BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-13
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
the account number is incomplete on all 3 of the credit bureaus that account can belong to anyone

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 2016-09-29
Company: ALLY FINANCIAL INC.
State: TX
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
When my vehicle lease was coming due, I requested a copy of the contract the leasing company had, and I was shocked to find that it was not the contract I had signed. I 've compared both and its apparent that my signature and initials are forged on a contract I did not agree to. I disputed the charges and the leasing company agreed to lesser fees, but they left a derogatory item on my credit, making my credit score plummet. It is unfair that a contract I agreed to was discarded and a forged one was submitted - and instead of those responsible suffering, I 'm the one who suffered. Please help.

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 2021-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have follow-up with XXXX XXXX XXXX and consumer reporting agencies ( FAX, Trans UNION and they do not want to remove the 30 day late in my account when I paid before the due date which did not go over 29 days late. 
This letter is a formal complaint that XXXX XXXX XXXX gave inaccurate and incomplete credit information as reported for my account with Trans Union as CREDIT BUREAU reporting agency. 
Please review my 30 day late payment for XX/XX/2017 and I was never late in 2017 for the monthly payment in XX/XX/2017 and update Credit Bureau 's as it effects my mortgage loan refinance in these uncertain pandemic period. 

This letter is a formal complaint that you have inaccurate and incomplete credit information as data furnisher to the Credit Bureau for my closed/terminated XXXX account Name of company that reported the late item ( XXXX XXXX SERVICES ) Reason for dispute : ( NEVER LATE - 30 DAYS ) Payment Date : XX/XX/2017 XXXX -- -- -- -- -- -- -- > Amount {$600.00} Payment Date : XX/XX/2017 XXXX -- -- -- -- -- > Amount {$620.00} Payment Date : XX/XX/2017 XXXX -- -- > Amount {$600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Insta-Credit Auto Mart, Inc. dba InstaCredit Automart
State: IL
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 entered into a contract with INSTA -AUTO # XXXX on or around XX/XX/2016. I was entered into this contract without a full disclosure of my right to rescind. This is a visible violation of the Truth In Lending Act. If they had presented me with a full discloure of TILA I would have seen the finance charge. Pursuant to 15 U.S. Code 1605 the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges which was never disclosed to me which is another visible violation of the law. Which leads to another visible violation of FCRA ( 1692e ) seeing that I was given false and deceptive information. Seeing that I was told that a down payment of {$2000.00} was needed in order to drive off of the lot. Pursuant to 15 usc 1605a - a finance charge is sum of all charges. The finance charge does not include charges of a type payable in a comparable cash transaction. This is under the FCRA. This is the law and a clear violation of it. I have written Insta-Auto myself to try and resolve the situation, but they have continued ignore the consumer whose character they are damaging by continuously reporting negative and false information on me ( the consumers ) credit report. 
I know they are not able to provide these proper documents because they were not presented to me as they should have been under the law. They can not prove that they provided me a full disclosure of TILA and they knowingly took CASH down payment as that is a violation. 
Also according to 18 U.S.C.8 The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States XXXX stamps and other representatives of value, of whatever denomination, issued under any Act of Congress , and canceled United States stamps.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
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: Credit inquiries on your report that you don't recognize

Complaint:
I have sent multiple disputes regarding credit inquiries that are showing on my report. I have not received any response and no actions have been taken to correct these errors.

