BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am filing this complaint to address an issue concerning unauthorized inquiries on my credit record. This information does not belong to me and I never gave my consent for these. I need this fraudulent information removed immediately.

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 2023-09-04
Company: Payday Motors, Inc.
State: KS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I was financing a vehicle that wouldn't get lower in payments I paid over XXXX and was told I got XXXX behind never had a issue till XXXX XXXX XXXX in office at this place the vehicles value is only XXXX in XXXX XXXX XXXX they loaned me for XXXX I feel the truck was way over priced for a unsafe vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset that you guys would break the law like this.

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 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been fighting Transunion for many years regarding two fraudulent accounts showing on my credit report. XXXX and XXXX have removed the accounts but Transunion will not follow suit. I have a right as a consumer to have a true and correct credit report which at this moment I do not. I sent in an Identity Theft Report for the two accounts in question and still they remain. I recently spoke with a Transunion rep who informed me that Transunion does not do any investigating. The only thing they do is alert the creditor that the consumer raised a dispute and go solely off their word even if we send documentation supporting our claim which I did twice now. I feel that as the furnisher of the data people look at to extend credit they should have more responsibility. It is unfair to us as the consumers for them to not ask any questions or care about our side of things. The only solution the rep gave was to file a complaint here but as far as my report they were not going to help and I feel that is wrong. I hope that something is done about their dispute process and that these two accounts are finally removed. All of Transunion calls are recorded so it should be easy to verify everything I was told.

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 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Company is reporting information without authorization of consumer with a third party that which is protected by the Privacy Act. Additionally, the Bankruptcy Court confirmed that they did not report directly to the credit bureau.

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 2023-08-31
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
They closed the claim to my savings account. Someone went into my savings and took all I had in savings. {$14000.00}. They closed it stating it had to be me or someone that had my user name and password. It wasnt me and no one has been given my user name and password. Someone from Wellsfargo called me and text me from the wellsfargo number and took my savings.

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 2022-12-24
Company: Experian Information Solutions Inc.
State: OH
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 have never had a credit card with this company. I know my information has been used without my permission. Please remove the item from 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 non-monetary relief
Consumer complaint received 2021-11-17
Company: Atlas Credit Company, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Hello so I have a personnel loan open at a local branch near me. Along with that loan I had other credit cards and loans that affected my credit that were past due. I decided to go with a consolidation program to help me pay off everything. Obviously this loan company called Atlas Credit called me for payment I nicely advised them of what I did they advised me they dont accept those kinds of programs. I advised them I will get back in touch with them. I called my debt program they advised me companies tend to say that so they dont lose money. They advised me they do work with that company and have done so in the past. A day passed by and again I receive another call I advised them again that the debt program will contact them in regards to payment. Later that same day I decide to call corporate because I dont stop getting calls they advise me they will contact the local branches supervisor to let her know I dont want calls nor them coming to my house all that is against federal law and if they want to inform me of something they can send it via mail. Later on that day the supervisor calls me and she insists again in payment she tells me they dont accept the program I advise her I dont want calls to mail me whatever she needs to tell me she said in my contract I supposedly signed to be contacted via phone. I have repeatedly advised them to stop calling me I am not approving them to call me. These arent even reminders anymore its more like harassment because I have advised them of what I am doing already.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I paid the lease perfect at the end of the lease i turned in the car and verified with Ally Bank that no additional funds were owed. With no phone calls, letters or explanations an charge off was put on my credit. I disputed it with the credit reporting agencies ans Ally said it was charged and then paid. I never paid it and i never had a amount due or to be charged off.

