BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-23
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting 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 am filing this complaint on my own behalf to address an issue concerning unauthorized inquiries on my credit record. This information does not belong to me. I need this fraudulent information removed immediately.

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 2022-11-19
Company: Chime Financial Inc
State: VA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
A car was purchased on XX/XX/XXXX. 

The dealer, XXXX XXXX XXXX, made several misrepresentations during the sale of the car. Hence, the dealer committed fraud and the vehicle was not fit or safe for driving. Further, when attempting to locate the vehicle in the Virginia XXXX system, a VIN for that vehicle was not able to be located which leads me to believe that this car was mean to be " junked '' or for salvage. Nevertheless, this information was not disclosed at the time of sale nor did the dealer complete the proper paperwork to title the vehicle in my name upon satisfaction of the loan. 

I disputed several transactions related to the sale of the car. First transaction was for {$100.00} to hold the car on XX/XX/XXXX ; the second was a down payment of {$3400.00} ; and the third was {$120.00} to extend the service contract on the vehicle. 

Due to the fraud that has been committed the contract is void and I have requested a refund from the dealer, XXXX XXXX XXXX, and XXXXXXXX XXXX XXXX. XXXX Chime. 

None of which has honored my request even though my card is insured by XXXX to prevent events like this from occurring and providing a valid dispute resolution process. 

I am now appealing to the CFPB. 

I wish to retain all my legal right to peruse what other remedies may be applicable under the law. 

I nearly lost my life  several times driving this car especially when the brakes failed, and the lives of my children were put at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone opened this XXXX XXXX account fraudulently in my name in an attempt to steal my identity and use my credit. I never opened this account and I have no knowledge of who did. This account is a result of stolen identity and needs to be closed and removed from my credit report immediately.

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 2023-05-14
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
The credit bureaus are sending automatic messaging through a inhumane software to give inaccurate information about my credit report. For the last time, they must remove the inaccurate and fraudulent information from my credit report. Stop using ESO software to respond to me. Dont respond by mail with your mechanical written inaccurate information. 

You are in violation of State and Federal Laws!!! Remove the fraud now!

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 2023-09-12
Company: EQUIFAX, INC.
State: TX
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
After reviewing my consumer report, I noticed that there were inaccurate accounts and information on my consumer report. The companies reporting my information never gave me my right to opt out of credit reporting and furthermore, they never asked for my permission to furnish this information furthermore they have assumed this vital role and have infringed upon my right to privacy, selling my information to a third-party debt collector. In pursuit to 15 USC 1681 ( 4 ) my privacy has been invaded, and damages have been done, the damages that arose were to my mental health, and it also stopped me from traveling to and from work. Also, it caused financial harm, and it also damaged my overall reputation with lending institutions.

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 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to bring to your attention a critical issue regarding a fraudulent account that has not been appropriately addressed on my credit report. It is imperative that we resolve this matter promptly to rectify the damage caused to my credit history and financial standing. 
The fraudulent account in question is as follows : XXXX XXXX XXXXXXXX XXXX I have previously submitted disputes regarding the fraudulent nature of this account, and I am deeply concerned that your organization has failed to investigate and rectify this issue. I must emphasize that this is not merely a matter of inconvenience but a significant violation of my rights under the Fair Credit Reporting Act.

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 2023-09-11
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My contract was breached. My lien holder filed bankruptcy an sent debt to a debt collector by the name of west lake portfolio. When I never miss not one payment. They trying to double my payments from 74 month to 151 months. Its not right an its Unexceptable. I never signed a contract with Westlake portfolio. This whole time usauto knew they couldnt sale cars because they license was voided in XXXX. So why was they able to sale me a vehicle in XXXX. They filed bankruptcy because they money that I worked hard for my money an my payments WASNT paying off the loan it was going in there pockets. Everything about this situation is wrong. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX 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 XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-08
Company: Adonis Auto Group, LLC
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with a trade-in

Complaint:
Under the guidelines of consumer law, when a manufacturer or dealer fails to repair a product within a reasonable amount of time, the consumer is entitled to either a full refund or a replacement vehicle. It is the responsibility of the manufacturer or dealer to provide satisfactory repair work and make things right for the consumer. In this particular instance, as a result of the amount of time that transpired and the failure to resolve the issue, I consider the XXXX XXXX XXXX XXXX to be a defective product. 

