BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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  Account # : XXXX, Account Name : XXXX Account # : XXXX, Account Name : XXXX Account # : XXXX, Account Name : XXXX XXXX  XXXX Account # : XXXX, Account Name : XXXX XXXX Account # : XXXX, Account Name : XXXX Account # : XXXX, Account Name : XXXX XXXX Account # : XXXX, Account Name : XXXX XXXX  Account # : XXXX, Account Name : XXXX  XXXX Account # : XXXX, Account Name : XXXX XXXX  Account # : XXXX, Account Name : XXXX XXXX  Account XXXX : XXXX, Account Name : XXXX XXXX  Account # XXXX XXXX, Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX, Account Name : XXXX XXXX  Account # XXXX XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) Account # : XXXX, Account Name : XXXX XXXX Account # : XXXX, Account Name : XXXX Account # : XXXX, Account Name : XXXX Account # : XXXX, Account Name : XXXX Account # : 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 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 non-monetary relief
Consumer complaint received 2022-12-22
Company: Experian Information Solutions Inc.
State: LA
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 called XXXX/Experian/XXXX  after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Names : Addresses : Accounts : And inquiries : on my credit report which are misleading to me. I sent a letter to the XXXX credit bureaus. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that this XXXX  XXXX Late payment XX/XX/XXXX XXXX days late will be removed. 
XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX Balance : {$9700.00} XXXX  XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX Balance : {$9700.00} XXXX XXXXXXXX XXXX Balance : {$610.00} XXXX XXXX XXXX Balance : {$9700.00}

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 explanation
Consumer complaint received 2023-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
Capital one pre paid credit card XXXX XXXX XXXX XXXX XXXX Open the account XXXX Closed the account XXXX Pre paid {$200.00}. I paid that amount.I spent {$150.00} Balance owe {$370.00} My Question is How and why Capital One pre paid credit card think that I owe them a balance when I put money on the pre paid card to help out my credit.Capital one all they did is destroy my credit.I have close the account. Capital One is still on my credit report XXXX Capital One made my credit XXXX worst.I know I'm not the only XXXX they have done this too.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Account # 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 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 explanation
Consumer complaint received 2023-07-13
Company: OneMain Finance Corporation
State: PA
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:
I recently pulled my credit report and saw unauthorized inquiries on my report. The unauthorized inquiries are in violation of the Fair Credit Reporting Act 15 USC 1681. 15 USC 1681b states A person shall not use or obtain a consumer report for any purpose unless 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section, and 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I tried contacting Experian about the fraudulent accounts on my credit report. They refuse to remove them even though they are not mine.

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 2023-07-13
Company: WLCC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
Explore Credit illegally debited my bank account on XXXX three-times, totaling {$340.00}. At the time, I was traveling out of state and this caused significant inconvenience and declined transactions during my travel. Since XXXX, I have attempted to obtain a refund from Explore Credit. I have emailed consistently for updates on my refund, only to be informed that its been processed and will receive it within 3-5 days. Two weeks later, there has been no refund and I continue to get the run-around from them on the amount they are returning and when. They too informed me it was a glitch in their system, but I am very skeptical of this since they have not returned any of the funds. They stole this money from my account and clearly do not want to return it. These transactions were completely unauthorized and are in the process of getting legal representation. If Explore Credit can fund loans within 24-hours, there is no reason it should take two+ weeks to get a refund issued. I have multiple emails and records of Explore Credit admitting to the mistake, telling me a refund will be processed and asking me to be patient and simply wait. Of course, they cant tell me how long to wait since none of the representatives via phone or email will transfer me to a supervisor. 

