BE DELETED FROM MY CREDIT REPORT. 

XXXX XXXXXXXX The monthly payment on this account is inaccurate. Experian is reporting - as the monthly payment and XXXX is reporting - and XXXX is reporting {$0.00}. The last date of activity is also inaccurate. Experian is reporting XX/XX/XXXX as the last date of activity and XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. The No. of Months ( terms ) on this account is also inaccurate. Experian is reporting 60 Months and XXXX is reporting Monthly ( due every month ) and XXXX is reporting Monthly PLEASE DELETE AND REMOVE IT FROM MY 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 2018-04-07
Company: Conn's, Inc.
State: SC
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: Problem with personal statement of dispute

Complaint:
Around the last week of XX/XX/2018 I purchased a TV from conns in XXXX. Conns salesman XXXX XXXX pursuaded me to buy a warranty for the TV. After he explained to me that the warrant covered everything including accidental damage and that I'd have to pull out a gun and shoot the tv for it not to be covered, I agreed to go on and purchase it. Lo and behold 3 weeks or so later, the tv was damaged and inoperable. I called XXXX and he reassured me I was covered and to just call the warranty number. They told me that accidental mishaps were NOT covered. So, I called XXXX back. He said he didn't understand why I was being told that and that he'd make some calls and call me back. He never did. So I went to the store and spoke to him in person. He reiterated that the warranty was supposed to cover everything and that that's what all the sales person 's tell their clients. He said he would keep working on it and get in touch with a higher up with the customer service side of conns to see if I could get help on the weight of he TOLD ME HE WAS SELLING ME SOMETHING THAT HAD ME COVERED. He said if by some chance nothing panned out he'd buy me a TV himself with his discount. I didn't believe it and it definitely was a lie Bc Everytime I called him after that day, he stopped coming to the phone. I filed a dispute with the card provider and they gave a response that ruled in conns favor and that I should continue trying to get conns to fix this. When I initiated the dispute, i told the rep that I have PROOF of what I was told that I was buying. I don't think that part made it into the complaint. Proof! The letter the bank sent me said that if I have further documentation, I can contact them and move forward. I will be doing that because I can not afford to pay for something I don't have, pay for a product that is not as described, pay for something that turned out to NOT be what I thought I was purchasing. I'm hoping to rectify this out of court but I have worked too hard on my credit to have it ruined bc I got tangled up with a shady company and an even shadier salesperson. Also, I spoke to a manager at conns who would only tell me his name was XXXX. All he did was apologize and tell me that he doesn't know why XXXX told me that the warranty covered everything because the warranty had stopped covering EVERYTHING for months now. That's it? An apology? Why not fix it? He didn't even offer to try to do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I obtained my XXXX XXXX risk solutions credit report. There was a U.S. Bankruptcy court item listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) If a credit reporting agency can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 

The Bankruptcy Court has mailed me a letter which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U.S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 

My inquiry to the U.S. Bankruptcy Courts confirmed XXXX XXXX has never validated or verified this public record entry on my credit report, neither will they ever be by them They further stated while they are NOT liable or responsible for any MIUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unaware to the consumer, and in most cases, incorrect. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. 

Per the FEDERAL CREDIT REPORTING ACT, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the ORIGNAL signed consumer contract and/or judgment ( s )- all accounts and public information that you post on anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. 

I have included my last letter sent to the credit agencies demanding this false inaccurate information be deleted from my consumer credit report and I have yet to hear back from them. I am herby asking that this be handled immedicably.

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 2018-12-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I responded to an offer from HSBC Bank to open a checking account and receive a $ XXXX bonus. I submitted an application giving all of my private information and the application was rejected on the basis that the bank could not verify my identity. 

I called customer service and they said that there was a final decision by the computer. 

I told the representative that based upon their offer, I submitted all of my private information including date of birth, passwords, bank account numbers social security number addresses etc. and that they took this information fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting 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 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 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 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Accounts : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Closed Accounts : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 of 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 2018-03-10
Company: Experian Information Solutions Inc.
State: CT
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I received an alert from XXXX stating that a lender reported a balance of XXXX and that I was 90 or more days late. This account has been charged off since XX/XX/XXXX without any billing statements sent since XX/XX/XXXX the charge off amount was around XXXX. XXXX XXXX continues to charge interest on a charged off account without sending or generating bills which is a direct violation of the truth and lending act. XXXX XXXX liaison XXXX XXXX continues to ignore the law and has also marked all my complaints as duplicates when they are not. Each month XXXX XXXXXXXX sends a new amount to the credit agency on a charged off account hence there's new complaints to be sent in. I have filed a writ and summons against the company to appear before a judge in CT superior court and also have filed complaints with the ct department of banking.

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 2020-03-04
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:
This account was opened fraudulently and after extensive investigations and mitigation between my attorney and XXXX  XXXX XXXX the account was closed due to the nature of the account being 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