BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX 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 XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX 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 XXXX 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 year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2023-08-10
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are updated XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-11-02
Company: Experian Information Solutions Inc.
State: NJ
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:
I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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:
On XX/XX/XXXX I wrote to Experian and asked them to send me a copy of my XXXX mothers credit report. I told them there will be no probate of my mothers estate. On XX/XX/XXXX, Experian responded with a form letter saying that they wont send her credit report unless I send them a signed, sealed, and stamped court document stating that I am the executor of her estate. 

To state this as clearly as possible, I told Experian there will be no probate and they responded by asking me for a probate document. If this werent so absurd, it would be funny. So how do I get a copy of my mothers credit report from Experian? 

I understand and appreciate that Experian wants to keep my mothers information from falling into the hands of identity thieves. To that end, I provided Experian with a certified copy of XXXX XXXX XXXX, a copy of her will which names me as the executor, a copy of my drivers license, a copy of the first page of my Experian credit report, dated XX/XX/XXXX, and later another copy of the first page of my Experian credit report dated XX/XX/XXXX. Why isnt this sufficient to prove that I am not an identity thief? 

Both XXXX and XXXX sent me copies of my mothers credit report. I handled it exactly the same way with them as I did with Experian. I wrote them the exact same letter, included a certified copy of the death certificate and a copy of her will, a copy of my drivers license and a copy of the first page of my most recent credit report. Neither of them insisted that I go to probate court to get a court document. 

I cant be the only person who has requested a copy of a decedents credit report when there is no probate. There must be lots of people in the same situation. 

I am not going to go through the cost and expense of probate just to get a copy of my mothers credit report. That would be absurd. It appears that Experian is saying that unless I put my mothers estate through probate, there is no way they will provide me with a copy of her credit report. Is it legal for Experian to do this? 

I tried calling Experian twice ( once in XXXX and once in XXXX ) and I was unable to find any option that connected me to a human being. I have written four letters to Experian. Their four replies were pro forma, irrelevant, dismissive, meaningless, and unhelpful. In short, they have refused to honor my request.

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 2023-11-01
Company: Experian Information Solutions Inc.
State: CA
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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is an extension to the previous complaint I have submitted. Below will be a proper list of inquiry names and dates that I demand to be removed/deleted from my credit report. my rights have been violated, In pursuant to 15 USC 1681 section 602 A, I have the rights to privacy along with 15 USC 1681 A section 2, a consumer reporting agency can not furnish an account without my written or oral consent/instruction which I did not give. 

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 2023-11-01
Company: Experian Information Solutions Inc.
State: CO
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:
You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

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 2023-04-26
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD
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:
I am writing to bring to your attention my concerns about Nissan Motor Acceptance Company 's ( NMAC ) practices regarding the sharing of personal nonpublic financial information of its customers. As a customer of NMAC, I have been made aware of their information-sharing practices, which I believe may be in violation of federal and Maryland state laws. 

The Gramm-Leach-Bliley Act ( GLBA ) is a federal law that requires financial institutions to safeguard the personal nonpublic information of their customers. The GLBA mandates that financial institutions provide privacy notices to their customers explaining their information-sharing practices and allow customers the opportunity to opt-out of having their information shared with third parties. I am concerned that NMAC 's privacy notices do not adequately explain their information-sharing practices and do not provide customers with a clear opportunity to opt-out of having their information shared.

Additionally, the Maryland Confidentiality of Personal Information Act regulates the disclosure of personal information by financial institutions in Maryland. It requires financial institutions to provide customers with privacy notices explaining their information-sharing practices and allow customers the opportunity to opt-out of having their information shared with third parties. I believe that NMAC may be in violation of this law by not providing clear and concise privacy notices to its customers.

I urge the CFPB to investigate NMAC 's practices regarding the sharing of personal nonpublic financial information and take appropriate action to ensure that NMAC is in compliance with federal and Maryland state laws. It is imperative that consumers ' personal information is protected and that companies such as NMAC handle this information responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
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: Reporting company used your report improperly

Complaint:
I have sent letters in about the account that I wanted removed. I have rights under 15 USC 1681. XXXXXXXX XXXX and transunion is govern by 15 USC 1681 and they have violated my rights numerous of times. I demand the account listed below to be removed because Im trying to build my credit and get a house and this one account is holding me back. according to 15 USC 1681, I have the right to privacy and I did not give XXXX and transunion and XXXX a written perission to furnish these account. 

