BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-20
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Any person ( Experian ) who is negligent in failing to comply with any requirement imposed under the FCRA with respect to any consumer is liable to that consumer, Experian has failed to take proper care of me the consumer by allowing these corporations to pull my credit report with out my consent. They went as far as adding " an extensive fraud alert '' on my report which doesn't work as you can see by the number of inquires I got recently. 
Experian stated in my last complaint " Please note that Experian does not receive a copy of any applications made to credit grantors '' in other words they have no proof of anything that occurred and still add false and deceptive items on my credit report. 
Any person ( Experian ) who willfully fails to comply with any requirement imposed under the FCRA with respect to any consumer, I have sent in an FTC report stating I did not authorize nor benefit form these inquires in fact they damaged my reputation by making my score drop causing damage to me the natural person/consumer. This was Identity Theft due to me not giving consent. 
Experian stated that the inquires shown on my credit report are FACTUAL records of the companies who have assessed my file I don't understand how Experian can state facts when they were not present for these alleged transactions as they stated themselves. Pursuant to 1681a ( e ) it clearly states such information shall not include specific FACTUAL information on a consumers credit report. At this point we can see that Experian only goes off of here say they can not prove or have any factual information in what took place so them declining my block is a violation.

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 2023-07-06
Company: Experian Information Solutions 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. 

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 2022-11-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have inaccurate Personal Information on my consumer reports. Please see attached.

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 2020-09-14
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
After contacting Santander Consumer USA customer service portal via telephone on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, to ascertain an agreement via the CSR concerning the {$450.00} ( at that time ) payment due on the vehicle and requesting a copy of the full contract initiated in 2016. I received a notice dated a week past, with the threat of repossession of my vehicle for a past due date of thirty days. This company has settled a {$550.00} mil predatory loan lawsuit with 34 other states, and now is applying threats and harassment to individuals not included in the settlement ( Texans ). I am requesting loan forgiveness and the car title to the vehicle purchased in XX/XX/XXXXwith a remaining balance ( principle ) of {$12.00}, 560.84, ( interest ) to date paid {$18000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Rapid Auto Loans LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
XXXX XXXX obtained a title loan from Rapid Auto Loans and paid the debt in full on XX/XX/2022. Rapid Auto Loans has confirmed on each occasion she has contacted them, that the debt has been paid in full. Despite her payment in full, this debt is still a lien on the title to her vehicle. This is causing many difficulties including increased transportation expenses directly as a result of XXXX XXXX delay.

Company response to consumer: Untimely response
Consumer complaint received 2020-02-11
Company: Navient Solutions, LLC.
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 status incorrect

Complaint:
My student loan is showing charged off ( from my annual credit report and mortgage lender credit pull. I attended XXXX XXXX in which the school lost its accreditation. I submitted proper paperwork a couple years ago and itshas been going on for years. I saw that its on my credit report now as a charge off because of the class action lawsuit. I am a XXXX military veteran looking to use my VA benefit but because its student loan is showing up as charged off ( no fault of my own ) i am presented with being unable to purchase a home via VA or FHA for that matter. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: EQUIFAX, 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:
There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX inquired on XX/XX/2022 ; XXXX XXXX XXXX inquired on XX/XX/2022 ; XXXX, XXXX inquired on XX/XX/2022 ; XXXX XXXX inquired on XX/XX/2022 ; XXXX XXXX XXXX inquired on XXXX XXXX XXXX The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. Did not consent to unauthorized inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
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:
In XX/XX/XXXX our Hyundai leased car was totaled in an accident. Our auto insurance XXXX promptly paid the agreed upon value of the car XX/XX/XXXX. Hyundai then worked out the remaining value on the lease with the gap insurer. There was a remaining amount possibly owe. Still to this day unknown to us the lease holders because Hyundai has failed to send us a statement showing what is owed. Between today and when the gap insurer settled with Hyundai we've paid {$500.00} which is the equivalent of two monthly payments. Hyundai for some inexplicable reason deemed and reported our account DELINQUENT. XX/XX/XXXX we contacted Hyundai to address the DELINQUENT status however their customer service department is so chaotic we are still no closer to resolving this situation. We were told this delinquency will remain on our credit report forever even though we owe Hyundai {$0.00} and Hyundai admitted multiple times they designated our account delinquent by mistake. We have never missed a lease payment. Hyundai is refusing us access to our account history including payment history.