In addition, Explore Credit charged me twice on XX/XX/23, also failing to provide any refund despite saying they would do so. Their responses have been deceiving, deceptive and blatantly false. I am filing complaints with all regulatory agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$3800.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$13000.00} ; XXXX XXXX XXXX Balance : {$110.00} ; XXXX XXXXXXXX Balance : {$1400.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX 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 2023-07-13
Company: Westlake Services, LLC
State: MD
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 contacted Westlake Financial around XXXX, to voluntarily repossessed my car. They agreed and contracted with a company to picked up the car. I was sent a letter within XXXX business days, informing me that car will be sold at XXXXuction on XXXXXXXX. I was told that after the auction is complete I was going to be informed if I am owed any money or entitled to any refund per law. Its almost XXXX weeks and nothing, yet they are still expecting me to pay {$1000.00} XXXX  month and still continues to harass me regarding miss payments even though I have expressed to them that I can not afford that type of payment anymore. I did reach out to customer service a XXXX ago, a representative expressed to me, saying stuff like ( " these things take time to resolve '' ). I did ask the representative to send me any documentation regarding the sale of the auction in writing and as of XXXX XXXXXXXX, I haven't received nothing from them. 

I really want to get this resolved as soon as possible, Westlake Financial can be reached at XXXX ) XXXX. Your help is greatly appreciated.

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 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion credit reporting agencies have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the account XXXX. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the 4 parties. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 
XXXX XXXX Date Opened : XX/XX/06 Balance : {$0.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but TransUnion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

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 2023-07-17
Company: Southern Management Systems Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Balance {$3900.00} Balance updated XX/XX/ Original balance {$3900.00} Original company is XXXX XXXX XXXX XXXX and they sold my debt to Southern Management Systems. I have disputed this off my credit numerous times but they keep updating the balance and the date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: ACIMA CREDIT, LLC
State: SC
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:
ACIMA DIGITAL FKA Simple have been furnishing my alleged transaction & experiences with their company which is in violation of 15 U.S. Code 1681a - Definitions ; rules of construction.2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ACIMA DIGITAL FKA Simple is violated by privacy : 15 U.S.C 1681 section 602 A. States I have the right to privacy..

15 U.S. Code 1681- Congressional findings and statement of purpose ( sold to 3rd party ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: SUNRISE CREDIT SERVICES, INC
State: FL
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:
Sunrise credit services was suppose to delete their account on my credit file with all credit Bureaus from my recent complaint back in XX/XX/2023 but they only deleted it from XXXX and XXXX and not yet from XXXX since XX/XX/2023 and it is still reporting on XXXX please delete the account that you promised to from complaint id with the cfpb : 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 2023-04-21
Company: Experian Information Solutions Inc.
State: TX
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 Account 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 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. The date open on the account is wrong they different dates that the account was open.

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 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 Account 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 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. The date open on the account is wrong they different dates that the account was open.

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 2023-04-21
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: Information belongs to someone else

Complaint:
I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XX/XX/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 2023-07-18
Company: Augusta Collection Agency, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company noted as " AUGUSTA COLLECTION AGCY '' is reporting inaccurate and negative information to my personal credit report. I recently submitted a complaint and a dispute with the CFBP requesting the debt be legally validated with an original signed contract and invoice detailed why and how I owe them money. The company responded refusing to validate the debt with the original signed contract and invoice which is my right as a consumer to validate any debt that I am told I owe. The company stated " We have sent verification to the consumer '' I am not requesting verification - I am requesting THE ORIGINAL SIGNED CONTRACT BY ME AND THE ITEMIZED INVOICE DISPLAYING THE DEBT BREAK DOWN. Providing a debt collection statement will not suffice! Please cease all collection activity until legal and proper debt validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 U.S.C.1681 XXXX, XXXX ACCT # XXXX has violated my rights. 
15 U.S.C. 1681 Section 602A States I have a right to privacy. 15 U.S.C. 1681 Section 604A Section 2. Also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1681C ( a ) ( 5 ) 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.

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 2023-07-18
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On numerous occasions throughout the years, I have reached out to my servicer to understand my loan program as well as how interest accrues and was never provided with the correct information or put on the correct program. My loans continued to accrue interest when i was told that they would not. My balance increased on the back end even though i qualified for XXXX or minimal payment based on employment status and income.

Company response to consumer: Closed with explanation