BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-24
Company: EQUIFAX, INC.
State: NJ
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:
Equifax is in violation of several laws under the Fair Credit Reporting Act ( FCRA ) and in violation of the Gramm-Leach Bliley Act ( GBLA ) and are reporting things on my credit, that by federal law are not supposed to be reported on my credit report. I have made several request to have the things corrected, yet I have been ignored and Equifax still continues to violate the law in which they need to be held accountable. As a company Equifax does not abide by the Fair Credit reporting Act ( FCRA ) at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX. I have sent several Goodwill adjustment letters, disputed all three bureaus and contacted XXXX XXXXXXXX for validation and proof! They have overlooked every attempt I have attempted! They are violating my rights and arent willing to help me!. These dates that theyre saying I was 120 late were XX/XX/XXXXthru XX/XX/XXXX and late 90-119 days in XX/XX/XXXX, then late again supposedly XX/XX/XXXX @ XX/XX/XXXX 120 days late. I have never been late and they will not budge. All of these are closed accounts my loans were all brought and Im in good standing! These dates are all closed accounts that I wasnt late on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: AMERICAN EXPRESS COMPANY
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:
My American Express XXXX XXXX preferred card got charged of {$19.00} premium rental car insurance on XX/XX/XXXX. I never enrolled into this program. I contacted Amex two times and customer rep agreed to refund but I haven't recieved the refund within expected timeframe.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-21
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:
n accordance with the Fair Credit Reporting act 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 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 2022-04-23
Company: CURO Intermediate Holdings
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the inaccurate items in my credit report. It has been well over thirty ( 30 ) days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: Uplift, Inc
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
The investigation took longer than 30 days. I have attached the dispute letters I sent to XXXX, XXXX, and XXXX which date my First letter to XX/XX/23 and my second letter to XX/XX/23.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
As of XX/XX/2022, before and after I have submitted numerous request to verify and update data as stated on current credit reports. Despite this the complained of agencies continues to update and verify false and incorrect data as you will see on my most recent disputes / complaint ( attached is a copy ) of the hard copy sent to Transunion, XXXX, XXXX and to guys concerning my issues.

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 2023-10-30
Company: ALLY FINANCIAL INC.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My credit card company went from OLLO to Ally bank. Immediately my monthly payment went up almost double. I can not afford to pay this because I am on XXXX. In no way has either of these companies try to work with me. When I asked for a phone call from a manager on a non-recorded line. Ive asked over 15 times. With over 25 phone calls from them. They call and then they hang up expecting me to call back. Ive asked for multiple pieces of information in regards to this account including a validation and a current billing statement with all of the debt included and interest and fees etc. etc. currently they are compounding interest on top of late fees and failure to pay monthly payment. Ive tried to work with them to no avail.

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 2021-08-02
Company: EQUIFAX, INC.
State: NJ
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 previously filed a complaint with cfpb on XX/XX/XXXX and my complaint ID is XXXX. This complaint is against XXXX XXXX  and their reporting of 4 Fraudulent accounts being reported to the credit bureaus. I have provided all documentation I can provide to the best of my ability and after my complaint there was no resolution to the accounts being reported. 

I am a victim of Identity theft and I first contacted XXXX XXXX  regarding four accounts that were opened and utilized by the individual who stole my identity on XX/XX/XXXX ( this individual was a family member who resided with me for a period of time ). They replied to me and stated that even after I provided a notarized Identity theft affidavit that they see no basis of my claim and that the debt of all 4 accounts belongs to me. I have also contacted the credit bureaus regarding these accounts and both XXXX  and XXXX  have honored my claim but Equifax has not. I contacted XXXX XXXX  again XX/XX/XXXX and I have only received a decision regarding one of the accounts however they have not acknowledged the remaining 3 and all 4 accounts are still being reported by Equifax to date. I am also still receiving collection calls and letters regarding one of the accounts that was sold to XXXX XXXX XXXX and all three credit bureaus are currently reporting this account as a collections account. 

Please also keep in mind the 3 remaining accounts on Equifax are reporting charged off every single month for the last year which is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I scheduled 3 payments of {$200.00}, {$200.00}, and {$80.00} to be made to my Navy Federal Cash Rewards Visa on XX/XX/XXXX. Only one payment of {$200.00} reflected as paid but my balance still showed {$490.00} on XX/XX/XXXX. Navy Federal reported to XXXX, XXXX and XXXX I had a balance of {$490.00} of my {$500.00} limit causing my credit score to plummet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: CAINE & WEINER COMPANY, 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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the inaccurate items in my credit report. It has been well over thirty ( 30 ) days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: HYUNDAI CAPITAL AMERICA
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2022 I made an extra payment of {$1000.00} to Kia Finance. 
The next day I called to have it applied to the principle ( according to their instructions ) On XX/XX/2022 I received the money back from Kia Finance. 
On XX/XX/2022 I called to find out why, she did not know, but offered to cancel the check and apply the funds to the principle, which I gladly accepted. 
I called numerous times to find out why I was not seeing any progress. 
Eventually I insisted on speaking to a supervisor. This was not easy as the person on the phone insisted that she could take care of everything. Finally I got through to a supervisor. He told me that it was my fault because I requested the money back ( I did not ). He was quite happy if I would just go and find a new lender. 
I am still trying to find out if the check they sent me has been cancelled and they are proceeding in applying it to my principle, or if I have to deposit the check and resend the money.

