BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-25
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:
On XXXX/XXXX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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 2022-02-25
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I had a voluntary repossession with Credit Acceptance in XXXX or XXXX of 2018 because the vehicle was having issues and was not worth what I was paying for it. Since then there has been ZERO contact. They never notified me of the sell of the vehicle or proceeds that were gathered from that. It wasn't until I logged into the account that the amount of {$6000.00} was deducted from the account. The original cost of the loan was {$16000.00}, so that made the balance around {$12000.00}. However, since this there have been fees being attached to this loan over and over again. The amount over 5 years is up to over $ 19k. 

They have not contacted me to collect the balance and tell me my disputes a " frivolous '' so they will not be investigating. I also believed I was incorrectly charged and deceived by dealer finance charges in the amount of $ 11k. They also never corrected my name on the account as it was spelled wrong.

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 2019-11-16
Company: Fidelity National Information Services, Inc. (FNIS)
State: KY
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:
Hello, My name is XXXX XXXX XXXX and I have been disputing with Chex Systems for multiple years now. I have tried to reach out and speak with them on the phone and all that happens Is that I receive a copy of the report they have on file. I am now XXXX XXXX XXXX and messed up as a young adult with checking accounts to where I had to file bankruptcy. I have a good career in customer service now and am in the middle of a chapter XXXX and filed a chapter XXXX when I was XXXX. I thought everything was cleared up since, I did file on the banks. A lot of time has passed now, many years but, chex systems is still reporting bad things about me when it comes to me getting a credible checking account. I can not go through a credit union or checking account. I have tried to go to multiple credit unions, and banks to where they always tell me chex systems is still showing a XXXX XXXX  under my maiden name XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX for XXXX for NSF. Account number ending in XXXX RTN XXXX under my social ending in XXXX. I did not live at this address since XXXX. I had a XXXX account that I paid in full while living in Kentucky and they advised me that I am settled. There is another account with XXXX XXXX RTN XXXX account number ending in XXXX NSF XXXX stating PAID IN FULL. I have tried to get accounts with XXXX XXXX XXXX XXXX XXXX, University of XXXX, and other banks with credit unions. Not a single one will give a checking account because they state that I need to have chex systems cleared. No one at Chex Systems will help me. I am trying to buy a home for my XXXX XXXX and fix my credit. Please, help me get Chex systems cleared in full. 

Thank-you, XXXX XXXX XXXX XXXX XXXX XXXX : 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
Consumer complaint received 2022-02-25
Company: EQUIFAX, INC.
State: CO
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:
It was brought to my attention in Fall of XXXX via official credit report through all XXXX bureaus that my information was mixed with someone else 's. This included inaccurate reporting of my SSN, previous names, and addresses. I was able to correct this information through dispute and verification processes with 2 of the 3 bureaus. 

Equifax has failed to correct this information, despite my first dispute being completed in XX/XX/XXXX. It is now XX/XX/XXXX and Equifax has stated they still have not received the verification of my information ( including a letter/dispute form, a copy of my ID, and a copy of my Social Security Card ). This is extremely concerning, as I have sent on three separate occasions, by mail, physical copies of my personal private information. I also faxed this information once in XXXX. The address I sent this information to was verified multiple times with the CRA, and yet they state they have not received any copies of these documents. I have also disputed this multiple times online through their disputing services on their website. Each time this has resulted in a notification that to change the information they need verified copies sent to them, which I had already done as explained above. 

This is a clear violation of FCRA and this is unacceptable and affecting my credit score and reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This is my several endeavor to tell you 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 alleged fraud or extortion. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-02-25
Company: EQUIFAX, 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:
On XXXX/XXXX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Ars account resolution s .... 
People keep adding accounts to my credit as fast as I dispute them for different dates and amounts everytime I get one removed another one pops up I contacted the company by phone to get them to send me anything by mail, they agree but never do. I'm at a loss because even when it gets removed it still hurt my numbers. I've gotten so many deleted from the same company that I can't do any more.

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 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have been disputing this account XXXX XXXX  ending in # XXXX multiple times. This account does not belong to me. I refuse to pay any amount to this debt that does not belong to me. This account must be removed a d it is reporting in violation of the fcra and fdcpa. I have never owner or opened or authorized any account with XXXX XXXX. 

Please find attached a new copy of 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 non-monetary relief
Consumer complaint received 2020-03-03
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Fraudulent checks totaling over XXXX were written on my account. Wells Fargo has denied my claims twice due to time limits. On XX/XX/2019 I was detained, after this occurrence my business checking information was used to write fraudulent checks totaling over XXXX When I was released from being Detained on XX/XX/2019 I reported the fraud to Wells Fargo, who denied the claim because I did not meet their time frame of 30 days. I made them aware of why I was not able to meet their time frame of fraud reporting, but my claim was still denied. The checks reported clearly are not my signature and were not authorized by me. They should never have been cleared by Wells Fargo because the security measure " Signature '' did not match.