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 2015-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX IS SHOWING UP AS A CHARGE OFF AND A JUDGEMENT WITH BALANCES UNDER BOTH EVEN THOUGH IT WAS PAID VIA A GARNESHMENT ON MY HUSBANDS PAYCHECK XX/XX/XXXX. I CALLED TRANSUNION AND WAS TOLD THE CHARGE OFF WAS GOING TO BE REMOVED XX/XX/XXXX AND NOW THEY WONT RESPOND TO MY INQUIRIES.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
TransUnion had a computer glitch in their system that violated the rights of their consumers Under sections 6.11. I have been gravely affected and my score is suffering as a result. This computer glitch that caused all of the inquires on my credit report to be deleted, and my credit score increased. The very next week, all of the inquires were reinserted to my credit report without prior written notification in direct violation of Sec 611 of the Fair Reporting Credit Act. I have Spoken with multiple Reps of TransUnion and they all acknowledge that the glitch happened multiple times in XXXX but they refused to fix their error in my credit report. I am requesting that the reinserted inquires be permanently removed from my credit report. I demand the following inquiries to be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XX/XX/2016 Consumer Financial Protection Bureau Reference Complaint Transunion, XXXX Dear Representative : On XX/XX/2016 I sent a certified letter via U.S. Postal Service, to Transunion, XXXX regarding a debt which was claimed I owed to a company named XXXX. {$4000.00}. The credit bureau partial account number for this account is XXXX. 

The debt was passed on to a collection company named XXXX, which I also sent a certified letter to in request they validate the debt, pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ). The certified letter was also sent on XX/XX/2016 via U.S Postal Service. 

XXXX 's address listed on the credit report XXXX TN XXXX was undeliverable, which I may known to the three credit bureaus listed above. In my dispute letter to them I let it be known, there is an error in the debt collectors address and this should be corrected listing a true address or the debt removed. I also provided to the credit bureau 's a copy of the correspondence of the U.S. Postal Service Certified mail receipt and letter as evidence of my attempt to get the debt verified. 

On or about XX/XX/2016 I received a response from the three credit bureau 's with no change in its reporting of this date or address correction, pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 

I am requesting the Consumer Financial Protection Bureau 's intervention in this matter so that I may get the credit report corrected. 

Respectfully, 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 2016-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
TO : TRANSUNION I understand you are just following standard-processes ... But on this one I need you to think " out-of-box ''. Your normal " submit-a-dispute '' does not fit my need as it is designed to submit only on an individual entry ... I have a more broad issue. 

I observe my credit report counts both open and closed accounts totaling XXXX, therefore I expect ALL these accounts count towards my years of credit. Consequently, I calculate ALL open and closed dates to current, to be XXXX days or XXXX years. Please correct my years of credit to 10-years, 2-months So please read this and absorb in its entirety ... Then respond accurately.

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 2015-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 've repeatedly told XXXX, XXXX XXXX, XXXX, and now XXXX, that the delinquent student loan document # XXXX is not mine. I did not fill out the loan documents nor did I sign them. This student loan is for XXXX XXXX. I did not attend XXXX. I 've reported to all XXXX credit bureaus that this is not a valid loan and shown proof of signature verified by an XXXX Notary here in XXXX county. Someone created this loan in my name and NYHESC will not wish to recognize my argument. I 've repeatedly have been denied credit for home refinancing and purchase because of these false derogatories. IT ISNT RIGHT THAT I SHOULD SUFFER BECAUSE OF XXXX 'S CARELESSNESS IN LOAN PROCESSING! Frustrated, I have on retainer XXXX XXXX Attorney of Law Bar number XXXX. Feel free to contact me at XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please UPDATE the following accounts completely from my Credit Reports : XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Experian Information Solutions Inc.
State: NY
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 sent a letter to XXXX on XX/XX/2022, requesting that will investigate the disputed accounts from my credit report as well as place temporarily update these items from my report during the investigation period. As of this date, Experian, XXXX and XXXX have failed to respond to my request. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance {$1100.00} ; XXXX  XXXX XXXX Balance {$2000.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$2100.00} ; XXXX XXXX XXXX Balance {$12000.00} ; XXXX XXXX XXXX Balance {$0.00} ; 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 explanation
Consumer complaint received 2020-03-10
Company: Nelnet, Inc.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I received a letter from XXXX XXXX XXXX saying my student loan was in default for {$9300.00} and immediately responded on XX/XX/XXXX by certified mail, return receipt, disputing that I hadn't payed the loan with the following letter : To whom it my concern : I dispute the validity of this debit, in whole, as it was paid off XX/XX/XXXX as demonstrated by the enclosed payment logs from Nelnets website, the provider/administrator of the loan. I have never received calls, e-mails, or mail or any communication regarding this loan not being paid. 