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 2022-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Transunion reporting student loans Department of education/XXXX XXXXXXXX {$4500.00}, {$4000.00}, {$2600.00}, {$2300.00}

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 2022-06-23
Company: Experian Information Solutions 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:
I have a membership that I pay for with Experian for XXXX XXXX XXXX  # XXXX. On their portal, they have tabs for several partner offerings. I was viewing loan products and had no intention of applying. Just curiosity on my part. My credit is also locked and has a fraud alert on it as well due to a possible breach in the recent past. 

I started receiving a barrage of emails ( attached ) from lenders such as XXXX XXXX, XXXX XXXX, XXXX, XXXX and XXXX indicating I am not approved for a loan. 

Again, I did not apply for a loan and at no point did Experian 's website indicate that I was applying for a loan or ask for my consent to apply for a loan. 

This is blatant misuse of my information and total failure of transparency. Especially given the fact that my credit is subject to a fraud alert. 

I tried to contact Experian by email and was instructed to call. Then tried to call and it was impossible to speak to a person. Their automated phone system kept looping me back to their very restricted options.

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 2023-11-02
Company: AMERICAN EXPRESS COMPANY
State: MS
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XX/XX/XXXX, my ex-wife filed for a divorce. That has created many financial hardships. I have either made good or made payment arrangements with every debt that I owe, including two other credit card companies. On XX/XX/XXXX, my balance was {$11000.00} I was presented with a payment relief option to handle my past due American Express account. This option stopped late fees and dropped the interest to the point that after making XXXX payments of {$71.00} my balance would be paid in full. I set up auto payments set for every Wednesday in the amount of {$71.00} for the next XXXX weeks. I have the email from American Express with the payments scheduled out over the next XXXX weeks. Between XX/XX/XXXX and XX/XX/XXXX there were a total of six payments made. On XX/XX/XXXX I checked my statement and discovered that between XX/XX/XXXX, when I signed up for the payment relief and XX/XX/XXXX my six payments totaled {$420.00}, but during the same time period I had been charged two late fees for {$40.00} each and interest charges of {$560.00} totaling {$640.00} so on the six payments, instead of balance going down it actually went up by {$210.00}. I reached out to American Express on XX/XX/XXXX and XX/XX/XXXX because I figured there must have been a mistake. After talking to various people, it became obvious that American Express was not going to honor the terms of our agreement. They kept saying I had not signed up for a payment plan. I tried to explain I had an email titled " Payment plan confirmation notice '' and included language like : " Once your balance is paid in full, any remaining scheduled payments will be cancelled. Other than communication regarding your payment plan, no further attempts will be made to collect the remaining balance while you are making payments in accordance with the terms listed above. '' I explained multiple times I wanted to make good on my debts but I wanted them to honor our agreement and they continued to tell me that we had no agreement. At that time I canceled making any future payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

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 non-monetary relief
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: IN
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance Owed : {$480.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I opened a TD bank account with two of my stimulus checks while I was in a XXXX  program at the time I made account witch was on XX/XX/2021 not long after that I was able to have my visit with my son so once a week on Tuesdays I would have my son 's father oder me an XXXX with my card after my third visit someone hacked into one of three thing his cell phone our wifi or stolen my online information and got into all my accounts was making purchases wier transfers ect with my card but my bank card was in a safe locked up by staff my son 's father I them to him once and he deleted the information right away he said so I completed XX/XX/2021 after a 90 day program and returned home where my paper statements were sent to none were opened On the sometime that week I took XXXX out for rent and back rent not a problem Im doing my classes for the courts and all the sudden when Im about to complete them someone locks me out all my accounts I went through about 33-50 email address as soon as I got one they would steal it and lock me out so I finally get back into my account after a month or so I had emails and complaints filed against me foXXXX XXXX XXXX and a bunch others FYI ( I don't have a license I haven't since I was XXXX ) So now someone has my identity and changed my mailing address to obtain my identity credentials so I get my statement and I go up to TD and say something about XXXX so the gave me back the XXXX that was taken from my account so I get my next statement in I start going through everything I see all together someone yet again after I put a extra security lock on it stole close to XXXX my son 's father was XXXX since he was on the account to now that someone could just take our money and TD said there was no signs of theft but this person made two online accounts and after we locked the account down TD refused to reimburse us now this is two years later and after doing my own research it seems to be published in a law news paper the same person who paid my son 's bail has a relative or sibling who works for the TD bank the real estate department I could have really used that money to afford a real lawyer for my case now I just want justice with it because for close to almost 4 years now this person has targeted me and yet nothing has been done about it the only reason I can see is either she has money or she is an ex girlfriend of my son 's father who had it out for me I'm an American us citizen a XXXX XXXX and just trying to get my life back in order from the mistakes I've made in the past because I tried my life around for my son I'm being set up for something I never did

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: Experian Information Solutions Inc.
State: MS
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:
Experian is reporting wrong credit score.

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 2022-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
In accordance with the Fair Credit Reporting act my rights are being violated.

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

15 U.S.C 1681 Section 604 A Section 2 a consumer reporting agency can not furnish a account without my written instruction SEE ATTACHED

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 2023-07-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL
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:
Hi my name is XXXX XXXX. I have been a member with USAA for 7 years and I opened a credit card ending in XXXX with USAA bank . I am unable to get an accurate credit report because USAA removed it from my credit file. I am now on my 2nd on time payment and I was informed by XXXX, XXXX, and XXXX that USAA has not sending them information. My credit score is not correct for these reasons. PLEASE REPORT MY CREDIT CARD AND PAYMENTS IMMEDIATELY OR I WILL STOP MAKING PAYMENTS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it.

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