BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-07
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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This information is incorrect and does not belong to me, I do not want it in my report. 


XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26
Company: MOHELA
State: KY
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:
The list of things wrong with MOHELA is beyond extensive. Theyve given me incorrect information about my loan repayments on multiple occasions that have resulted me losing thousands of dollars. Collectively, Ive easily spent XXXX hours on hold with them since being transferred to their service. Once I spent XXXX hours on hold before someone answers and then immediately hung up on me. This company is not fit to operate in the XXXX, and everyone involved in running this operation deserves jail time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Chime Financial Inc
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
I called chime and informed them that someone had stolen my wallet and use my card. The dispute lasted all of 3 days and they denied it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: EQUIFAX, INC.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07
Company: Kriya Capital, LLC
State: WI
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CREDENCE RESOURCE MANAGEMENT DEBT OF {$250.00} WAS ADDED TO MY CREDIT REPORT. I FILED A DISPUTE WITH XXXX AND THAT HAS BEEN SUBMITTED. THEY RECOMMENED I FILE WITH THE FTC BECAUSE IT WAS NOT ME THAT OPENED THIS DEBT. I NEVER RECIEVED ANY PAPERWORK OR PHONECALLS FROM THIS DEBT COLLECTOR. WHEN I CALLED THEM. THEY HAD MY SSN AND DOB ONLY. HOWEVER, THE EMAIL ON FILE THEY HAD WAS MY EX 'S WIFE. LEADING ME TO BELEIVE SHE OPENED THIS WITHOUT MY CONSENT UNDER MY NAME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$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 explanation
Consumer complaint received 2022-10-22
Company: EQUIFAX, INC.
State: LA
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:
My legal identity is XXXX XXXX XXXX, only address is XXXX XXXX XXXX, XXXX XXXX, La., XXXX, my social has been compromised also, and only want this information on my credit report, legally everything else is considered fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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:
You are in Violation of furnishing my consumer reports to person/s that do not have any permissible purpose or any legitimate business reason to receive those reports which is a clear violation of my right to privacy. 

On XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX you furnished my consumer report without a permissible purpose as per 15 USC 1681b ( 2 ) or knowingly without a legitimate business reason pursuant [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i ).

The Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully furnishing my { Insert CRA that inquiry is on here } consumer report on { Insert Date,XXXX } without my authorization or a permissible purpose under the 15 USC 1681b ( 2 ) Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.

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. 
2. The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ).

I hereby request pursuant rule 1002 the permissible purpose or legitimate business reason certification that authorized the furnish of my consumer report on XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX Be advised the advisory opinion of BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1022 Fair Credit Reporting ; Permissible Purposes for Furnishing, Using, and Obtaining Consumer Reports explains that the permissible purposes listed in FCRA section 604 ( a ) ( 3 ) are consumer specific, and it affirms that a consumer reporting agency may not provide a consumer report to a user under FCRA section 604 ( a ) ( 3 ) unless it has reason to believe that all of the consumer report information it includes pertains to the consumer who is the subject of the users request. The Bureau notes that disclaimers will not cure a failure to have a reason to believe that a user has a permissible purpose for a consumer report provided pursuant to FCRA section 604 ( a ) ( 3 ).

This advisory opinion also reminds consumer report users that FCRA section 604 ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose. 

So why was a consumer report furnished to XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX without a permissible purpose or legitimate business reason?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft as my social security number and my driver 's license has been compromised and there have been multiple unauthorized accounts opened under my name on my credit report. I have filled out an identity theft victim complaint and affidavit but am waiting for my new driver 's license in the mail in order to get it notarized. I have also been advised to file a police report, which I may file once I receive my new license in the mail. I have disputed multiple fraudulent accounts being reported on my credit with XXXX, XXXX, and TransUnion. The only bureau that has done right by my request/demand is XXXX. I am including a copy of my most recent XXXX credit report with the most up-to-date information. I am requesting that XXXX and TransUnion review the XXXX credit report I am attaching to this complaint and update my credit report EXACTLY how XXXX has done so! 

I am also attaching a subsection of the FCRA to justify these changes. 

Since XXXX has met my demands of updating my credit report to the current and correct information, XXXX and TransUnion MUST update my credit report exactly as such.

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 2023-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I supplied all three credit bureaus with proof from the XXXX XXXX XXXX verifying that the debt being reported by XXXX XXXX for XXXX XXXX XXXX in the amount of XXXX was not valid and should be removed and despite the written proof from the court showing a balance due in the amount of XXXX and that the eviction was dismissed and balance was XXXX. This item continues to be reported and is negatively affecting my credit. I have contacted the company for assistance and have not received a return call with a resolution. I am requesting that this item be removed as it is not valid or accurate. 

