BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-28
Company: Go Capital Holdings, LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I wanted to trade my car in with XXXX. They gave me an offer, but later called me to inform me that they did not have a warehouse in XXXX yet, and I would have to trade it with someone else. They assured me ( on the phone ) that I could refinance my loan with their loan servicer after I put down the large payment from my trade-in and make a few payments. I agreed, took out a loan with their servicer ( Go Financial ), bought a car with them, and sold my car elsewhere.
Months later, I asked the loan servicer how I could refinance, and they told me they DO NOT offer refinancing. Now I am stuck with a large payment each month since I could only put {$500.00} down towards the loan since I could n't trade my car with XXXX and had to wait to have my XXXX car delivered before I sold my old car so I would n't have to go without a car. 

Had I known I would be stuck with this large payment each month, I would not have purchased a car from XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: EQUIFAX, 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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Transunion refuses to investigate and remove inquires that are unknown and not inquired nor authorized by 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 2017-09-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In the years XXXX there were four cases in which I attempted to file for bankruptcy. The cases were all dismissed. I was having trouble with my husband and property we had together in which it financially draining to me. During that time we attempted to file, but never had the proper paperwork to get it started. It never went to court, a case was never filed. Nothing. Since XXXX I have attempted to write Equifax and have them investigate and have this deleted off my records. After reading the FCRA I found that they were in violation, because they were reporting something inaccurately. Although it is their policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''.
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, they had no right to maintain information which the government has deemed nonexistent.
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, they were obligated to delete this information from my credit report and send me an updated copy when this action is completed. 

I wrote them and made them aware of this information and they blatantly ignored my request. I even provided them documentation that the bankruptcies were dismissed. Again, nothing. They were kind enough to send me a new copy of my report that stated that they would be keeping the bankruptcies on my report. 

I am filing a complaint because they are going against my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under + open end consumer credit plan as late for any purpose.

XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the XXXX filing this complaint, not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the FTC.

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 2017-09-28
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This is concerning the Equifax breach. I submitted my information on equifaxsecurity2017.com to determine if I was affected. The system said I was and that I should enroll in the protection program. I entered my information as requested, and was told I would receive an email link in the coming days to finalize enrollment and activate my product. I received the link a day later. Each time I try to finalize my enrollment, I receive an error message that states : System Unavailable / We are unable to process your request at this time. Please try again soon.
I have deleted by browsing history and cache, in case it is a computer or browser issue, tried again on different days of the week and at different times of the day, in case there is high traffic - approximately 8 times - with the same result. I have also called the number on their website for personalized assistance ( the phone number has since been removed from this area of the website above ) and the person with whom I spoke said he could n't help me. 

Prior to reaching out to cfpb, I called Equifax to place a fraud alert at XXXX and was unable to speak with a human. Their phone tree went in a constant loop and eventually hung up on me when I pressed zero for a representative, after pressing other numbers to also reach a representative. 

So not only have they been breached and my personal information is affected, I can not freeze my accounts in the manner in which I was told, to protect myself from imposters. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Violation of FCRA delete this account immediately. Inaccurate data reported. Account profit/Loss write off. still updating last date of activity. should have a XXXX  balance, with a Charge off Profit/Loss Reporting to XXXX  and Experian different dates of DOLA, etc..

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 2022-04-28
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act. Experian, XXXX, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 According to the 15 U.S.C 1681 section 602 A. States I have the right to privacy.

These addresses do not belong on my credit 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 2022-01-05
Company: WELLS FARGO & COMPANY
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
We purchased a new AC system for our home and financed thru Wells Fargo. it had an no interest period that terminated on XX/XX/2021. we were encouraged to pay monthly online and so paid little attention to monthly statements especially the one from XX/XX/2021 telling us to pay the principal balance prior to XX/XX/2021 or deferred interest would be applied at an annual rate of 28.99 % ( usury to say the least ). with XXXX worries we obviously never looked at the statement- our fault. Once i discovered it today i called Wells Fargo immediately to ask if i paid the principal off could they adjust the interest amount. XXXX XXXX # XXXX said there is nothing they will do, we new the rate and each statement had a note to that effect. our wells fargo acct number is XXXX XXXX XXXX XXXX. 
i feel this is unfair to have no interest in adjusting the incredibly high rate they are charging.. encouraging online, payment makes it almost a given that you will ignore the statements and its small notice of upcoming end to the promotion.

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 2022-12-15
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This auto debit I am no longer responsible for considering the natural of the issue.

