BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called into TransUnion on XXXX XXXX, XXXX and I spoke with Special Handling Supervisor XXXX XXXX. I informed her that there are invalid inquiries in my credit report that I did not do, nor did I authorize these inquiries on my credit report. I requested that she removes them or dispute them since they were not mine. I also mentioned to her that I had submitted a police report to TransUnion earlier this year that explained that my purse was stolen with my social security card in it and this makes me prone to possible identity theft. She refused my request, even though I informed her that i had reached out to the businesses who performed the inquiries, but they too have n't responded. I also informed her that the other two credit bureaus, XXXX and XXXX  had either disputed or deleted the incorrect inquiries from my credit report. Again, she refused. These inquiries are not mine and I should not be held accountable for anything that is not mine ; especially since I have reached out and tried to resolve the situation. Based on the Fair Credit reporting Act, any unauthorized inquiry must be investigated and proven valid. XXXX XXXX did not do this. In accordance with the Fair Credit Reporting Act, I request that TransUnion investigate my claim and if they find my claim to be valid and accurate, I need them to please delete the unauthorized inquiries. Furthermore, I ask that they send a corrected copy of my credit report to me. The following inquiries are incorrect and unauthorized : 1. XXXX XXXX XXXX XXXX requested on XX/XX/XXXX ; 2. XXXX XXXX XXXX via XXXX XXXX requested on XX/XX/XXXX ; 3.XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX requested on XX/XX/XXXX; 4. XXXX XXXX XXXX requested on XX/XX/XXXX ; 5.XXXX requested on XX/XX/XXXX. These 5 inquiries are unauthorized and invalid. TransUnion has refused to provide me with proper validation of the inquiries and they have not considered the police report because they state that they need a " proper law enforcement document, '' but a police report is a lawful and verifiable document. The other two bureaus investigated the invalid inquiries but TransUnion has refused to do so and they have not presented me with any proof that these inquiries are mine. The Fair Credit Report Act states that TransUnion must provide valid documents showing i did authorize these inquiries. PLEASE ASSIST

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 2020-06-07
Company: HW Holding, Inc
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contested a claim by the collection agency Hunter warfield inc. in violation FCRA that requires information accuracy in reporting and they have not disclose the process taken to meet that requirement

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: Byrider Franchising, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
XX/XX/2021 I purchased a vehicle from JD Byrider. I was informed that I would need to put {$1000.00} down. I ended up putting {$1200.00} down for down payment and have been having issues with the vehicle since day 1. I was promised a reliable vehicle and that is not what i have gotten. The vehicle has been in their shop every week since purchase. My ac and heat has not worked multiple of times ( Ac actually stopped working 2nd day of purchase along with check engine light coming on ), car was overheating, there is sound of water under the hood, coolant filled back floorboard after they " fixed the heating cord '', AND THE MOST IMPORTANT DANGEROUS THING CAR HAS SHUT OFF ON ME WHILE DRIVING 4 TIMES. I dont mean sitting at stop light or stop sign. Foot on gas and car cuts off. They told me that they would pay off that vehicle and place me in something else. Cnac ( Finance company ) stated that I needed to put another {$500.00} down for a new vehicle. Manager stated he would work around down payment and on XX/XX/21they started backtracking. I am still without a vehicle as of today XX/XX/2021 and have been without one for a month now. They haven't even reached out to inform me on what's going on with the vehicle or even tried to make the situation right by putting into a rental until fixed, but yet the finance company is calling everyday for a payment on a car that im not driving.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
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: Information belongs to someone else

Complaint:
I already sent you complaint few times and I just pulled for update my credit report I see you still didn't delete these negative accounts from my name. They are not belong to 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 non-monetary relief
Consumer complaint received 2020-09-16
Company: Resurgent Capital Services L.P.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX the debt from XXXX XXXX XXXX had started being collected. XX/XX/XXXX : {$25.00}, XX/XX/XXXX : {$31.00}, XX/XX/XXXX : {$45.00}, XX/XX/XXXX : {$47.00}, XX/XX/XXXX : {$52.00}, and XX/XX/XXXX : {$52.00}. A total of {$250.00} for the hardship payment plan. Each of those payments were made and that completed the relationship I had with the company, or so I thought. In XXXX of XXXX they reported to my credit that I had not paid them and owed them money. I did not noticed this change to my score until XXXX. They called me and said I owe them and requested to speak to a manager. XXXX, said manager, claimed he could see my payments and will be updating my account. I waited a few weeks and when I did not see the subsequent changes to my credit score I  called them back on XX/XX/XXXX. I spoke to a different XXXX who gave me a reference number of XXXX and an email to send my official bank statements to via email. I waited one month and when I again did not see the changes I was promised on my credit score I  called them again on XX/XX/XXXX and was told they no longer use that email. I spoke to a XXXX XXXX who gave me a mailing address and said to mail a letter explaining what happened and the official bank statements and I did. I now receive 1-2 different  correspondences weekly saying the information I provided is not enough to support my claim. They say I now owe them {$320.00} and I already paid them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: LEXISNEXIS
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:
Given the options, this track was the one that " best '' fit my issue. Neither I nor my mother have a student loan. On XX/XX/2020, Navient ( XXXX ) called my XXXXyo mother, whom I have POA over, as a hip-shot approach seeking info regarding XXXX XXXX, acct # XXXX. The caller ID 'd himself as XXXX, Employ ID XXXX, on a voicemail. When that failed, he proceeded to call me and left the same voice mail. I called to find out info about this issue and was told my info was obtained from LexisNexis ( XXXX ) and this was an attempt to locate XXXX XXXX, acct # XXXX over a student loan. We do not know XXXX XXXX, acct # XXXX and this is the 2nd time this type of call has occurred in as many months. I feel this is a violation of the DNCR, harassment, and abuse of information. I have since restricted my info at LexisNexis and noticed them of my concerns that their info of my family is being abused by XXXX. I have expended at least 2 hours of my time thus far.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 us 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 60days 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 21 times. transunion is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX XXXX XXXX  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 2021-12-02
Company: EQUIFAX, INC.
State: MO
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 XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico 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 us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. 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 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX 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 XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Information belongs to someone else