XX/XX/XXXX I purchased a XXXXXXXX XXXX XXXX XXXXXXXX. 3 days later it shuts down on the highway leaving me stranding in the middle of the night. 
A few days later Adonis had the vehicle towed to a XXXX dealership and after about 2 weeks, Adonis decided the XXXX dealership would cost them too much money to replace a better and alternator and had the vehicle towed from XXXX Louisiana to XXXX Texas. From there it took an additional 6 weeks before the vehicle was in my possession and working properly. Upon receiving the vehicle, it was entirely cleaned out of all my personal belongings, and even my warranty and contract paperwork with Adonis is missing. 
XX/XX/XXXX the air suspension on the vehicle malfunctioned and Adonis had a wait time of 2 weeks to set an appointment for them to only diagnose the issue. 
XX/XX/XXXX I am in Mississippi and the vehicle completely shuts down and all electronics are malfunctioning. Adonis had the vehicle towed to the XXXX dealership in XXXX Mississippi for the to repair it because it would be too much to transport it to their service center in XXXX XXXX Texas. 
XX/XX/XXXX Adonis had the vehicle transported to their service center to complete their own diagnosis because the XXXX dealership in XXXX Mississippi stated the problem is a gps tracking the device installed on the vehicle by Adonis that has malfunctioned. 
Adonis has not tested that issue and has replaced a computer module in the vehicle and it did not resolve the issue. 
The service manager has stated if the vehicle is not able to be fixed by XX/XX/XXXX then I may be offered a mechanical trade out if the account managers approve. 
The vehicle is a XXXXXXXX XXXX XXXX XXXXXXXX XXXX  with XXXX miles. Their inventory has newer year model cars but nothing equal to the size and options available on the XXXX. 
The service manager also does not have information on how the mechanical trade out works so I am not aware if they will give me a random vehicle or let me choose.

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 2022-11-20
Company: EQUIFAX, INC.
State: NC
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 is intentionally misreporting negative information on my credit reports to keep my credit score from recovering. I went through financial difficulty about 4 years ago and I am trying to move on but I can't get my credit to recover because of the continuous misreporting by XXXX bank. I have attempted to resolve this issue with all three credit bureaus to the point where now when I attempt to dispute this account I get an automated message that says they will no longer investigate this account. I am going to list all of the incorrect information that is being reported and I am going to attach images directly from their sites that show what I am talking about. 
The first thing that XXXX is reporting is an available credit amount on a charged off account so that it will impact my overall credit usage which hurts my credit score. XXXX is reporting that I currently have a {$3000.00} credit limit on an account that has been closed for four years. 
XXXX bank is also reporting a new charge-off each month which adds new negative information to my credit report each month instead of allowing the account to age properly and therefore impacting my credit score less as time goes on. 
On the XXXX credit report, XXXX XXXX states that account was closed on XXXX. However, the payment history reports that XX/XX/XXXX is 120 days late and XX/XX/XXXX is 120 days late. It is not until XX/XX/XXXX that the account is reported as charged off. XXXX XXXX is also reporting that there was a {$3000.00} credit limit between XX/XX/XXXX and XX/XX/XXXX even though the account has been closed since XXXX. 
On the Equifax payment history, XXXX XXXX reports XX/XX/XXXX as 90 days late and reports XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as 120 days late even though the account was charged off in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: Experian Information Solutions Inc.
State: LA
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:
XXXX, Experian, XXXX has too many department of XXXX that appears on my credit report too many times which I only have 8 that are all discharge with XXXX balance. I contacted the credit bearua about this matter it still wasn't resolve. So I am asking could you please resolved this matter I greatly appreciated 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 explanation
Consumer complaint received 2021-12-16
Company: Early Warning Services, LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
From XX/XX/2021 to XX/XX/2021, I received phone calls from a number purporting to be a XXXX representative ( XXXX ). This number is actually a XXXX fraud number, and I was tricked into believing that the person on the other line was actually a XXXX representative. 