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 2020-02-24
Company: Experian Information Solutions Inc.
State: AR
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:
My wife and I have been a victim of identity theft. We pulled our credit because we kept getting calls about a debt we owed from a rental property. We have no idea what this debt is about. There are several things on our credit that do not belong to us and that were open under joint accounts with our names and social security numbers. Please remove these fraudulent items 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 non-monetary relief
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
N accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. The status date is incorrect. Also date reported is inaccurate. Another thing is the monthly payment is incorrect. If the 3 credit bureaus receive the same information this should not be incorrect. This account is not accurate at all. Also the closed date is not correct. Another thing is the term date is not correct. The highest balance is incorrect. Also XXXX states active duty is not suppose to have any apr over XXXXt and I was a resident of Pennsylvania during the law suit of attorney general and 32 states had relief and I still havent

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 2021-06-13
Company: OneMain Finance Corporation
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
My wife XXXX and I took out a personal loan last XXXX with One Main Financial and decided to take out the insurance for unexpected loss of our job. This XXXX I lost my job and put a claim on my insurance. The insurance stated that I need to get a written statement from my employer and the state unemployment office in order to use the insurance. When I explained that I am not able to get either my old employer or the unemployment office to fill out any paperwork they then told me that I needed to send them my financial determination to them from the unemployment office. I sent them the financial determination letter and the claim worksheet process that I received from the state of New Jersey. They sent a letter back and stated that this does not qualify for unemployment and that they wanted to see either my bank account statement showing deposits being made or a print out from the state showing that i am getting unemployment. Since we are in a pandemic and unemployment is so backed up, I am not receiving any unemployment money at this time. If i was receiving unemployment I would not be using the claim because i can the payment. After this I canceled the claim from One Main and told them that I would like a refund of the unused insurance. They proceeded to tell me that when I cancel the insurance, that the money would go directly to paying the loan. My loan is not late nor is it default and when i talked to the One Main office branch in XXXX PA I was told that the insurance money would be refunded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After mailing a certified letter to the company requesting validation of debt, the company responded with copies of a past-due bill. Portfolio Recovery Assoc. did not send me copies of any proof showing I opened the accounts nor a complete account record. Nothing baring my signature or anything. They only sent a past-due bill which isn't what I requested. In my recent complaint, Portfolio stated that they had business records showing that I opened these accounts but never produced those records to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
XXXX Transunion and XXXX have damaged me. 

The stupid methodologies used are outdated irrelevant and make no sense. 

I have worked very hard to make my credit report be as perfect as an imperfect person can. 

1. I understand what the credit report is supposed to do 2. I am competent in understand what is being relayed to me in my report 3. I understand that the three bureaus have XXXX XXXX that do not accurately relay timely information to the clients they get compensated from. 

With the being said I XXXX XXXX am telling the 3 Bureaus that the way they use the information and their formulas have unduly caused damage to me in my pursuit of obtaining my financial goals. 

I am a XXXX XXXX XXXX and have been actively engaged and participating since the age of XXXX. I am now XXXX  years of age. I have experienced my share of financial ups and downs. Not having anyone to loan me a {>= $1,000,000} to get me started I traveled on my journey as best I could. I must say I consider myself a SUCCESS STORY! 

In reviewing the DAMMING INFORMATION the 3 Bureaus portray in my record I do not believe it accurately portrays my lifes financial story ACCURATELY! 

I do not want a canned response to my complaint. I want the Bureaus to explain line by line how each item is weighted. 

I. E. Mortgage Loans that are paid in full have more than just payment history to consider. Did they sell it outright or is it an asset they own outright now? Shouldn't that compute into credit worthiness? Just to say it was paid in full doesn't do much for making that determination.

I.E. Closed accounts dont count in Aged Accounts Computation nor do Paid in full for Length of time of accounts I.E. Why a debt that is 7 years old is allowed to reappear I.E Weight established for debt and amounts etc Overall I can use my specific case to designate each issue I have with the way and methodology used to establish a score. 

It's too much to try to get my issues resolved with canned responses.

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 2017-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 making Transunion aware of the fraudulent inquiries on my credit report and they have not done nothing to properly investigate the matter or provide evidence to validate that the proper protocol was taken care of per the Fraud alert. 

There is a specific statement that states : XXXX & XX/XX/XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX. 

I have asked them to provide proof that I was contacted per the statement. The only inquiry that would be valid would be XXXX XXXX XXXX on the credit 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 2021-12-02
Company: EQUIFAX, INC.
State: VA
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
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: Was not notified of investigation status or results

Complaint:
I wrote TransUnion asking them to delete 2 collections from my report that are reporting inaccuracies, a XXXX account and regional acceptance account number XXXX aswell XXXX account number XXXX Ive stated certain laws to them that they are disregarding I even spoke with the XXXX at XXXX in the head of the fraud department and she told me she was not aware of law 15 usc maximum possible accuracies, no collection can have a late payment, the collections are still reporting late payments when they was agreed upon and paid off, these are terrible inaccuracies that are hurting me as a consumer and holding me back in life, XXXX is bullying me into a corner and they should be punished Im a us veteran who had served for my country I dont deserve this Ive wrote them since XX/XX/2022 its now the end of XX/XX/2022 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 2022-08-13
Company: Experian Information Solutions Inc.
State: PA
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 is my six endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud.Pursuant to Section 605B of Fair Credit Reporting Act these unknown items must be deleted : XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : 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