BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are accounts that were opened as a result of identity theft and are reporting to my consumer file. There is also incorrect information that does not belong to me being reported, such as names, addresses, phone numbers and employment. My information was compromised and used without my permission. I have brought this to the attention of XXXX, Transunion and XXXX and submitted my ID Theft report along with proof of identity, however they are still reporting accounts and information that does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-07
Company: ALLIANT CREDIT UNION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received an adverse action notice for my HELOC application from Alliant Credit Union. I'm being denied because of two claims against my employment and identity. There is nothing fraudulent about the information I provided. I would like to resubmit and provide further documentation including my tax returns and other items.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 information incorrect

Complaint:
The Department of Education discharged all my student loans as of XX/XX/2022. The total of {$39000.00}. XXXX removed the loans from my credit report. TransUnion refuses to remove them.

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 2021-09-24
Company: JPMORGAN CHASE & CO.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive 2-6 calls daily. Often, they will call twice back to back from two different numbers. They have also called my husband without my permission and revealed to him that they were calling for me about a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
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:
There are 3 Student Loans on my credit report that were all sold to XXXX a while back and all three are still on my credit report despite my dispute with these companies.

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 2023-09-27
Company: ALLY FINANCIAL INC.
State: TX
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:
A credit card with ALLY CREDIT CARD/CWS was applied for in my name without my consent or knowledge. On XX/XX/2023, I contacted ALLY and XXXX about removing this inquiry from my credit report. On XX/XX/2023 XXXX informs me that the credit inquiry is accurate and will remain on my credit report. I would like to have this ALLY credit card inquiry removed from my credit report as well as have the account terminated.

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 2023-08-11
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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2021-09-24
Company: DISCOVER BANK
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: Information belongs to someone else

Complaint:
I am a victim of Identity theft/fraud. 
I have notified Discover Bank, XXXX XXXX XXXX XXXX and XXXX XXXX several times that these accounts do not belong to me, I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft Affidavit signed and notarized along with my sworn statement regarding the fraudulent account. 
These accounts were reportedly opened online with someone using my ID and ss card which were both stolen and reported to the authorities years ago. 
Documents submitted to Discover Bank : affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA XXXX Discover Bank, XXXX XXXX XXXX XXXX and XXXX XXXX continue to report these fraudulent accounts on my credit report although I have provided these documents with no response from the companies or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
In accordance with the fair credit reporting act XXXX XXXX XXXX has violated my rights. 

privacy and consent 15 USC 1681 section 604 A section 2 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.

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

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 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-24
Company: Healthcare Collections-I, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The doctor charged the wrong health insurance company. Correct information was provided but the doctor 's office never followed up and instead, turned it into collections. Debt is now to old to file with the correct health insurance company. In the mean time, the collection is showing up on my credit record and causing credit problems.

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 2021-09-24
Company: JPMORGAN CHASE & CO.
State: NJ
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:
Chase has not resolved my dispute with a merchant that owes me credit. Chase claimed Visa does not allow them to submit for dispute on the items due to the age of the item. However, this is incorrect as Visa does provide full recourse in my situation as outlined in my documents attached. Chase mishandled my matter and I plea and demand this matter be resolved asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
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:
I was sued by XXXX and XXXX Attorney firm and they got a judgement to levy my bank accounts. I have never received anything from this company before. The original creditor is XXXX XXXX credit card. Then Portfolio Recovery bought the debt and hired XXXX and XXXX to collect the debt. I received the judgement in the mail on XX/XX/XXXX. It states it was mailed on XX/XX/XXXX. The amount of the debt is {$2000.00}. The Statute of Limitations applies to this case. This account is Time Barred. The account was opened in XX/XX/XXXX. The last payment was received by the company on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Experian Information Solutions Inc.
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:
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 15 USC 1681. 

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 inructions 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

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 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I sent letter out XX/XX/XXXX to XXXX, transunion, and XXXX. Here is my complaint id XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 
According to the law 15 U.S. Code 1681 - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2021-09-24
Company: CarMax, Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am a Carmax customer who purchased a vehicle from their XXXX, Maryland store in XXXX of XXXX. I also financed my vehicle through Carmax XXXX XXXX at that time. On XX/XX/XXXX, I visited the XXXX store to make my car payment and was told there was an issue with the credit card processor after swiping my card for payment. I logged into my bank account and verified that the payment had indeed come out of my bank account, showed proof of the payment to the XXXX XXXX representative handling my payment, and was told I was good to go. Two to three weeks later, I began receiving collection phone calls from Carmax XXXX XXXX several times a day, claiming that I had failed to make payment for the month, despite having explained what had happened to each Carmax associate who called. After verifying with my bank that the payment made on XX/XX/XXXX at the XXXX store had in fact posted as a final charge, and hadnt been returned to my bank by Carmax XXXX XXXX, I provided this information in addition to bank statements to prove that the payment has been made on time. Over the next few weeks, I continued to receive collection calls, even though Id taken copies of my full bank statement to the XXXX store as instructed, faxed Carmax XXXX XXXX these documents and screenshots of the payment screen provided by the Business Office at the XXXX store as instructed, and spoken with numerous Carmax XXXX XXXX associates along the way on everything that had transpired. Since XXXX of this year, I have been dealing with this horrible ordeal and JUST received resolution today, XX/XX/XXXX. As a result of Carmaxs mishandling of my information, failure to follow appropriate processes for troubleshooting and remediating the error, and system glitches at the XXXX store, my credit score has dropped XXXX  points. After receiving proof of payment documentation, Carmax XXXX XXXX STILL managed to report a delinquent payment history to the credit bureaus. Soon after, I received notification of a flag on my credit report and immediately contacted Carmax XXXX XXXX to beg them to fix the issue to avoid any further negative reporting. That was not done. Carmax issued a refund for my XX/XX/XXXX payment in late XXXX and informed me that as soon as I made the payment again, the funds would immediately be applied to my account and the payment would be backdated to the date I made the payment at the XXXX store, XX/XX/XXXX. That also did not happen. I found out, just last week, that Carmax XXXX XXXX had also failed to backdate the payment to XXXX with their internal Accounting team, thereby triggering the automated system to send a negative report to the credit bureaus that my account was delinquent and past due, thereby causing my score to drop by XXXX  points.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Experian Information Solutions Inc.
State: OK
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:
Please provide me the documentation on how you verify that I am late for these accounts

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 2023-07-17
Company: TMX Finance LLC
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
I got the title loan in XXXX the car was registered to me and the title was in my name they repossessed the car sent it to the insurance and then brought it back and in court relinquished the car to XXXX  XXXX XXXX I was never given the option to retrieve the car nor was I informed that it was being repossessed. they are trying to charge me the full amount of the loan but can not return the collateral that was put up for it. they will not discuss anything with me because the manager that went to court has since been fired along with another manager for basically doing whatever they wanted. titlemaxs  legal department did not appear in court the manager did.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
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: Account status incorrect

Complaint:
XXXX added an settled old account to my Credit file in violation of FCRA hindering my ability to obtain a new loan. Having the credit bureaus report a 2nd mortgage on my 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 2017-09-10
Company: EQUIFAX, INC.
State: MD
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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover through the newspaper. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. This service should be provided for life, not one year which Equifax is currently offering. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: WELLS FARGO & COMPANY
State: FL
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2021-09-24
Company: United Collection Bureau, Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive 2-6 calls daily. Often, they will call twice back to back from two different numbers. They have also called my husband without my permission and revealed to him that they were calling for me about a debt.

Company response to consumer: Closed with explanation