Complaint:
I noticed on XX/XX/2018 from XXXX credit report, two credit card accounts issued by Bank of America, which I did not open nor authorize. One of them has a balance of {$9900.00} but XXXX   credit report does not show the account number that I can track. I notified on XX/XX/XXXX to Bank of America Fraud Dept. that I am a victim of identity theft and asked for investigation. Bank of America could not locate these two accounts using my correct full name, social security number, birth date, nor the address. Bank of America told me I need to rely on XXXX for providing full details of fraud accounts to Bank of America to resolve the issue. I have so far disputed this fraud accounts to XXXX, initiated the fraud alert, filed police report, filed FTC Identity Theft 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 2023-04-13
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I checked my credit report and noticed multiple accounts and hard inquiries that I dont 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 2022-04-28
Company: Experian Information Solutions Inc.
State: NV
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:
Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico 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 XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. 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 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX 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 PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2021-12-02
Company: NAVY FEDERAL CREDIT UNION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Financial Institution ( Navy Federal ) has conducted a XXXX Dispute with all transaction associated with XXXX Card ending in XXXX and Cash Rewards ending in XXXX, without notification to customer. Merchants affected by XXXX Dispute has started to reach out to customer, XXXX XXXX demanding payment because transaction has been disputed and funding pulled. Navy Federal is still reporting balances to credit bureau and requires customer to pay off balances from transaction that they have pulled back funding from. 
Customer is currently trying to work with merchants to pay amount owed due to disputed transactions. Please have Navy Federal Credit stop collection efforts, monthly balance statements and credit reporting on balances that no longer exist. 
Also, XXXX Report is being requested to acknowledged all transactions that has been disputed by Navy Federal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-08
Company: PNC Bank N.A.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is a PNC Bank line of credit for {$15000.00} that is a closed account. 
This was my ex husbands account that he took full responsibility for during our divorce because it was under his account. He had me as an authorized user for this account. 
I in NO way have any connection to this debt. My ex husbands name is XXXX XXXX XXXX. Phone number XXXX XXXX. 
I have discussed this debt with my ex husband and he told he it had already been paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to work with my lender but they continue to disregard my documents. My counselor XXXX XXXX has submitted numerous third party authorization forms that I signed and provided but Wells Fargo keeps dragging their feet. I am just trying to save my home and they need to start paying attention to the documents that are being submitted. It has been over 3 weeks waiting on them and XXXX rep telling us that they have and another saying they don't.

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 2018-12-29
Company: TMX Finance LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX I took out a loan with XXXX XXXX for {$1000.00}. I was expecting to receive some money from another source to pay the loan off my the time it was due on XX/XX/XXXX. That fell through and I ended up having to renew the loan instead. I went to the office to inform them of this they said no problem, just make payments. I asked if I needed any additional paperwork. I was told just make a payment, after receiving a letter from them by mail telling me how much. Well, I have made my payments every month for 7 months. I have been late a couple of times, but I was told to just come to them in person, before the due date to arrange a late payment, which I did each time. I was never given any additional paperwork, except payment statements, by mail. They would just put what day I was going to pay in the computer. I have paid a total of {$1300.00}. I have a XXXX XXXX XXXX. I have tried several times to get other companies to pay off the loan, so that I can get out of this mess, but they all told me that my car is only worth $ XXXX {$900.00}. Therefore they could not help me. I just continued to make my payments and I am current on the account, but they still say I owe them {$930.00}. I will have paid them over {$2000.00} for a {$1000.00} loan. I never signed anything agreeing to pay that much for the loan, I just defaulted into monthly payment, due to not being able to pay it back all at once. On XX/XX/XXXX, I called the office to speak to somebody about a settlement. I basically got the run-a-round and was told that I would be contacted later, but later never came. I understand that when you borrow money, you have to pay it back, but they are really taking advantage of people and bleeding them dry. Something has to done about this. This has put me in worse shape than I was in the beginning. The monthly payments range from $ XXXX $ XXXX/month and the day it's due changes. I feel that I have paid enough and the loan should be consider Paid-In-Full and I should get my title back. I will NEVER do business with them again!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 35 days. I feel as though I'm being used and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to investigate these issues within 30 days is a reason to remove those things off my credit report immediately. It has been over 35 days, and they should be erased immediately. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the XXXX data breach, and it may have got into the wrong hands.

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