BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I can not reach TransUnion to dispute inaccurate accounts in my credit report. I have tried by phone and through their website which does not work.

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

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2020-03-01
Company: Experian Information Solutions 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:
XX/XX/2020 From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX SSN : XXXX To XXXX XXXX XXXX. XXXX XXXX XXXX, Fl XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report. Based on my first dispute, XXXX  deleted this account because it was in violation. But yet, Experian and XXXX  are still reporting this inaccurate account with different information, which is in violation, delete per violation. Experian reporting high credit as zero, and XXXX  is reporting high credit as XXXX, this is different information, delete this account. In addition, Experian is reporting two-year payment history as unknown and yet XXXX  is reporting two-year history as current, all in green, per violation delete this account. For your records and my proof, I have enclosed a snapshot of 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 2017-10-02
Company: CITIBANK, N.A.
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 disputed the charges and still no actions yet

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 2023-03-15
Company: Westlake Services, LLC
State: AL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I Need To Know That If I Turn This Car In All Payments Will Be Stopped And We Will Not Have To Pay Anymore Payments. The Contract Was Violated The Dealer Never Fixed My Engine Even Though It Has A 2year Warranty. i Cant Even Trade The Car In Because American Car Center Didnt Report The Payments On My Credit. You Dont Have To Compensate Me But I Do Not Agree To Keep Paying For A Car After I Turn It In. Also The Response On The Complaint Stated That We Were Notified From American Car Center That Westlake Was Taking Over That Is False We Were Not Notified Before XX/XX/XXXX Or On XX/XX/XXXX XXXX XXXX XXXX Didnt Tell Us Anything And We Didnt Agree To Giving Westlake Personal Information Such As Social Security Numbers We Can Resolve This Here Or I Will Just Go Through Lawyers And See The Company In Court .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
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:
On XX/XX/2022 I informed the CRC 's TRANSUNION, XXXX, AND XXXX that they were furnishing information on my consumer report that is indeed a result of identity theft. Each CRC has failed to adhere to the federal laws one of which is to block information resulting from identity theft within 4 business days of notification.

15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of

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 2023-10-09
Company: D2 Management LLC
State: MD
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This debt is becoming and more convoluted. I have been contacted by FOUR companies regarding this debt ( see attached ). I have never spoken to anyone regarding this debit until XX/XX/XXXX ( first time ever ). I did receive ONE email in XX/XX/XXXX, which went into SPAM and I didnt realize it until recently when I went to check after getting all these harassing calls. This debt is supposedly with XXXX D2 Management, XXXX XXXX XXXX and XXXX XXXX XXXX- this is RIDICULOUS! I shouldnt be contacted by all these companies at one time for a debt ( an almost 5 year-old debt from my understanding ). On my XXXX, it's listed that it opened in XXXX. Yet, XXXX said it was XXXX, which is it?????? Today is Discoverer 's Day and even today do I get calls ON A HOLIDAY!!!! The attached says this debt came from D2 Management - Ive never even heard of D2 Management OR ANY OF THESE people until XXXX XXXX! The abuse I get ( and my mother who is XXXX XXXX XXXX in the hospital ) is OUTRAGEOUS!! I asked your representative to please stop calling me and I was literally told : " THIS IS THE UNITED STATES - WE CAN DO WHAT WE WANT '' - I am not sure which company it was because different companies are calling regarding for this ONE debt. I am reporting this to as many entities as I can because the attachment ( sent XX/XX/XXXX ) CLEARLY STATES IT WOULD NOT GO ON MY CREDIT REPORT DUE TO THE AGE AND YOU DID IT ANYWAY!! YOU ARE LIARS!!! If you lie about this you will lie about anything including this debit ( I am not even given the right date as to when it was opened and defaulted )! I want the calls to me and my family TO STOP!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Company: Arbor Professional Solutions, 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: Problem with personal statement of dispute

Complaint:
all started over 7-8 years ago. I had no health insurance and was in need of medical help. I was under the guise that any debt over 2-4 years old is not supposed to reflect negative on credit report, but can still be on report, just not have a negative impact on it. Not the case on mine. This company has been reporting for entire time as different companys to make it look like it is a new debt, therefore negatively impacting my credit for this entire time. How is one suppose to " fix '' credit if they-the shadey companies, keep adjusting there names so it looks like a new debt? I recieved a threating phone call from the company explaining to me that if i didnt pay they would keep on doing this and i will never get my credit score over 600. They cslled so many times i changed my #, unfotunatly i do not have the money to pay off all these old debts. I was going to fiole for chapter XXXX bankruptcy, but i just dont have the money for that either. I have sucessfully removed almost all other medical debts on my credit xcept for theese. Please look into this company. I know they are not acting entirely above the law.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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 purchased a ring back in XXXX of XXXX as a gift for my wife. The ring was a special order AND Helzberg had a special, 0 % financing so I figured Id use that with an existing Helzberg Capital One card that I had from when I got engaged. When I gave the saleswoman my information at the Helzberg store she was able to pull my credit card that way and issue a payment that way ( I had my old card destroyed so this was the best way to get 0 % and not have to open another card ). She updated my information on file to make sure the statements went to the right address and I was in my way. 

When I purchased the ring it had to be made so I wasnt able to get the the ring until mid-XXXX of XXXX so I figured that would be why I didnt receive a statement from the company. However, after a month of not getting anything I decided to check in and noticed on XXXX XXXX that this was flagged as delinquent and resulted in a negative mark on my credit ; this dropped my score nearly 80 points. 