I submitted the proof of dismissal with a XXXX balance to XXXX, XXXX and Transunion on XX/XX/2023 and was advised that it was forwarded to the company for investigation and removal on XX/XX/2023 and today XX/XX/2023 the item has not been removed. Please see attached proof of dismissal with a XXXX Balance from the 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 2023-05-04
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
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 was sold a XXXX in XX/XX/2019 with Credit Acceptance & was told at the time that my card I was using through my work was an acceptable card to pay my loan. I set up auto payments & went about my business. Well 2 months later Im getting phone calls that my car is now two months behind on payments. Which my monthly payments were just over {$600.00}. So now they're telling me I already owe over {$1200.00}. I argued with them that i was on automatic payments & that there is no way im already behind. they said that the card i had on file wasn't a real bank card & they can't pull payments from it. So now they're asking me to come up with {$1200.00} on the spot plus my next payment that's going to be due. No one called when my first months payment didn't go through nor when my second. They were calling me when it was about to be my third month. The card I had at the time wasnt set up to be able to see what was being withdrew so I had no idea. They end up repossessing my vehicle & putting a repossession on mine & my gf 's credit score. & that is now on their for the next 7 years. They keep trying to collect money from me & even took my state tax returns. This company is HUGE SCAM & will do whatever it takes to get money out of you. They will ruin your score & any chance of actually getting a decent vehicle or even buying a home. All because someone couldn't give me a heads up that my card I was using they actually didn't accept like they had originally said & now I have to deal with the consequences for who knows how long. I want my justice & for my name, my now fiancee 's name & both of our scores to be cleared of the repossession that never should have taken place

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: MOHELA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Date : XX/XX/XXXX Mohela- XXXX XXXX XXXX MOHELA XXXX Missouri Higher Education Loan Authority MOHELA Address : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Re : Request for Partial Refund and Recalculation of Student Loans Pursuant to PSLF and IDR Plan Dear Mohela- Fed Loan Servicing I trust this letter finds you well. I am writing to formally communicate my persistent attempts to contact MOHELA with regard to obtaining a partial refund for a withdrawal dated XX/XX/XXXX, and the recalibration of my student loan obligations going forward. Kindly acknowledge this correspondence as a representation of my formal request. 

Over the course of the past three to four weeks, I have engaged in three distinct dialogues with various MOHELA representatives concerning the recalibration of my student loans in accordance with the Public Service Loan Forgiveness ( PSLF ) program and my pending Income-Driven Repayment ( IDR ) Plan Request. It is imperative to note that my professional occupation as an educator does not yield a substantial income, rendering the current monthly installment of {$780.00} untenable for me. 

During each of the aforementioned conversations, all MOHELA representatives verbally assured me that the recalibration of my repayment plan would be completed before the scheduled debit of my auto-debit account on XX/XX/XXXX. Specifically, the recalculated monthly installment was supposed to be modified from {$780.00} to {$200.00}. Regrettably, upon reviewing my bank account today ( XX/XX/XXXX ), I ascertained that my IDR plan remained unaltered at the amount of {$780.00}, which necessitates an immediate partial refund of {$570.00} to be credited to my bank account. Furthermore, I insist upon the recalibration of my IDR plan to reflect a monthly payment of {$200.00} moving forward before my next payment on XX/XX/XXXX. 

I implore you to expedite a response to this correspondence to facilitate the resolution of this pressing matter. I am currently constrained by the financial burden imposed by the existing monthly payment, and it is incumbent upon MOHELA to rectify this situation promptly. In the event that these issues remain unaddressed within a reasonable timeframe, I must regrettably consider engaging legal representation to safeguard my rights and interests. 

I appreciate your understanding of the urgency of this matter and kindly request a prompt resolution. I am prepared to cooperate fully with any necessary documentation or information required to expedite this process. 

Sincerely, Anonymous Student Loan Borrower

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: NY
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:
This is my second attempt to resolve this investigation I asked ALL three bureaus to investigation and update my STATUS UPDATED. Still it said on my credit report this last time it was updated wasXX/XX/XXXX and if this report was generated on XXXX XXXX then no such investigation was done. So, I'm asking please hold these three company responsible by removing. 
XXXX XXXX XXXX XXXXXX/XX/XXXX- account XXXXXX/XX/XXXX- account number- XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX : # XXXXXXXX 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 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 2023-03-19
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error I Recently checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The DEPT OF EDXXXX 's failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 

( 5 ) A computation error or similar error of an accounting nature of the DEPT OF EDXXXX 's on a statement. 

As i know the creditor did not notify me 21 days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

The account was paid as agreed and closed. There were not late payments, nor was I notified of payments being late 21 days prior to the account being placed in collection. 

As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, I have already involved and sent this letter to the Complaint portal for ( State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission ). 
Sincerely, 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 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-07-28
Company: SANTANDER HOLDINGS USA, INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I traded a car in XXXX where I was underwater. I had decent credit score, but the used car company, XXXX XXXX, selected Santander XXXX XXXX % to service the car loan. I didn't realize what the interest was on the loan until the next day. I was told that I could refinance the car to get out of the loan. I contacted Santander about the refinancing or lowering the interest rate as my XXXX score was greater than XXXX, and they refused. 

I had also put down XXXX for the downpayment of the vehicle. I could not get anyone to touch the car, so I ended up having to pay XXXX to trade the car. 

I am requesting the {$10000.00} from Santander. {$8000.00} for the downpayment I made in XXXX, and the {$2000.00} I payed on top of the regular payment, trying to get the car to a level where I could trade it. I had to trade the car to get out of the loan and I really liked the car, so because of their deceptiveness and predatory lending practices, I am out a large chunk of money and a car I don't like.

Company response to consumer: Closed with explanation