Please rectify your clients mistake immediately as I am XXXX, retired and on Social Security, which is threatening to take my benefits. 

Your immediate attention to this matter is greatly appreciated. 

I received no response, yet knowing they received the letter by the certified mail and return receipt On XX/XX/XXXX. 

The collection notices kept coming, so I turned the matter over to the MN State Attorney General Office. Working with the AG, at this time, there has been no response from Nelnet or XXXX XXXX XXXX. XXXX XXXX XXXX since has started taking my Social Security Benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
During a background check for my new employer, I was shocked to find address for my in other States that I have NEVER resided. I immediately notified each credit bureau and had a fraud alert placed on my Social Security Number. In addition, I have repeatedly disputed the following inquiries and nothing has been done. Additionally, I only request credit for myself under XXXX XXXX XXXX and that should be the only name on my record. I would appreciate the removal of the following hard inquiries on my credit file : 1. XXXX XXXX - XXXX XXXX 2. XXXX/XXXX/XXXX - XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX 11. XXXX XXXX XXXX 12. XXXX XXXX XXXX 13. XXXX XXXX 14. XXXX XXXX 15. 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 2015-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Someone has used my social security number to make XXXX attempts to apply for a credit card using my former maiden name. Fortunately this person has never succeeded, but I am left with XXXX hard credit inquires on my credit report with TransUnion. I placed a XXXX day fraud alert on my credit report. This person has made XXXX attempts to this creditor : XXXX, FL XXXX ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2015-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The credit reporting agency 's keep putting my son 's debts on my credit report. Our name is the same except for the middle initial. That does not seem to make any difference to the reporting agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: WELLS FARGO & COMPANY
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was asked to deposit check by an individual and then transfer the funds via XXXX to pay for services. The checks turned out to be fraudulent. I contacted my bank and I was told u would need to take it up with XXXX. I did so and after a long discussion and sharing of documents XXXX stated they have a sincere desire to return all of the funds from the 5 transactions. I was told to instruct my financial institution to do a charge back. When I contacted my financial institution and the individual I had spoke to they told me that they can not do this, even after reading the instruction sent to me by XXXX they still refused to assist in returning these funds

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 2023-01-06
Company: EQUIFAX, 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:
For the past two years I have been trying to resolve the matter of two accounts that Equifax has been illegally reporting on my credit report. The initial date was XX/XX/XXXX with other dates as followed : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The accounts that they have been illegally reporting are XXXX Acct # XXXX  XXXX and XXXX Acct # XXXX  XXXX. These accounts are charge-off accounts which according to the IRS are considered income and income isn't supposed to be reported on a consumer credit report. For the past two years they have violated my consumer rights by 1. defamation of my character, 2. Have caused me to experience a high interest rate when I obtained my mortgage causing me pain and suffering. 3. They have also caused me to suffer from XXXX XXXX due to the repeated attempts in trying to rectify this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX is incorrectly reporting a 30 day delinquency that is not correct. I paid as agreed on the account and have never been late. The account is currently enrolled in a debt management program that has also been paid as agreed. I contacted XXXX XXXX and they agreed and refunded the late fee charge and indicated they would remove the derogatory reporting ( 30 day late notice ). They have not done so since contacted over 60 days ago.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Trying to close a refi on my mortgage.Three closing dates were set up and company won't send closing disclosure, title company can not close.Started this refi XX/XX/2019 has been in and out of underwriting, closing and title company since XX/XX/XXXX.Company will not give me a reason why.

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 2022-03-17
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 XXXX XXXX XXXX XXXX XXXX ) # XXXX has violated my right 15 U.S.C 1681 602. A states I have the right to privacy. 

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

Company response to consumer: Closed with explanation