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 2023-08-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like for all the incorrect information to be removed from my credit report because I did not authorize nor did I open those accountsXXXX XXXX  needs to be removed in the balance of XXXX opened XX/XX/XXXX, XXXX XXXX XXXX  needs to be removed in the balance of XXXX dollars opened XX/XX/XXXX, XXXX XXXX needs to be removed in the balance of XXXX dollars opened XX/XX/XXXX, XXXX XXXX XXXX with a balance of XXXX dollars needs to be removed from my credit that was opened on XX/XX/XXXX that's not my car, and XXXX XXXX needs to be removed. I would like all the inquiries removed because I did not open those accounts XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX don't belong to me. I would like my name spelled correctly along with the correct address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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 file serveral disputes with Capital One, Capital One they have fail to delete transactions and experiences between XXXX XXXX and Capital one. The FCRA Specifically said 15 USC 1681a ( 2 ) ( i ) Exclusion accept as in paragraph 2 term Consumer report does not include transaction and experiences. ( # XXXX XXXX, XX/XX/2022, / 90 Days ). Capital One has repeatedly reported transactions and experiences that they listed. According to your Law according to your FCRA transactions and experiences or not included on the consumer report. This is a formal complaint for and FCRA Violations by Capital ONE for this person. 
Tracking # XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: BB&T CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I am a victim of fraud theft. I sold my ATV that was financed by Sheffield to an individual who led me to believe his bank was handling the payoff of my loan. However, in the end, he called into the phone bill pay system, entered false information and was able to show the loan as paid in full. The unit was delivered to the individual and 7 days later his funds returned as insufficient. My complaint is three-fold. 1. The phone system should require more identification and verification for someone to pay against a loan. All it asks for is the account number. The account number is easy to obtain and seems like a valid piece of information a bank might need to pay off a loan. No other information is required to make a phone payment so there is no way to know who is paying the loan or if they have authority to access loan details. 2. The phone bill pay system does not verify the checking account number, therefore, the system automatically assumes the account is funded and applies the "payment" to the loan immediately. 3. The funds for an ACH payment should not apply to the balance of the loan until the funds have cleared. The payment should show pending until the funding is verified. For this reason alone, I trusted the loan was paid in full because both the phone system and the online information showed a $XXXX  balance. Had it shown as "pending", I would not have given possession of the ATV until the funds were appropriately verified and applied to the loan.I spoke to Sheffield and they told me it was my fault for giving him my account number and all I could do was file a police report, but I am still responsible to pay off the loan. I understand my mistake now in giving my account number, but I honestly would have thought a financial institution would have higher standards and safeguards in place to prevent this type of fraud. If the system required verification of last four of social etc., not just anyone could falsely pay toward a loan. Also, if the system would have verified the checking account number with a check system, the payment would have been rejected at the beginning. Lastly, if the system would not have shown paid until the funds were verified and received, the loan would not have appeared as a $XXXX  balance and no action would have occurred with giving the theft possession of the vehicle. I believe the financial institution has the responsibility to right this wrong and not hold the account holder accountable for the loan given all the holes in their system.

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 2023-08-31
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting 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:
Despite multiple written requests, the unverified inquiries listed below continue to report on my credit report in violation of federal law. These inquiries must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these inquiries, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
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: Account status incorrect

Complaint:
I received a credit alert stating my account is 30 days past due and now delinquent. As per XXXX payment was not received for XX/XX/22, which I have 10 days before I am charge a late fee and 29 days before it is delinquent. As per Transunion payment for XX/XX/22 was 30 days past due, However payment was received on time. For the past 2-3 years payments towards my XXXX XXXX XXXX XXXX was paid before the 30 day past due mark.

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 2021-03-22
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have an auto loan from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, Equifax, TransUnion, and XXXXXXXX XXXX  with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late in XX/XX/2021. There was an error on their part. I was never 30 days late.

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 2023-09-10
Company: Affirm Holdings, Inc
State: WA
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The company of concern is Affirm Affirm is practicing deceptive behavior which has resulted in the destruction of my credit. 

I opened one tradeline with them and anytime I bought anything they turned it into a new credit line. It was not disclosed to me that opening one tradeline with them would result in multiple tradelines. I think they are doing this to get late fees by confusing the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: EQUIFAX, INC.
State: FL
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 XXXX XXXX XXXX. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX,. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04
Company: BMW Financial Services NA, LLC
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: Account status incorrect

Complaint:
I was never late on a payment. The monthly amount was automatically sent. At the end of the lease there was a lease termination fee that was not included. I had leased several times through this company. This was not automatically paid. This did not come to my attention for several months and was immediately paid through biller website. 
It is listed as sent to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: BARCLAYS BANK DELAWARE
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
A woman called me and told me that there was a judgment against me and that I had to pay some debt for Barclaycard. I did have an account with Barclay card but I settled that with a collections company several years ago. She says shes from a legal group called XXXX XXXX XXXX and sent me an email with a link so that I could accept the judgment that she claims there is against me. She was called almost every day over the last week and has left several messages. She called me from a local number first and then gave me a XXXX  number to call her back at. I did not call back. She had the last four of my social and my old address when she called.

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 2023-07-28
Company: EQUIFAX, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
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:
Equifax is reporting incorrectly that I am 60 days past due on XXXX/XXXX - partial account number XXXX. ( Please see page 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22
Company: EQUIFAX, INC.
State: FL
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 XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2.

It also states a consumer reporting agency can not furnish a account Without my written instructions.

Company response to consumer: Closed with explanation