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 2020-02-11
Company: ALLY FINANCIAL 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: Information belongs to someone else

Complaint:
XXXX  has continued to report inaccurate fraudulent information on my credit file from Ally Financial for the amount of {$8600.00} I've last reached out to XXXX on XX/XX/20 and since then they have dropped my score by 142 points as of XX/XX/20

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 2020-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I submitted a complaint before to request a fraudulent student entry from XXXX / XXXX XXXX  to be removed from my credit file, transUnion responsed XX/XX/2020 : We have reviewed your complaint along with the information you previously provided regarding this issue. After reviewing the activity on your file, along with the information in our data base, we have removed the XXXX XXXX XXXX XXXX # XXXX account from your TransUnion credit report. In addition, in your previous CFPB Complaint # XXXX, you referenced XXXX XXXX XXXX # XXXX ; therefore, the response advised you that that account is not appearing on your TransUnion credit report. The XXXX XXXX # XXXX account was not identified within that complaint. In order to protect your privacy, we have mailed an updated copy of your TransUnion credit report to the current address we have on file for you. You can expect to receive it in approximately 7 business days. If you have any further questions, please call us at XXXX, XXXX, XXXX XXXX  XXXX XXXX  ET. For more information please visit our Frequently Asked Questions page at www.transunion.com/consumerfaqs. 
DESCRIPTION OF NON-MONETARY RELIEF We received your complaint about the item in your credit report, and apologize for any difficulty you may have  experienced. The XXXX XXXX account identified in your complaint has been deleted. 

However, today, when I checked my credit file again, the information was added back! What does transUnion do to protect consumers right?

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 2023-11-08
Company: General Motors Financial Company, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
This car was put in my name without my knowledge. I eventually took possession and sold car but the debt has remained. 

This creditor has violated my rights in contravention of the Fair Credit Reporting Act. Specifically, the creditor has infringed upon my right to privacy as outlined in 15 USC Section 1681b, Section 602s. Additionally, under 15 USC Section 1681, Section 604a, subsection 2a, the creditor is prohibited from providing information about my account without my written consent. Furthermore, under 15 USC Section 1666b, a credit issuer is not permitted to categorize a payment on a credit card account as late for any reason under an open and consumer plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: ALLY FINANCIAL INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Ally bank closed my Account. I submitted a dispute For several charges that were fraudulent. Ally found that the charges were fraud and I had a positive balance of XXXX which I tried to transfer to my mortgage. When Ally knew I knew about the funds in my account they blocked all access to my account and provided new documents saying that the previous charges that were found to be fraudulent were now not fraudulent and stole the money that was due to me. 

Ally then refused to refund me for a dispute with XXXX XXXX  that they went back in collected money from XXXX and never returned to me they are extremely fraudulent and kept me from My bank records and information to hide their fraudulent activities. 

I spoke to their rep and she was like first your account was in the negative but now its positive and we dont want to give you your money. Then hung up on me

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 2022-01-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I called a so call XXXX company about a payment that they email me that was going to come out of my account. Asked me to download a app in which turned out to be for him to see what I was doing on my phone. Told me my to go into my bank transfer money but that it was not going to go through. It turned out I was transferring money through XXXX to him. I immediately hung up once he said to go to my XXXX app. He called me Back really XXXX of why I hung up. I immediately called my bank to report but they said it was a valid transaction and that I was not going to get refunded. It turned out the money went to a XXXX XXXX XXXX bank. All this happened on XXXX of 2021.