The person provided me a name and an employee ID number and notified me that my Zelle account was hacked and that someone had tried to perform an unauthorized wire transfer. I logged into my Zelle account on my own and discovered that it was in fact hacked by someone named XXXX, and so I had further reason to believe that the person on the line was someone from XXXX. He provided me information about my address and the location that I was in, and at this point I was convinced that I was talking to a Chase representative. 

The person on the other line told me that there was a hold placed on the supposed wire transfer, and in order to retrieve the money back, I would have to Zelle money to myself using my phone number to my phone number. To be more clear, I was using Zelle to send money directly to my own cell phone number. Although it seemed strange, I believed that this was alright because I was sending the money to my own phone number which should have been associated with my XXXX and Zelle acount. On XX/XX/2021, I sent {$2000.00} to myself. On XX/XX/2021, I sent another {$2000.00} to myself. On XX/XX/2021, I sent {$1200.00} to myself. In total, over the course of 3 days I had supposedly sent {$5200.00} to myself. 

I called this phone number directly during this time period at a separate time, and it took me to XXXX 's answering machine, so I knew this was a XXXX verified number. However, on XX/XX/2021, I had called the number again and this time spoke to an actual representative. After telling her the details of my case, she informed that this was a scam, and the scammer had masked their number using an actual XXXX number. She helped make a real claim to return my money. However, on XX/XX/XXXX, I received notice from XXXX that my disputed funds were not approved and that I would not be receiving my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: DFC Global Corp.
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2023 ; I was told by XXXX XXXX XXXX cashier or account the loan that I paid is not paid. I was told I owe a balance {$800.00} after loan was paid. I attached my claim number for a previous submitted claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: EQUIFAX, 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:
An account for a Line of credit with XXXX XXXX XXXX XXXX was paid in full. A letter was sent FROM the original creditor to the credit reporting agencies XXXX  & Equifax to update and reflect the payoff. They have refused to update the information correctly multiple times and they are still reporting negative information on the credit reports. This is continuing to damage my credit file and action needs to be taken immediately. The LOC account with XXXX currently shows a balance of {$490.00} and the balance should show {$0.00}. PAID IN FULL!!!! Please look into this matter immediately as this has been an ongoing issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I Declined a XXXX credit card called " XXXX '' ( Credit card percentage too high and credit limit far too low ) and FICO or other reporting bureau ( Transunion, XXXX etc. ) reduced my score by XXXX points when it was I who declined the Credit Card and NOT XXXX who offered it and I declined acceptance. 

My current credit score is XXXX but XXXX points should be restored, which would render my true and correct score to be XXXX. My ultimate goal is to reach a uniform score with Fico and the major three credit reporting agencies of XXXX. 

his is most important to me for professional standing, good character and credit worthiness to me. 

Thank you for any possible expedited assistance. 
Your Bureau serves a most worthy cause complementing Truth in Lending! 
XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX or message c/o 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 2023-06-16
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
comenity vacation club credit imposed itself as a creditor without my knowledge nor consent.as part of a timeshare agreement without documentation collection phone calls have attempted everyday at all hours of the day even after giving notice for such activties to stop.COMENITY BANK VACATION CLUB  XXXX phone number XXXX, XXXX XXXX are other numbers used by comenity vacation club to harass without mercy.

Company response to consumer: Closed with non-monetary relief