BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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

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 2022-11-29
Company: Possible Financial Inc
State: OH
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: Problem with personal statement of dispute

Complaint:
Possible financial services the account was closed why is it still showing on all my credit reports and also they told me if its not removed itll impact my credit

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: Experian Information Solutions Inc.
State: NC
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 submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$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 non-monetary relief
Consumer complaint received 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-06-27
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act, listing the following accounts has violated my rights. 

XXXX XXXX XXXX  XXXX # 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 XXXX XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act, listing the following accounts has violated my rights. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX 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 XXXXXXXX* 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

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 2022-04-24
Company: Experian Information Solutions 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:
Well this is going to be in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

I say this because...

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

Also...

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

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 2022-06-07
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:
Here I am again telling you whats wrong with the bureaus. 

I feel like a crook. Just trying to refinance my house and purchase me a retirement car. I got things easier with bad credit than with good credit. 

Here are screen shots of my scores not that mean anything- Honestly. Someone gets paid to give you a score that goes down when you pay bills off but goes up when you use your credit cards. Whats Fair about that! 

By Now I Hope you believe I thoroughly understand how stupid the Credit reports and the Bureaus are. 

I pay for data from my Fico but it too is different from what LENDERS get - What's Fair about that. I should see the same score as they do otherwise I am wasting inquiries- What's Fair About that?

I STILL DONT HAVE MY HOME LOAN OR MY AUTO LOAN. PLEASE EXPLAIN TO ME WHY NOT. WHA'TS FAIR ABOUT THIS?

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 2022-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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 have been a victim of identity theft and this fraudulent capitol one account has been removed and resubmitted today. This fraudulent account has does not belong to me and I never had a contract or account with capitol one. this fraudulent account is putting me in financial ruin and ruining my chances at getting a mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've submitted information showning that there has been false reporting on all three credit unions. They ignored faire credit report act, faire credit billing act and Texas credit law section. I've asked for of debit under 15 USC 1681 e ( b ) and 15 USC 1681 i of false reporting not 100 % accurate information. Section 16.004 of the Texas Civil Practice and Remedies Code. The statute of limitations on debt in Texas is four years. They have ignored my fair credit reporting act, Section 609 ( a ) ( 1 ) ( A ) by federal law to, verify, through the physical verification of the original signed contract, any and all accounts that you post on a credit report. Anyone paying for reporting services could fax, mail, or email fraudulent account. They failed to send back any physical proof of debit or validation of debit. All three bureas have failed to comply to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Again, Equifax is screwing around. It definitely seems like I am being targeted for either filing previous complaints or my minority status. On XX/XX/XXXX my score was XXXX. Equifax knocked it down to XXXX the only change being a charge of {$250.00} on XXXX. XXXX points just on that change. They corrected on XXXX. Now again they dropped XXXX points just on a charge of XXXX on my XXXX. This is totally ridiculous and seems pretty obvious I'm being targeted for some reason. The other reporting agencies are not doing this. This is about the 4th or 5th complaint I have filed to Equifax. I have never been late on any payments, and have 29 % usage on all my cards combined and income of XXXX. I demand that this get corrected immediately and have someone in management reach out to me to explain to me why this keeps happening and how they plan to correct this moving forward. When you call customer service the reps are clueless. I am very close in filing a lawsuit for discrimination and the hardship that this creates when they keep playing around with my score. I'm sure if I take legal action it will become a class action suit. I'm sure they are screwing a lot of individuals.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Account is reporting different data across XXXX and XXXX. i've sent several letters about updating this account with my correct info but those 2 bureaus refuse to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: EQUIFAX, INC.
State: OH
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:
incorrect information is being reported on my credit report I've reached out to companies and bureau to fix this problem and nothing has changed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: Experian Information Solutions 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 Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Bank Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX The XXXX XXXX XXXX Account 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

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 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I saw an unknown credit card on my credit report from XXXX XXXX XXXX, which I did not apply for. I reached out to Transunion and filed a dispute on XX/XX/. They completed their investigation on XX/XX/XXXX  and said the account is verified as accurate. I reached back out to Transunion again explained that this credit card is not mine but I was told to file a second dispute. I tried to call the credit card company to cancel the card, and they asked me to provide the la

