BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-02
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I am a natural person, I am a living being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts XXXX XXXX XXXX XXXX XXXX 
Original Creditor Name XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$560.00} Amount {$560.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification CABLE_OR_CELLULAR Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX WA XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$120.00} Amount {$120.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$440.00} Amount {$440.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$2500.00} Amount {$2500.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21
Company: Santander Consumer USA Holdings Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I haven't received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Transunion ( TU ) refuses to accept complete/comprehensive disputes on XXXX alleged XXXX accounts. ( " Gold '' # XXXX and " Blue '' # XXXX ). 
1. The alleged accounts were charged off at the same time, XXXX XXXX, XXXX though XXXX, or, TU is concealing the date of the " Gold '' account willfully and purposefully. 
2. Therefore the TU " deletion drop off date ( s ) '' is, correctly XXXX/XXXX/XXXX. 
3. The FCRA indicates a seven year reporting period for alleged debts. 
4. Yet TU shows a " deletion drop off date '' of XXXX XXXX, XXXX. 
5. TU is exceeding the " deletion drop off date '' by 8 months. 
I have challenged TU and XXXX to produce evidence of these alleged debts which contradicts these facts and they have refused to supply such documentation. Therefore, in compliance with the FCRA regulations I DEMAND both parties supply documentation ( etc. ) in support of their position ( s ). 
To show the disingenuous nature of the parties involved I attach a comparison of the wide variety of deletion dates for these accounts by the XXXX major Credit Reporting Agencies who all assert they have " checked with '' XXXX to determine the " facts ''. 
I continue to assert these alleged debts are only reportable, as collectable, for a period of 6 years per Colorado statute ( authority previously provided ) which is being willfully and purposefully violated by the false representations on my credit report - which in itself, is a violation of the FCRA. ( This is a separate dispute which now moves to litigation. )

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 2017-01-20
Company: ALLY FINANCIAL INC.
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I made two extra payments for {$2000.00} and {$2100.00} to my car loan ( # XXXX ) with Ally on XX/XX/XXXX and XX/XX/XXXX respectively. When the payments posted to my account Ally charged me interest for each one. 

On XX/XX/XXXX I contacted XXXX separate Ally representatives ( XXXX and XXXX ) via Ally 's account chat feature to request that the extra payments be applied to principal only. The reps said they would apply the total amounts to principal. The XXXX representatives stated that any future extra payments that I want to make to principal only can be accomplished if I make a request after the payment by phone or chat and then they would adjust the payment to apply to principal only ( chat sessions attached ). 

On XX/XX/XXXX I viewed my account to make sure Ally had applied the extra payments to principal but instead they had added XXXX confusing transactions to my account and I could not determine if the amounts were applied to principal. Furthermore, there is no itemization on my account which shows how each of the transactions affected the principal amount. 

On XX/XX/XXXX I telephoned Ally and spoke to XXXX ( refused last name ) and she avoided my question multiple times when I asked her to explain why they created the XXXX additional confusing transactions for just XXXX payment adjustments. The descriptions for the transaction types vary greatly and they make no sense considering I only asked for XXXX simple payment adjustments. They include " online payment reversal, '' " unpaid balance reduction, '' " payment for check reversed, '' and " insurance payment. '' I then noticed that one of the interest charges ( {$3.00} ), for one of the extra payments, was credited and debited 5 times but in the end it was not reversed. XXXX, contradicting what the other XXXX reps told me, said Ally only applies extra payments to future payments, applies daily interest to the extra payment, which pushes back my payment due date. XXXX said that even if I request the extra payments be applied as principal only, interest will still be charged despite what the other XXXX reps told me. 

All the above actions by Ally are just a tactic to optimize the interest they earn on car loans. Furthermore, for XXXX Ally representatives to say principal only payments can occur and a third that says they ca n't is very suspicious.

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 2017-05-25
Company: Revenue Assurance Professionals LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Summary of your complaint Complaint number :  XXXX  Date submitted to CFPB :  XXXX / XXXX / 2017  Date sent to company :  XXXX / XXXX / 2017  Product : Credit reporting, credit repair services, or other personal consumer reports Issue : Incorrect information on your report This company is replied submitting false information to your organization I will attach additional proof from both  XXXX   XXXX  and  XXXX  submitted by them on the  XXXX  fo  XXXX   2017  That this is the correct company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: Experian Information Solutions 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:
Fraudulent inquiries and inaccurate account information

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 2020-03-21
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:
I HAVE CHECKED MY CREDIT REPORT AND FOUND SOME ACCOUNTS AND INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE ACCOUNTS ARE ALL NEGATIVE ACCOUNTS AND IS CAUSING A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. I HAVE NO IDEA HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT. I AM ASKING THAT AND INVESTIGATION TAKES PLACE SO THAT THESE ACCOUNTS AND INQUIRIES CAN BE REMOVED OFF MY CREDIT AS SOON AS POSSIBLE BECAUSE THEY DO NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY 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 explanation
Consumer complaint received 2022-08-30
Company: Experian Information Solutions Inc.
State: NC
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. My personal information was taken from a storage unit I had that was auctioned off. Please delete these items immediately. I have reached out to all creditors as well. 

XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX {$800.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXXXXXX {$270.00} XXXX XXXX XXXX {$980.00}

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 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX is in violation of my privacy rights according 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan a late payment 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 2015-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I went to school for the year XX/XX/XXXX, in which I am listed as having a " XXXX day late '' in XX/XX/XXXX. 

My school sent letters to the CRA. There was no investigation. There was no response from anyone. Although this is not about the student loan itself, but of the investigative CRA process that never occurred, XXXX even admitted to me over the phone they see this happen " all the time '' with XXXX students, and is a computer glitch. They refused to do anything but insist I have my school send a letter documenting enrollment, I sent said letter, and the CRA never once acknowledged much more than the fraudulent listing. On multiple currencies. Since XX/XX/XXXX. This ai n't cool, bro. 

This is woefully inadequate, arbitrary, and capricious. Yet most of all, this ai n't cool, bro. I had in-school forebeafance, and the CRA 's all knew that. All list XXXX trade lines on my account. XXXX admitted it was systemic issue at XXXX. Yet again, this is a CRA investigation matter. 

So, the CRA 's know about it. And, they do n't question it. No investigation took place. This is CRA fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
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:
Fraudulent inquiries and inaccurate account information

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 2020-03-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
My credit reports and not accurate and they are taking out points instead of giving me points on my paid credit cards balance. The credit report shows different balance and recently they took 27 points away from me because base in the information you provided was negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a Wells Fargo account since XXXX. This loan was setup though ( MERS ). mortgage electronic registation services. Which I was told was not legit, but I I'm a very credit conscious person with no extra money to pay a lawyer & no time to really seek the information needed. Back in XXXX I got a loan modification, now here in XXXX XX/XX/XXXX. I get a call from XXXX XXXX XXXX. Telling me they own my loan now, how can I make the payment. They told me I was late & gave me a lot of attitude for nothing, in a form of bullying, talking down to to. I told the person the payment was made to wells forgo. Then I see the money was bounced back into my account. I never received any paperwork stating my loan being moved from either one of these financial institutes. I also seen somewhere that Wells Fargo need to send me a document that they own the loan to transfer it. Not sure if it's true, but I need your help seeking justice. Thanks to this incident I'm back on the fraud that Wells Fargo committed on my paperwork. 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 2015-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Recently my bank XXXX XXXX XXXX check my credit report in order to give mea loan for a house and appear in the report a bankruptcy.I never declared bankruptcy

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On all XXXX of my credit reports there is XXXX XXXX XXXX # XXXX which is shown in Adverse Accounts. I included this in my Bankruptcy which was filed XXXX/XXXX/15. That fact is not shown on none of the Credit Reports and I wish to change that on all 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 2016-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I called transition and XXXX to take off hard inquiry 's off my report from XXXX XXXX 2016 I went for XXXX car loan now I have XXXX inquiries on my credit report I gave no authorization for this and I want them off of my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
XXXX XXXX XXXX pulled my credit report on XX/XX/XXXX. 
I have had a freeze on my reports since XX/XX/XXXX. 
This company had no authority to pull my credit-I had no account with them, no business relationship, I did not apply for credit etc. 
They should have not been able to gain access to my report. 
This keeps happening despite the freeze being placed long ago and yet every time I call TU they refuse to do anything about it or to investigate.

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 2017-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have dispute XXXX XXXX XXXX accounts on my credit report XXXX times, twice via online, and twice via mail. Each time I have submitted a receipt from the creditor showing that the accounts are paid in full and are to be removed from my reported. Transunion continues to say that the accounts are active collections despite documentation.

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 2017-01-30
Company: Navient Solutions, LLC.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
It is XXXX and I have had 7 calls from XXXX at General Revenue Corporation in XXXX, Ohio already today. 6 calls to my work phone and 1 to my cell phone. 

Several calls are just minutes apart. Only one time did he leave a message on my work voicemail.

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 2022-03-28
Company: Social Finance, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2022, I paid my SoFi personal credit card statement balance in full ( over {$2500.00} ). The credit card company 's own app showed that the payment posted ( not pending, but posted ) on XX/XX/2022. The payment is also shown as having been drafted from my checking account at another bank. I have tried to use the card, but it is being declined. I called customer service and was told that the payment posted but that I would need to wait another 2-5 business days before the payment would actually be credited to my account. I don't understand why they are showing the funds as posted, drafted out of my deposit account, but SoFi will not acknowledge that payment for several additional days. I have never missed a payment and have not overdrafted this account. It appears that the card company is using my funds for several days before after the payment is shown n SoFi 's system as having been posted. This practice of essentially holding funds for a week is depriving me of my use of the funds without compensation. At minimum, it is deceptive and misleading to relay to a consumer that a payment is " posted '' but then failing to actually apply it to the statement balance for several business days. This has caused embarrassment to me when the card was declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I noticed several inquiries that had been deleted reappear on my credit report and double report. I called transunion customer service and explained several inquiries are showing up on credit report that were gone. After she explained she could not help me i asked for a supervisor and after a long hold was disconnected.

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 2017-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
TRANSUNION STATES INQUIRIES ARE FACTUAL DATA AND CAN NOT BE DISPUTED. THE FCRA STATES THAT ANY DATA ON YOUR CREDIT FILE THAT IS NOT VERIFIABLE IS NOT FACT AND SHOULD E DELETED ASAP

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