BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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.

The letters are stated with items and issues.

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 2023-07-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
Capital one credit card wants me to pay charges that I didn't do. I tried to tell them, and they closed the card and left me with a bill and it's on my credit report that I owes them and I was going through fraud

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-19
Company: SLM CORPORATION
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I have wrote sallie Mae and sent them a letter ask them to release my co signer because I can afford to pay the loans off myself also since Im not in school no more I would like if they stop the payments until I can pay them off they also raised my payment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am reaching out to you in regard to someone opening accounts under my name. I haven't given anyone permission to open any accounts in my name, nor have i signed for these accounts to be opened. Some of these accounts I did not open, I'm not sure how they were opened without my consent. Some of these accounts need to be validated ; I believe they are not accurate. XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Us Bk Pt Ct Ga Account Number : XXXX. Also, there are discrepancies on the 3 bureaus meaning All 3 bureaus information does not match up. From my understanding if all bureaus are reporting the same information, then the account should be delated. I also would like to see documents bearing my signature that I opened the accounts. Without my signature anyone could have perpetrated with the opening of these account. 
Also, there are hard inquiries that need to be removed due to this identity theft. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card XXXX XXXX XXXX XXXX  XXXX. 

Upon further research Fair Cret Act states that all credit reporting bureaus must be accurate with reporting on all 3 bureaus. In accordance with Fair Credit Act these companies listed 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 an account without my written consent.

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 2022-06-06
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Been trying to get a hold of someone in customer relations with Regions for several months. The hold time is always above 40 minutes and has been extremely difficult to get in contact. I do not live close to a branch so this would be my only form of communication. I tried their online web chat as well trying to talk to a real person and over an hour went by with no response. I have been XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  so I have not received any mail. I also have no received any calls to make me aware of card cancellation. I've never missed a payment in 7 years and since they are too hard to get a hold of they didn't send me proper paperwork to inform me the card was closing. They call all the time about promotional products or late payment but no phone call for major account changes? Seems deceptive to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: EQUIFAX, INC.
State: IA
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:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX XXXX XXXX How is XXXX XXXX and Equifax reporting the monthly payment as {$260.00} a month but XXXX {$320.00}? Which one is it? Is it {$260.00} or {$320.00} a month Why are there 3 different balances being reported? XXXX XXXX is reporting a balance of {>= $1,000,000}, Equifax is reporting a balance of {$12000.00} and XXXX is reporting a balance of {$12000.00}. What is the balance of this account? 
Why is the payment history reporting inaccurately? 
For XX/XX/2022, XXXX XXXX isn't reporting anything, XXXX is saying I'm 90 days late and Equifax is reporting I'm on time. How can I be late and on time for the same month? 
For XX/XX/2022, XXXX XXXX isn't reporting anything, XXXX is saying I'm 120 days late and Equifax is reporting me as on time. Which one is it? Was I late or on time? 
This account is reporting completely inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Affirm Holdings, Inc
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I had 17 loans with Affirm totaling {$5500.00}. On XX/XX/2022 I made payments in full on all 17 loans. My balance on all 17 loans is now {$0.00}. I am trying to close my account with Affirm so that I do not acquire more loans. Affirm is not allowing me to close account. Methods I have tried to close account ( 1 ) solution : calling Affirm customer service at XXXX outcome : Affirm says I need to wait 30 days to close account ( 2 ) solution : contacting Affirm at help XXXX XXXX per their website to close account. outcome : reply from Affirm that they are not monitoring this inbox. ( 3 ) solution : contacting Affirm via online form on their website to close account. outcome : no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: Experian Information Solutions Inc.
State: AZ
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Name : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Public Record : XXXX XXXX XXXX XXXXXXXX Inquiries XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian Employers : XXXX XXXX XXXX  XXXX XXXX Addresses : XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Public Record : XXXX XXXX XXXX XXXXXXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Addresses : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Public Record XXXX XXXX XXXX Bankruptcy XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
On XX/XX/2022, I checked my credit, which dropped to XXXX points. In the XXXX report, I called about it, and they stayed that it could happen. I have been working on my credit, and it has improved. What is going on now? 

I do not understand the problem. Please help me to understand the problem.

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 2023-01-30
Company: American Credit Acceptance, LLC
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
XXXX XXXX, 2023 I was denied credit to finance a vehicle at XXXX XXXX. I was told I had to put a down payment of {$8700.00} down. when according to 15 U.S Code 1662. that is illegal in a consumer credit transaction. i do have video as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
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:
I never applied for this XXXX XXXX $ credit card from XXXX to XXXX. Account # on my credit report is 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 2022-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
To whom it may concern There is data on my consumer report that is a result of identity theft. I did not provide TransUnion explicit written permission or instruction for identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked AND deleted. My request to block is not being made in error ; nor is my request to block being made based on material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me, as a consumer. 
XXXX | XX/XX/XXXX AVANT | XX/XX/XXXX XXXX XXXX EMPLOYEE | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX | XX/XX/XXXX You are required to do what I am asking, delete and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

Thank 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 2023-10-03
Company: EdFinancial Services
State: OK
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Loan opened without my consent or knowledge

Complaint:
My identity was stolen at the end of last year. XX/XX/XXXX at XXXX Roughly. I immediately put a Fraud Alert on all three of my Credit Bureaus. However, EDFINANCIAL SERVICES : Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Phone number ( XXXX ) XXXX Approved XXXX loans in my name on the same date of : XX/XX/XXXX. XXXX student loan in the amount of : {$1100.00} and the other in the amount of : {$2000.00}. ED Financial carelessly approved these loans with the active Fraud Alert in place. ED Financials neglected to call the number I listed on my credit reports in the event that my credit was ever pulled. My number was put on my report by all three credit bureaus in the event that my credit was pulled so that I could either confirm/deny that I was the one applying for credit of any sort. I then called ED Financials. Let them know that my identity was stolen and that I was not the one who applied for the Student Loans. ED Financials requested proof of address ( to show that I had not been living at the address that was submitted to them during the application process ) and the police report. Both documents were provided accordingly. Even with the overwhelming proof of documentation, my dispute was denied. I then resubmitted the dispute because of the substantial evidence I have proving that I was not the one who had applied for the Student loans. Its been about three months and now I am unable to get a hold of anyone who is capable of assisting me. Ive put in XXXX request for calls back and have yet to receive them. Ive waited in their call queue only to be told the representative is unable to assist me. Ive requested to speak with a supervisor and was told that was not possible. Ive now had to hire an attorney to fight on my behalf because as of today I have yet to receive a response form ED Financial.

Company response to consumer: In progress
Consumer complaint received 2022-11-24
Company: Experian Information Solutions 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:
In Accordance with the Fair Credit Reporting Act XXXX this account below is violating my rights. 

Account # XXXX Account Name : XXXX 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.

per the state 's Code of Civil Procedure 337

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 2022-04-23
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:
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 an account without my written instructions XXXX partial acct # XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX  Partial Acct # XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXXXXXX Partial Acct # XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Partial Acct XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX Partial Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX Partial Acct XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX  Partial Acct # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX  Partial Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX Partial Acct # XXXXXXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX XXXX XXXX Partial Acct # XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX po box XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Account status incorrect

Complaint:
This account shows an inaccurate date of opening which differs from the date the original creditor states and they seem to believe this is accurate reporting. This collection account is also being reported as an open account which is not under FCRA compliance and is also inaccurate reporting!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: AmerAssist A/R Solutions, Inc.
State: AK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I was recently notified by XXXX regarding a change on my credit report. When I looked at the change it was a collection account with Amerassit Ar solution for XXXX XXXX XXXX  XXXX. I immediately filed an online dispute with XXXX and reached out to Amerassit on XX/XX/XXXX and then to XXXX XXXX XXXX on XX/XX/XXXX. Amerassit said to me it was because my XXXX XXXX XXXX had opened an account along with my ex wife in XXXX XXXXXXXX XXXX  around or about XX/XX/XXXX. Amerassit then told me they sent me a notification in XX/XX/XXXX to my XXXX XXXX XXXX XXXX, I never received any notices from Amerassit or XXXX XXXX XXXX When I told Amerassit that, they said that in order for them to remove this collection from my credit report I would have to report that my identity was stolen. I then reached out to my daughter and my ex-wife and both said they did not open an account with XXXX XXXX XXXX XXXX in my name. I also then reached out to XXXX XXXX XXXX XXXXXXXX and thats when I find out that they did have an account in my name. I told them I never open an account nor did I authorize any account to be opened in my name. The agent then said he understood my frustration and would elevate my issue to the billing department and they would contact me within 3-5 business days. I had one missed call from them on XX/XX/XXXX at XXXXXXXX XXXX, when I called back they said XXXX was handling my account and that he would be in touch with me. They also stated that they were going to make sure my account was canceled and that the credit bureaus, along with the collection agency Amerassit AR would be notified that this was indeed not my account, nor did I authorize any accounts to be opened in my name.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Vehicle was repossessed by company on XX/XX/2022 without notice of default letter & threatening to move and sale car. Especially when I told them I just was released out the XXXX with XXXX. Not allowing a reasonable redemption payment, asking for half the payoff amount.

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