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 2023-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been battling with TransUnion since XX/XX/2023. They are reporting my accounts as late and that is incorrect. I have called them, disputed online, and sent in dispute letters, yet they fail to correct these errors on my credit report. I also contacted the creditor of the accounts to confirm their status and in fact they don't have any deliquencies on record so i dont understand why the Credit Bureaus continue to report me late on these accounts. Also most of these accounts are showing differently in each bureau credit report which makes no sense since all 3 bureaus have to report the same information. To my knowledge these late payments are inaccurate and under 15 U.S Code 1666 ( b ) billing error, I have the right to request for removable of late payments! According to the Fair Credit Billing Act ( FCBA ), 15 U.S. Code 1666-1666j the creditor must provide me with PROOF that I was indeed late but they CANT!! This inaccurate reporting is hurting my financial well being and is totally unfair. I already have a hard time as an XXXX XXXX XXXX in this country having a bad credit report just makes things harder for me. And the information on my reports is wrong, this is clearly a billing error and a violation of the Fair Credit Billing Act ( FCBA ), 15 U.S. Code 1666-1666j. I beg please hold these credit bureaus accountable for their credit reporting practices.

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 2023-04-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
When I called this number, the call just dropped. When he called me yesterday, he asked some personal information. At the end, he was asking of my bank password and I refused to give it to him. He insisted then I cancelled the call. I was checking and there's no such thing connected to the capital one. I emailed and asked for the link of their business website. I have not received any response. 

Please take note of this. I have the flyer he sent to me through email. If you want I can email it to you. 

Thank you. 

XXXX XXXX Branch Manager, Capital One Finance, TOLL FREE NUMBER XXXX ( XXXX ) XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV Dear XXXX, Thank you for your interest in capital one finance. We have received your application for the Loan and will review your materials thoroughly. 

We are highly pleased to inform you that your application for a loan of {$8000.00} has been approved by the us.Kindly Check the attached funds approved letter attached. 

I hereby request you to Kindly get in touch with us at XXXX ( XXXX ) XXXX to complete all the formalities so that the loan amount can be credited to your account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX I Used a Bank of America ATM at XXXX to withdraw {$1000.00}, the daily max limit from the EDD card provided to me for unemployment. The Bank of America ATM was # _______.

During the transaction, I did not receive {$1000.00}, just a receipt that I had received the money and that {$1000.00} had been withdrawn from my account. Because I thought maybe the money had gotten stuck in the machine, I called for my wife who was outside waiting for me to stand by the ATM, while I ran into the bank to ask for help. The Bank of American staff said they had nothing to do with the ATM 's and  gave me a number to call. I called the number given to me, XXXX XXXX XXXX and explained the whole situation. She said a case number would be given to me, and usually that it can take up to 6 weeks  before matters like this get resolved. After my phone call I went into the bank, since I still needed the {$1000.00}. I had to explain myself again, since a {$1000.00} is the daily limit. After telling the story she let me take out {$1000.00} from my account. My account statement now had 2 withdraws of {$1000.00} each. After receiving the {$1000.00}, I called back the number I was given to ask more question and also to explain that I had received {$1000.00} from the clerk but was still missing {$1000.00} from the ATM.

Weeks later, I received a letter saying I would be reimbursed for the  {$1000.00} from the ATM during the investigation process. After that I received another {$1000.00} with a different claim number. So I know had received {$1000.00} too much. I tried calling the XXXX to let them know the mistake but no one answered my call and still hasn't to date.I have been calling other numbers, EDD, Bank of America, Fraud etc, but they all say they have no involvement in the matter and can only transfer me. 2 weeks after I received the $ XXXX I received another 2 letters, 2 different claim # 's. Both stating the account has  been subject of fraud. The $ XXXX was now withdrawn from my account and case closed. Meaning I'm still missing my {$1000.00} from the account and the case is closed and I can't seem to reach anyone to resolve this matter. I tried again calling other numbers including the number that was given to me on XX/XX/XXXX, when the ATM withheld my {$1000.00} but they either say case is closed or redirect me to a number that never answers. I have been on hold daily for hours and hours on stretch. If I just let the phone be on hold, after about 2-3 hours it goes to a mailbox that hasn't yet been set up and then hangs up your call.

I do have the ATM number, I have my letters from bank of America, the 2 different claim numbers.

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 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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: MO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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