st 4 digits of the credit card which I do not have. The consumer credit report that I received from Transunion doesn't show the last four digits on the account. I also tried to log into the credit card 's website to cancel it that way, but their website kept rejecting my phone number as incorrect, although it is a number I have had for over a decade. Please help! Thank you! INVESTIGATION RESULTS- VERIFIED AS ACCURATE and UPDATED : The disputed item ( s ) was verified as accurate ; however, other information has also changed. 
We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Not Specified. Here is how this account appears on your credit report following our investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2022-04-24
Company: Navient Solutions, LLC.
State: NY
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:
I was in college XXXX. I was advised to consolidate my loans and they locked me into an 8.25 % interest rate. I struggled to pay my loans after college, I was advised to go into economic hardship forebearance for 3 years. I was also then advised to go into regular forebearance for 3 years. I was in forebearance for 6 years. NO ONE at Sallie Mae or then it became NAVIENT ever explained to me that the interest that accrued would be added to the PRINCIPAL of my loan and then I would get charged 8.25 % on that even higher amount. " CAPITALIZATION '' is what it was called and I never knew what this meant or the detrimental effects it would have on my loans. My loans started at XXXX and are now {$230000.00}. This is ridiculous. I will be paying these until I die. Sallie Mae and Navient had predatory practices to me with my XXXX loans that they locked me into 8.25 % forever. These loans were further complicated because I could not afford to pay them or keep up with my credit card debt after graduation. I was being sued by XXXX so I was forced to declare bankruptcy. I was told that my loans were not eligible for bankruptcy discharge. The judge ruled that I was not eligible for Chapter 7 to have my credit card debt wiped, but that I must declare chapter 13 and PAY all the XXXX in credit card debt I owed. The IRS put all of my student loans into forebearance again and forced me to pay off my credit cards over a 5 year time frame. 

The credit card companies were also predatory. XXXX especially. They came to my college campus in XXXX and teased us with free XXXX XXXX tshirts to get a credit card and then gave all of us HUGE spending limits. All my friends did the same thing I did. I had NO parental help in college, I was struggling to make it myself. My parents refused to support me financially. I had 2 jobs the entire time in college. 

So my student loans were in forebearance for several years. I was a victim of predatory practices by Sallie Mae/Navient as well as XXXX. The banks have ruined my life. They locked me into 8.25 %. 

I never understood that I have private loans -- and someone explained to me that I could switch them over to Federal loans and then I would be eligible for more benefits. I did this and sadly it STARTED OVER my payment clock. So ALL the payments I made do not go towards my XXXX 

Also, because I graduated earlier, I am NOT eligible for the newer XXXX plans. This is ridiculous. 

This system has failed me over and over again. The banks have ruined my life. The banks have had a XXXX XXXX XXXX XXXX for all these years. 

I request a review of these issues and some kind of hopeful relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: WELLS FARGO & COMPANY
State: TN
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:
WELLS FARGO closed my credit card account which is a direct violation of 12 CFR 1026.11. WELLS FARGO did not release my funds held in escrow to offset the balance pursuant to 12 CFR 1026.11.

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 2022-11-29
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
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:
In relation to the overpayment paid to Ally Auto Finance after the theft of my leased vehicle. 

The car was purchased at {$48000.00} I made a substantial downpayment {$12000.00} ( approx 25 % of the value ). I intended to purchase with a final payment at the end of the lease. 
Amount financed {$33000.00} by Ally Auto Finance. 

The car was stolen in XX/XX/XXXX and a claim was made to XXXX XXXX XXXX. 

I understand the amount paid by XXXX XXXX was {$38000.00} XX/XX/XXXX to Ally, yet the amount owed to Ally as of XX/XX/XXXX was approximately {$28000.00} leaving an excess over {$10000.00} ( Approx ) I did not receive any overpayment from Ally, I believe that may fall under the " Unfair Settlement Claims Act '' Additionally, the XXXX XXXX representative told me before I excepted the claim that I would receive the difference between the lease amount and the value of the vehicle by check. 

I was NOT advised by the car dealer or Ally at the time of purchase that a {$12000.00} downpayment would be lost if the the car was stolen. ( If this was the case I would have put the {$12000.00} in a savings account to pay towards the monthly amount ). 

I emailed Ally twice for support and some explanation and there was no response, I called numerous times, there was no support given. 

Many other consumers cons also be financially at risk between finance and insurance companies. I believe this is an unfair settlement practice. In my opinion the overpayment should be paid to me as I made a large downpayment approx 25 % of the vehicle value. If the finance company keep the over payment, then I feel it is unethical that they should also keep my deposit {$12000.00} deposit.

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 2022-06-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the Fair Credit Reporting Act. The company 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.

If you do not have documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( 1 ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C Section 1681i, all unverified accounts must be promptly deleted. Therefor, if you are unable to provide me with a copy of the verifiable proof that you have on file for EACH of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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  AccounXXXX XXXX XXXX XXXX XXXX  XX/XX/2022 Amount {$440.00}, 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

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 2022-06-27
Company: EQUIFAX, INC.
State: TN
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 Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX have 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

Company response to consumer: Closed with explanation