BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-21
Company: EQUIFAX, INC.
State: MA
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 engaged in lax security practices and, as a result, my credit information was revealed to hackers. Now I need to take highly inconvenient protective steps to safeguard my security. This is an unnecessary distraction and highly troubling, particularly as I am seeking credit now for the purchase of a primary residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
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:
These fraudulent accounts are reporting on my credit report 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 explanation
Consumer complaint received 2017-09-21
Company: Bliksum, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I was 7 days past due on a loan payment with XXXX. I had already informed them it would be late due to unforeseen health problems and lost pay from missing work due to my health and my family 's health. They were calling me excessively at work and on my cell phone number from numerous area codes and left a huge amount of voicemails all week. Then on XXXX/XXXX/XXXX, I received an email from my company email from another employee of the company I work for, whom I do not know, do not work in the same office with or have ever even met saying that " XXXX at XXXX XXXX called and she would like for you to give her a call at ( XXXX ) XXXX, their open until XXXX. I was completely embarrassed and outraged that they did this, I do not even know her! I faxed them, sent them online letter as well as mailed a cease letter informing them that I am not allowed calls at my place of work and especially they are NOT allowed to contact a third party co-worker with my personal loan information, which saying they 're from XXXX XXXX is pretty obvious I owe a debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
This Consumer Credit Reporting Agency received a letters from me demanding them to remove a bankruptcy and other accounts related to that bankruptcy from consumer credit report. In the letters I advised them that they are violating 15 usc 1681 by not respecting my right to privacy and also violating 15 usc 1681b by reporting those item with out having the written instructions of the consumer to whom it relates. They did a " investigation '' and updated the files on my consumer credit report. In the conclusion of that " investigation '' I did not receive any paperwork from the credit reporting agency to prove that they did a accurate investigation ( 15 usc 1681g ( a ) ( 1 ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
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 information incorrect

Complaint:
XXXX XXXX  incorrectly reported a 30 day late payment on my credit card. I went to a XXXX  branch and the bank manager opened an investigation. I then received a letter from XXXX that the information was reported in error and they would update the information with XXXX, XXXX and Transunion. They never did.

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 2022-11-19
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act : 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 an account without my written instructions. I am requesting a copy of my written instructions that I provided to each of the credit agencies. If the agencies are not able to provide the requested information they will have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: CURO Intermediate Holdings
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
took out a personal loan with speedy cash in   XX/XX/XXXX  in the  amount of  XXXX  paid it of o n  XX/XX/XXXX ..and my  pay off  XXXX  payments were taken out twice a month at  XXXX  dollars i paid over  XXXX  dollars just to pay if  XXXX  dollars less of what i borrowed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
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 information incorrect

Complaint:
MY OLDEST ACCOUNT IS NOT BEING REPORTED. 
MY OLDEST ACCOUNT IS ( XXXX XXXX/XXXX ) FROM XX/XX/2015 credit agency is reporting the wrong information. My oldest acount is ( XX/XX/XXXX/XX/XX/XXXX ) it is over 3 years old.

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 2022-08-09
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Care Credit Sychony Bank I applied for a credit card mostly for vet  bills for animal care, years ago I did have one it was paid in full, Last year I applied a second time and it was approved and I was sent the card and I never needed to use it so I was sent a letter by the credit card stating that if I did not use the card by XX/XX/2022 they were going to cancel the card, so I did not need to use the card at all so it was cancelled. So now I wanted to get the credit card renewed and was denied for a reason unknown called the company and they stated they never sent the letter and have no records unfortunately I can not find the letter or credit card number so this is my problem I just would like to know why my application was denied and I had a valid credit card before Thank you for your time

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 2020-10-19
Company: General Motors Financial Company, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I contacted GM Financial to extend my lease to get time to find financing. I was given a 2-mo extension and was told to call back as I can receive up to 6-mo ext of time. When I called back to extend the lease I was told that due to previous paying ( yes, I have been late due to divorce and COVID but my account was paid up to date when I made phone call ). I tried to purchase vehicle at a lower purchase price and was told that wasn't an option and that I was to return vehicle to dealership immediately. I wanted to purchase vehicle because the mileage was high. Since I was instructed to turn lease in, I went to  XXXX XXXX XXXX and turned vehicle in. I was told by XXXX at XXXX that they would pay what was owed to GM Financial. Much to my dismay I was sent an XXXX invoice. I contacted GM Financial and told asked them why I was being charged this exorbant amount for vehicle. They informed me that I needed to contact XXXX XXXX XXXX for information. I contacted XXXX XXXX XXXX and requested amount paid to GM Financial for the lease. I spoke with XXXX and later another supervisor. Both informed me that the information was classified and that I was not privy to the information. I believe GM Financial is trying to get from me more than the vehicle is even worth. If they had sold the vehicle to me directly I wouldn't be in the upside down position i am in. GM Financial should not be allowed to  SQUEEZE every XXXX out of its clients. In these times of COVID, I am requesting that this be looked into and I be released from the XXXX debt that was added to my credit report. This is robbery at its finest with no one to account for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Experian Information Solutions Inc.
State: MS
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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or a list of inquiries : 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 an 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.