After 4 hours between departments today ( XX/XX/XXXX ) it turns out that Capital One has been sending my statements to the incorrect address for months and decided to never get in contact with me. It went on to the point that the Post Office informed them that it was the incorrect address but still no effort was made to contact me so that I could pay and be in good standing. It took todays call for me to discover that, the multiple reps apologized and admitted that it was indeed the wrong address and they waived the late fees and took a payment over the phone. However, when I asked them to report the account as current and to get rid of the bad report To the Credit Bureaus they stated that they would not. I have paid my bill and updated my information but it took ME to call THEM to get the issue that was caused on their end to begin with to fix the billing error. Now my credit has been damaged tremendously and Im stuck waiting for them to send me paper statements showing the incorrect address so that I can file a dispute with XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-01
Company: Experian Information Solutions 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:
XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX SSN : XXXX To XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report is reporting inaccurate and different information between credit agencies. XXXX  reporting high credit as XXXX, Experian is reporting high credit as XXXX, and XXXX  is reporting high credit as XXXX, which inaccurate reporting, delete this account. In addition, XXXX  is reporting last payment as XX/XX/XXXX, Experian  reporting last payment as XX/XX/XXXX, and XXXX  reporting last payment as XX/XX/XXXX, which inaccurate reporting, delete this account. Also, the 2-year payment history is reporting different information from XX/XX/XXXX to XX/XX/XXXX, which makes this account inaccurate, delete this account per violation. For your records and my proof, I enclosed a snapshot of my credit reports.

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 2019-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) (  A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed.

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 2023-08-19
Company: EQUIFAX, INC.
State: IL
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:
After currently reviewing my consumer report, its has come to my attention that the financial institution XXXX XXXX XXXX XXXX failed to conform with applicable statutes such as the Truth and Lending Act, Gramm Leach Billy Act, Consumer Protection Act, and the Federal Reserve Act upon the consummation of this consumer credit transaction. XXXX XXXX has engaged in unfair and deceptive tactics. As a result of their inequitable conduct, I have made an uninformed decision extending credit to XXXX XXXX XXXX XXXX because my consideration came with no benefit. Furthermore, in accordance with the Federal Reserve Act, XXXX XXXX XXXX XXXX failed to disclose to me that my application was the secured collateral tendered as the payment for the full amount of the consumer credit transaction. XXXX XXXX XXXX XXXX also failed to disclose that collateral offered would be in check form such as draft, or bill of exchange for acceptance, and to have drawing rights as the payee to receive, and to exchange as presentment, for payment to the principal balance on the account for my benefit. As a result of the lack of disclosures. All previous payments have been unduly paid out to XXXX XXXX XXXX XXXX. I have sustained multiple damages due to the deceptive and negligent actions by XXXX XXXX XXXX XXXX. Their failure of not fully informing me and providing pertinent disclosures regarding the use of my credit and withholding how I can exercise my right to privacy to protect my personal information, has affected my credit worthiness, credit capacity, character, and general reputation. These improper actions have resulted in unfair credit billing, credit reporting, and abusive collection practices. 


This notice is an attempt to exercise good faith that the bureau of the CFPB will enforce the violations associated with this transaction and to protect me from the illegal practices by this financial institution. These are direct violations of the Truth and Lending Act, Consumer Protection Act, the Federal Reserve Act and the Gramm Leach Bliley Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I log into my Experian online account to review my new credit score because I received an email congratulating me for my credit score increase ( It was at XXXX yesterday ). When Iogged in my score was XXXX. I checked my XXXX XXXX XXXX XXXX account and they have marked me with MASSIVE 30, 60, and 90 day late payments from last year and the year before. This is beyond inaccurate and I am on time with all my payments. I have massive prove from XXXX, XXXX and credit reports from Experian last month that all bills for XXXX XXXX XXXX are paid on time. Experian is messing up my score and my business. It is unacceptable and there are a few technical difficulties. I want this fix quickly

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 2019-09-09
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/2018 I received a call from American Express offering to upgrade my account. 2 weeks later I received 3 new card for 3 of my businesses. I wanted to know the terms of my card so I called American express on 3 different occasions I called American Express to see what my payments will be, and the representative advised that payments will range from $ XXXX {$220.00} a month per card. After this information, I decided that I would use the card. I used the card and then I got a bill for the full amount due and later discovered that I had a net XXXX card and where I would have to pay the balance in full each month. 
This is not what I signed up for and was highly disappointed when I found this out because I was told on 3 different occasions that I would be able to pay off the balance over time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I submitted a letter to Equifax on XX/XX/2022, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. 

XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Experian Information Solutions Inc.
State: PR
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:
MY CREDIT REPORT HAVE INQUIRIES THAT WERE NOT AUTHORIZED BY ME. I HAVE AN ALERT THAT REQUIRED ANY COMPANY TO CALL ME BEFORE PULLING MY CREDIT REPORT. THIS COMPANIES DIDNT CALL ME BEFORE PULLING MY CREDIT REPORT. XXXXXXXX XXXX ( Bank ) ON XX/XX/2023, XXXX CARD SERVICES ( Bank ) ON XX/XX/2023, XXXX ON XX/XX/2023, XXXX ON XX/XX/2023, XXXX ON XX/XX/2023 AND XX/XX/2023, XXXX XXXX ON XX/XX/2023 AND XX/XX/2023, XXXX CARD ON XXXX AND XX/XX/2023 AND XXXX XXXX ON XX/XX/2023.

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 2023-01-21
Company: WELLS FARGO & COMPANY
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Many auto loan payments were not properly applied which resulted in late charges as if I wasn't keeping the account current. This auto loan also very seriously, adversely affected my credit score I was working so hard to repair in order to purchase a home. I had an auto loan with Wells Fargo between roughly XXXX. The car was ultimately totalled in a car accident. A white XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation