BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 information, accounts or items which do not belong to me. Since Im a XXXX for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX UNIT XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : - XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : - XXXX XXXXXXXX Balance : - XXXX XXXXXXXX Balance : {$130.00} XXXX XXXX XXXX XXXXXXXX Balance : {$490.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXXXXXX Reference # : XXXX Bankruptcy : XXXX XXXX Reference # : XXXXXXXX XXXX XXXX bankruptcy Reference # : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-12-13
Company: Experian Information Solutions Inc.
State: KS
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 did not consent to third party agencies to use report. I also don't recognize any of these reports from : XXXXXXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX, XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX XXXX ( Auto XXXX XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX, XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX 2021

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 2022-09-29
Company: EQUIFAX, 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 XXXX XXXX XXXX I Account # XXXX, XXXX XXXX XXXX I Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXXXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: SANTANDER HOLDINGS USA, INC.
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Please be so kind to help me, I'm asking for your company to help me enforce what the law states for this corporation to do correctly. On XX/XX/2021 I entered a consumer credit transaction with Chrysler Capital which involved a finance charge along with a down payment of { {$5000.00} } cash. Pursuant to 15 usc1605 ( a ) finance is charge is the sum of all charges in a consumer credit transaction and does not include cash. Chrysler Capital is in violation of the 15 USC 1605 Truth In Lending Act. Chrysler Capital didn't offer any insurance and they failed to disclose to me my right of recession and provided me with the appropriate forms to exercise my right which is in violation of 15 USC 1635. As a federally protected consumer under Title 15 Chapter 41, my rights have been violated and Chrysler Capital is criminally liable, pursuant to 15 USC 1611 and also civilly liable, pursuant to XXXX5 USC 1640 and 15 USC 1692K

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: EQUIFAX, INC.
State: NJ
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: Was not notified of investigation status or results

Complaint:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
In accordance with the fair credit reporting act XXXX  Account # has violated my right. 
15 USC 1681 Section 602 states I have rights to privacy.

15 USA 1681section 604 A Section 2 : also states a consumer reporting Angency Can not furnish a account without my written consent. 
15 USA 16668 : A states a creditor may not treat a payment on a credit card account under an open end consumer credit Plans as late for any purpose. 
There are improper use 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 2020-04-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I recently received information indicating that my identity has been stolen. I filed a report with the FTC and contacted both XXXX and XXXX to review my credit reports and set a lock and a freeze respectively. 

I tried tocontact Equifax to review my credit report and then place a lock or freeze. I tried to use Equifax website and was locked out. I called and was disconnected with no option to talk to a human. 

Equifax apparently has errors in my credit report because I cant get the answers to the security questions right PRESUMABLY BECAUSE OF ERRORS ON MY REPORT THAT I CAN NOT ACCESS TO REVIEWa report I am legally entitled to review. 

Since Equifax won't give me access to a human, i can not resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: PENTAGON FEDERAL CREDIT UNION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Good afternoon, My name is XXXX XXXX XXXX XXXX of account is XXXX XXXX XXXX of new account is XXXX Ive been informed that my account is restrained. This should not have occurred. I would like XXXX to review and respond to why it occurred. My account was compromised. I notified XXXX of the fraud and how I believed my account was compromised. I was told by a fraud department agent that I would receive a new checkings and savings account and that somebody would call me with instructions on how to reset my online account with them as well to secure my account. Nobody called me. I called XXXX and XXXX representatives promised my account would be returned back to its normal state and somebody would call me on how to reset my online and it is now on permanent restrained. I believe there is a mistake being made. It would appear my account was compromised and Im being punished unfairly for it. I have been getting the run around and its making it very hard to pay my auto loan. Please help me with this incident. 


Best regards, 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 2022-06-13
Company: Atlanticus Services Corporation
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
To whom it may concern.

I fell behind on my credit card payments and a personal loan due to job loss. I havent been able to recover since. Its been a real struggle for me. Im Filing for XXXX. I want to get my credit fixed as much as possible. 
Sincerely yours XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
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: Account information incorrect

Complaint:
XXXX, XXXX - Report my student loans all closed, however, they don't say Paid, or Paid as agreed, I want them to reflect the correct status- They still got paid, they should reflect paid, and the age of each credit line should be properly reported, I also request they send an updated report to each of my recent inquiries for this month, with a letter detailing their error. ( copy to me as well ) Nextly as a Member and CEO of a separate entity corporation with its own established credit I wish to make it clear.. any further acts of ANTITRUST violations regarding, discrimination against my company by sharing my personal credit without my express written permission are NOT authorized. my personal credit is proving hard to rebuild after my being a victim of Identity theft in the past. their action has cost me Increased fees and elevated insurance premiums and is also violating XXXX XXXX. I am relaunching my firm after covid and applying for Asset-based corporate credit and financing - No personal guarantee is needed, so they need to stop sharing my personal information without consent. I provide my Id and have a credit call to verify my identity prior to opening any accounts,

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 2022-08-23
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: Information belongs to someone else

Complaint:
My name is XXXX XXXX, I was not a person who believes in using credit cards and I always used debit as a primary payment method. Until recently my wife and I are planning on buying a house, so I checked my credit report and realized I have been a victim of identity theft for many years. I found two fraudulent accounts, one is a charge off from Bank XXXX XXXX in the amount of {$11000.00}, the other is an account in collection by XXXX XXXX XXXX originated from XXXX in the amount of {$4500.00}. Additionally, there's also two fraudulent hard inquires from XXXX XXXX and XXXX. 

It is a grave mistake on my part to not close guard my credit as seriously as I should, until it became a giant road block on my path to finally become a homeowner and realizing my American dream. Identity theft has put me in a very tough situation, I hope we can get the fraudulent activities off my credit report as soon as possible. 

Thank you, 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 2022-08-02
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:
15 U.S.C 1681 Section 602 A states the right to privacy.

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. 




Account # XXXX Account # XXXX Account # XXXX Account # 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 2022-08-02
Company: EQUIFAX, INC.
State: VA
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 XXXX XXXX in the amount {$430.00} last reported on XX/XX/2022, has violated my rights. 
15 USC 1681 section 692 A - states I have the right to privacy.

15 USC 1681 section 604 A - states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: PLANET HOME LENDING, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My original home insurance company discontinued my home insurance without noticing me so my home insurance had been stopped for more than two months, my loan company ( Planet Home Lending ) asked me to get a new home insurance. I got new home insurance promptly in XXXX, XXXX. 

But started on XXXX XXXX, XXXX, Planet Home Leading asked me to pay expensive {$410.00} just for charging me the lapse of home insurance from XXXX to XX/XX/2022. I told XXXX there is not insurance company want to do the backdate coverage for me and it is nothing to do to protect XXXX 's interest as the loan company of my property since it was in the past. 

But XXXX ignored my request and increased my loan 's monthly payment from {$800.00} to {$840.00} instead. 

So far, I refused to pay the new monthly payment of {$840.00} but pay {$800.00} instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 XXXX XXXX in the amount {$430.00} last reported on XX/XX/2022, has violated my rights. 
15 USC 1681 section 692 A - states I have the right to privacy.

15 USC 1681 section 604 A - states a consumer reporting agency can not furnish an account without my written instructions.

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 2021-10-02
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have always paid in full before the balance even due. Thus, there should not be any interest. Yet this Credit card company charged XXXX interest rate. Furthermore, the customer service are routinely abusive and racist. 

Note .. My email is personal and private and should NOT be used by Elan

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 2022-12-13
Company: MONEY SOURCE, INC., THE
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The Money Source mistakenly was sending the insurance payment on my property to and for the wrong property address. When we realized this, they tried to make e responsible for the error. I insisted that it was their fault becsuse my insurance was impounded. They refused to listen to me. I reported the issue to CFPB in XXXX ant XX/XX/2022. When CFPB contacted them, they recounted their position and decided to take care of the problem that they caused. Now CFPB has closed the file. This rogue company resurrected the issue of XXXX XXXX again. 

This is an issue they had resolved when CFPB contacted them. My insurance was impounded since I purchased this loan, how can I have a lapse in insurance? 

I am asking CFPB to investigate this claim with the last claim on XXXX XXXX XXXX brought to your attention in XXXX XXXX and see how XXXX is attempting to resurrect this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 

I received a letter from XXXX  XXXX dated XX/XX/2020 stating that my credit card account with a balance of {$470.00} was acquired by Portfolio Recovery Associates LLC on or about XX/XX/2020. 

I received a letter from Portfolio Recovery Associates LLC dated XX/XX/2020 stating that they purchased my account on XX/XX/2020. 

This is a violation of 15 USC1692 ( g ) ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Byrider Franchising, LLC
State: KY
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:
There are hard inquiry 's from this company showing on my credit report. I have never applied from credit from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
CFPB + TransUnion + The XXXX XXXX XXXX, Attached to this complaint are : drivers license social security card address complaint letter stating this collection has not been validated to be mine screen shots of where it shows on TransUnion Please look into this new complaint as soon as possible

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 2022-12-12
Company: U.S. BANCORP
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Loan paid in full via cashiers check, in person at a US Bank Branch on XX/XX/2022. Title still not received as of XX/XX/2022. Upon contacting US Bank to follow up on the status of the title I was advised that their office mailed it to an address that I have not resided at for over 5 years. Despite having my correct address on file and sending billing statements to me to the correct address for 5 years they still mailed the title to an outdated address. I was advised by the representative at US Bank that there was nothing that they could do and that I, the consumer, would have to take this matter up with the Department of Motor Vehicles.

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 2022-09-29
Company: VW Credit
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX, and I need your help in reaching this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. This is a serious matter, and I'm unhappy that it's now affecting my credit score. As it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They need to figure out who established the account in my name and give those details to them rather than me. Kindly help me in solving this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Sequium Asset Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shopping at XXXX back in XXXX when a XXXX  XXXX  employee approached me and offered to check if I was qualified for some sort of discount on an internet plan. I gave her my information purely out of curiosity to see if I was qualified. She then offered to sell me an internet package, which I declined considering I already have internet through XXXX XXXX. I then left the store. I never set up an internet connection in my home through XXXX, and I did not take home any XXXX internet equipment from XXXX that day. Later on I received a bill in the mail from XXXX claiming I opened an account and owed them money for the first month of internet access and alleged equipment. I called several times asking for this problem to be resolved, and I was told that the account that got opened under my name by the XXXX  XXXX  at XXXX would be closed. I then received a notice in the mail from XXXX debt collections telling me I owe XXXX {$140.00}. I have sent XXXX in writing via email a dispute of the full debt amount.

Company response to consumer: Closed with explanation