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 2022-10-11
Company: Experian Information Solutions Inc.
State: IN
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. 

XXXX XXXX : # XXXX, XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX 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 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 XXXX 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 non-monetary relief
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Car dealership was present with credit approval from XXXX XXXX and what going only go with them and ran my credit without my consent with other options. I told them that and showed them that i was approved already with XXXX XXXX for a certain amount. 
They ran my credit through XXXX XXXX XXXX XXXXXXXX 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 2020-10-19
Company: CNG FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
The company Dispute Resolutions contacted me as well as my family telling me that I was going to get sent to court and the debt I had from Check n Go from 7 years ago that was less than {$250.00} was being sued on me for defrauding a financial institution, and numerous other charges and if I didnt take care of it then, I could be taken to court. I cant afford that. I set up a {$50.00} payment plan that did not go through and I spoke with the gentleman again to ask questions and he began yelling at me calling me names. Now another man is contacting my family and I called asking them to stop contacting my family and he threatened to serve me with papers. I called that number about trying to get the calls to stop and all they did was yell at me and call me a XXXX  XXXX and told me that the number I called was apparently a mistake. When I asked who XXXX XXXX was ( the person who left the message with my family ) He said I was a coffee and donuts XXXX like the president said and the reason they are calling my family is to find me. I said scammers make threats and insult and yell at people. He asked if I wanted to come have coffee and donuts and then said no Id be too XXXX  to do that. He called me a low IQ person. I asked for their address and he hung up. Its scary. That callback number was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus last XX/XX/ to update this suspicious information. I think you have not validated these accounts 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, and I'm including it again XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}

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 2023-08-23
Company: WELLS FARGO & COMPANY
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received notification from Wells Fargo about my online checking account. I NEVER OPENED ANY ACCOUNTS WITH THIS COMPANY IN MY LIFE!! I called this bank and sent several emails that this was a fraudulent account and they refused to close it.

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 2020-11-27
Company: EQUIFAX, 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: Information is missing that should be on the report

Complaint:
This is my 4rth complaint filed and to date EQUIFAX has not fixed the problem. 

The problem : Equifax is not reporting my revolving ( credit card ) accounts on my credit profile history. I have 2 credit card accounts through XXXX XXXX. 
1. XXXX  XXXX Visa ending in XXXX 2. XXXX  XXXX Mastercard ending in XXXX XXXX XXXX communicated to EQUIFAX to report these accounts. I've attached this letter that XXXX XXXX wrote me notifying me of this. And yet to-date EQUIFAX still is not reporting onto my credit profile history these revolving accounts -- -attached is a screenshot of " myEquifax '' account showing 0 Revolving Accounts. 

Equifax is the ONLY credit bureau that is NOT reporting my 2 revolving accounts above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 9th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX Balance : {$1100.00}

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 2019-06-04
Company: Midwest Recovery Systems
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:
Midwest recovery systems has put a collection account from XXXX in my XXXX credit report which is not my account. This is the third time they have done this and i had to complain to the XXXX to get it removed which sid happen now i want this account removed from my credit report this is fraud. I also believe this company needs to be investigated about their business practices

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
THESE ARE UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT, THAT IS BEING REPORTED. THERE WAS BREACH IN EQUIFAX TO WERE MY INFORMATION WAS COMPROMISED. RESULTING IN THESE INQUIRIES TO ALL CREDIT REPORTING WITH EQUIFAX, XXXX AND 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 2023-03-28
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have a payment arrangements of {$50.00} at one point at was given a balance to pay off of {$280.00} now I been given a higher pay off amount over {$500.00} and still show on my credit report as a owe {$850.00}. I want it remove for my credit report. And I know I can pay off with way less than XXXX but I need this collection remove from my credit report. 
Please help is affecting my credit with other creditors... thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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