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 2022-02-25
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2022 I called chexsystems inc, I spoke with XXXX the supervisor explaining to her that there was an fraudulent request of information on my file. I explained to them that they were in violation of 1681b. The supervisor continued to give me a hard time and didnt help at all with security freeze issue. Since then I have mailed out a letter demanding the security freeze be lifted until further notice. Please see attached file.

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 2021-03-30
Company: Continental Finance Company, LLC
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
According to emails from XXXX reps, a refund was supposedly issued for purchase made on XX/XX/XXXX, the amount of {$350.00}, has not posted to my XXXX account to date. The last email from XXXX rep, XXXX, on XX/XX/XXXX states refund was issued to prior card ending in XXXX. It is now XX/XX/XXXX and has not posted. Prior to this, I emailed rep in fraud/disputes by the name of XXXX XXXX, she was explained the above and emails from XXXX were forwarded on to her. Never the less, she placed charge back on to account, refused to review emails and or assist with dispute any further. This issued was detailed in prior CFPB complaints, still unresolved, last complaint was marked as duplicate to avoid addressing it and attached screen shots of emails from XXXX reps. I suspect rep replying on behalf of XXXX  aka Continental Finance will also mark this complaint as duplicate, if so, I request CFPB investigate the bank for this behavior. I have attached screen shot of XXXX email showing refund

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 2020-03-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX  and experien they reporting my publick record chapter XXXX  bank cruptsy and and some accounts they are not investing correctly nor providing me method of verification or prove how they verified the info is correct its been 1 year am disputing with them please help me out

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 2022-10-05
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I spoke with td banks branch and customer service for the XXXX time who showed no care that fraud had taken place on my account and was never disputed XXXX of the beginning fraud transactions for {$430.00}, they never disputed it and the bank basically recouped all the off the money for themselves including chargebacks that I never filed, yet they say I did, and I cancelled them and they told me and XXXX  they woudl return money to the merchant which never happened.. Td banks says I am the first person in history to have some retrieve their pin number and they woudl not all ow me a single dime yet they recoupped every XXXX for them selves especially the XXXX which was the beginning of the fraud ... My wallet and phone was stolen they spoke to someone freely about my account and they took my money and now all of bankers act like they cant help me yet, and i filled out police report yet the bank got the money even took merchants money through chargbacks that i did not file and if they say i filed them, then i also cancelled them but nothing was given back to me nor any of the merchants they frauduently knew what rebuttals to use such as the thief could never made mistakse with a XXXX digit pin that is not enough info to call off in investigation this is a poorly ran bank that takes people with the help of thier banks lying

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Under my rights of FCRA 611 ( a ) ( 7 ) I'm requesting a complete description of all methods used to investigate my disputes that was verified by Transunion under CFPB Complaint # XXXX XXXX XXXX I sent a letter on XX/XX/23 to do a method of Verification and Transunion has failed to submit the information requested.

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 2020-03-03
Company: General Motors Financial Company, Inc.
State: MA
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 have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

I see multiple 30-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: EQUIFAX, INC.
State: IL
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 Convergent Account # XXXX XXXX Has violated my rights. These account has also been removed by XXXX, and Exquifax. In which I have the investigation results Showing these items were in fact deleted and should not be reporting my on credit report Please demand XXXX to remove these two accounts. 

Also under Account # XXXX was also deleted from transunion showing NO derogatory accounts in question. I've attached a copy of accounts listed from XXXX this account is not showing. But it shows on Equifax an exceptional payment history that I do not recall. And it's showing on XXXX as a charge off. all this information is inaccurate and does not reflex the true identity of this accounts and should be deleted As soon as possible. 

The last Account # XXXX has also been deleted from my XXXX  credit report, I received a dispute acknowledgement from the company as well, but it has continued to show up on my XXXX and Equifax credit report and should be removed as soon as possible. 

15 U. S. C 1681 section 602 A. State I have a right to privacy U. S. C 1681 section 604 A Section 2. Also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: SUNRISE CREDIT SERVICES, INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2020 I received an alert on my credit file from XXXX, XXXX  and XXXX  that there was a collection added to my account from a company by the name of Sunrise Credit Services for an  amount due of XXXX the company has not sent no form of validation, sent any information in the mail or anything.Both the original creditor and the debt collector did not provide full details of the debt or send any billing statement as stated from the fair credit reporting act. Instead, both parties decided to send the false information to the credit bureaus which was not fully verified to ensure proper reporting procedure was conducted. Due to their negligence and deliberate misconduct I lost tremendous credit points from the credit bureaus which impacted my score and seized the plan to purchase a home for my family. I am pleading for your help to stop this insane malpractice of credit reporting and debt collection process and bring sanity back to my family who is not suffering from not being able to purchase a home.

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 2022-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
on the one inquiry dated on XX/XX/2022 the company XXXX XXXX XXXXXXXX XXXX telephone # XXXX would put me through a series of diffrent departments then the phone call would alw3ays drop on numerous calls. Inquiry # 2 company name XXXX phone # XXXX i spoke with an associate to inform them i had no recollection for this credit account, i was told to pursue the matter with transunion in order to have it removed.

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