please remover this from my accounts please # XXXX XXXX XXXX XXXXXXXX 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 2018-04-13
Company: Coast Acceptance Corporation
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
So on theXX/XX/XXXX I spoke to someone in customer service because I was unable to make my payment due to the fact that I recently had a baby and was on maternity leave and would be returning to work soon. I told the girl XXXX payment would be late since my first check was going to be on the XX/XX/XXXX I first asked her if I could do both months on the same day she told me no. Okay I then asked if it was okay for me to do one payment that friday theXX/XX/XXXXand the payment forXX/XX/XXXXshe said it was fine just to not brake the agreement i then said thank and if it was anyway she can give me her name and send me an confirmation email with the agreement she then refused and said she couldn't do that. I left it alone and said okay. So fast forward to today the XX/XX/XXXX i get a call from the finance that my payment was due on theXX/XX/XXXX u then tried explaining the situation to the gentleman and he sent my call to the lady I had spoke to she then answered my call and was super rude started to scream at me saying I never said that and that she would have never made the agreement and that there was nothing she could do since my car was out for repo, I then told her I wanted to speak to her manager. I  was on hold for a really long time different people kept answering my call and wouldn't even talk to me and just kept forwarding my call until I got to the manager. Which was super ride screaming at me saying I was a liar! Because his employee never said that and he couldn't help me and that if I didn't pay at the end of the day my car would get repo! He wouldn't even give me a chance to speak so I hung up on him and told him I would file a complaint. He then called me back extremely rude threatening me that he would go for my car then.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-11
Company: Click n' Close, Inc.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
We recently closed on our Single close construction loan on XX/XX/XXXX. Our loan was brokered out to Click n close mortgage through XXXX XXXX XXXX. We were contacted the afternoon saying the dates were incorrect on the closing documents and would like use to have them re-signed and notarized ( must be notarized with the date of XX/XX/XXXX. At first I didn't think anything of it and agreed to resign. Then on XX/XX/XXXX via phone I was contact and told that not only was the dates incorrect but the money the was originally added into the loan to take care of any payments ( mortgage/interest ) was taken out of the loan back in mid May without out our knowledge and they were sure why but they would look into it and find out. 
Later that afternoon I was told Click n close mortgage took the funds out without our knowledge and they agreed that we should have been notified but no one did. Then I looked over the paper work we signed at closing XXXX the paper work they wanted us to resign. The paper work we signed at closing said our mortgage payments would start XX/XX/XXXX ( which made since since the build was to take about XXXX yr to complete ). The new paper work was for use to agree to start making mortgage payments on XX/XX/XXXX or we could sign a wavier to have them take the payments out of our 10 % contingency fund that would cover us for 8 months. If the build wasn't complete by then we would then have to start making the payments our selfs. Also since the contingency would be used for mortgage payments if we went over on the build with changes we want to make we would have to pay that out of pocket or they suggested we get an additional line of credit or have the build just put a lien on the house until we paid him back. 
None of these option seemed like a good finical decision and they said our only other option would be refinance. I believe they should honor our contract that we agree upon and signed at closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
They falsely reported on my credit report and score. It was sent to collections back in 2011 and just added to my credit score saying I refinanced and renewed my account. I have not spoken to them in years and they refinance the loan? This is fraud and it brought my credit score down XXXX points. They are crooks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Experian Information Solutions Inc.
State: MA
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: Problem with personal statement of dispute

Complaint:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 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 non-monetary relief
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: CA
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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2021-12-08
Company: LDF Holdings, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XXXX XXXX, I was given a XXXX dollar loan from lendumo financial. The annual apr for this loan is 765 %. XXXXThis is in violation of The Illinois pay day loan reform act which states a company may not charge no more than XXXX per XXXX of interest, and charge a maximum of XXXX percent interest per year .therefore making this loan illegal in the state of Illinois..Per section XXXX of the Illinois payday loan reform act XXXX give out payday loans to customers the company must be licensed in the state of Illinois which lendumo loans is not..This loan is also is illegal in the state of Illinois per sec XXXX of the pay day loan reform act which states for a company to operate as a payday lender in the state of Illinois, the company must be licensed with Illinois department of financial regulation which this company is not therefore making this loan illegal and unenforceable under Illinois state law..To this date I have paid XXXX dollars on this illegal loan in the state of Illinois and an unenforceable loan per Illinois state law

Company response to consumer: Closed with explanation