BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX Consumer Opt-Out XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : This letter is being written to dispute the account, which I have done several times. You have responded by stating that the creditor or collection agency verified the account. I have contacted the collection agency/creditor on several occasions as well, and they have yet to respond to my dispute, therefore, your company could not have reached them concerning this debt. Fair Credit Reporting Act requires that you respond to my dispute within 30 days as well as verify it's accuracy. If the account can not be verified, your company must delete the account from my credit report. If you can't show proof that you have verified this debt and you continue to list this item on my report, I am prepared to sue your company under the Fair Credit Reporting Act. 

Sincerely, 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 2023-05-09
Company: LDF Holdings, LLC
State: ID
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I took out a {$450.00} loan. Funds received on XXXX. First payment due XX/XX/XXXX. Too soon. Requested a payment extension but denied. Submitted a Revocation of Voluntary ACH Debits on XX/XX/XXXX. They acknowledged but state agreement says must be within 10 days of due date. This is not fair and was not communicated, only provided in small print of agreement. They also wrote in email " your request will be honored before the following due date ''. XX/XX/XXXX is the following due date but then double speak by stating payment will still come out of my account. I have revoked Voluntary ACH Debits but they are not fully co.mitting to my revocation that is immediate. 

They have also violated my financial privacy by contacting my employer without my clear authorization. 

I prefer not to file this complaint but they are not being direct in my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: EQUIFAX, 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 status incorrect

Complaint:
on XX/XX/XXXX I sent a letter to XXXX, XXXX and Equifax to dispute a XXXX ( Account Number : XXXX ) its been more than 30 days and they have not responded also they are reporting inaccurate information on my report. I have not gave permissible purpose for this account to be reporting on my report. under 15 U.S Code 1681b Permissible purposes of consumer reports I never gave XXXX, XXXX and Equifax any written consent to report anything on my consumer reports no consent is FRAUD XXXX demanded to see verifiable proof with my signature on a contract and written consent I gave XXXX, XXXX and Equifax to report for the account listed below on my consumer report. and they never did they had 30 days and did not XXXX ( Account Number : XXXX ) also it is reporting inaccurate information says there is a balance but I have receipt that the balance was already paid

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: W&A Intermediate Co., LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The provider is XXXX and XXXX XXXX. They billed incorrectly as XXXX is primary XXXX  secondary. I called them and told them but they still sent me to collection XXXX paid {$150.00} on XX/XX/XXXX which was accepted by provider. XXXX paid the remaining contract amount of {$37.00} on XX/XX/XXXX. I appealed this debt as it is paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-05-09
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
Every time I would check my balance there would be a transaction for something from them

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 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents 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 2023-05-09
Company: EQUIFAX, INC.
State: UT
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
on XX/XX/2023 I have sent documentation to XXXX to remove inaccurate information from my credit report. On XX/XX/2023 I have received a letter stating the request was not initiated by me therefore the dispute did not take place. This is my 3rd request to have these fraudulent items removed off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
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 never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-05-09
Company: ENCORE CAPITAL GROUP INC.
State: TX
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: Their investigation did not fix an error on your report

Complaint:
Midland Credit Management violated 15 USC 1681s-2 by furnishing information to a credit agency knowing there is reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I purchased this car in XXXX of XXXX. The delearship misrepresented the federal tax credits for this fuel cell vehicle and I feel that if I had known that there was not a {$8000.00} federal tax credit for this car I would not have purchased it. I have asked the dealership and Hyundai Motor Headquarters to send me the Plug-In Electric/ Fuel Cell Drive Motor Vehicle Documentation Manufacturers Certification Plug-In Electric/ Fuel Cell Drive Motor Vehicle Documentation Domestic Distributors Certification But none of them have sent me this information. In addition, ever since purchasing this vehicle they have been offering $ XXXX off of the MSRP price versus when I purchased the vehicle the discount was for $ XXXX off of the MSRP price. I don't think it is good business practice for them to offer an additional $ XXXX off of the price only 2 months after purchasing the vehicle and extend that offer for this length of a period of time. Obviously the discount has been in place for this long because they do not see the vehicle valued as much as they thought.

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 2023-05-09
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:
XXXX XXXX XXXX XXXX has violated my rights by improperly reporting to my credit report by violating these laws 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. Also States consumer reporting agency can not furnish a account without my written instruction 15 U.S.C 1681 ( i ) ( 5 ) ( A ) ( i ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by aconsumer an item of the information is found to be inaccurate or incomplete or can not be verified, theconsumer reporting agency shall

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 2023-05-09
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 can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
The below accounts and inquiries do not belong to me and are fraud. I have also included the identity theft reports. 

These accounts are fraud. 
XXXX XXXX  {$120000.00} XX/XX/2023 XXXX XXXX {$110000.00} XX/XX/2023 XXXX XXXX {$49000.00} XX/XX/2023 XXXX XXXX {$52000.00} XX/XX/2023 XXXX XXXX XXXX {$22000.00} XX/XX/2023 These inquiries are fraud. 

XXXX XX/XX/2023 XXXXXXXX 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 2023-05-09
Company: ID Analytics, Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently notified XXXX that I am a victim identity theft. The items in question do not belong to me. I have notified the US Courts and obtained documentation that shows that XXXX is incorrect. How XXXX claimed the information was verified and I would like to know what method was used to verify

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
Company: HUNTINGTON NATIONAL BANK, THE
State: AL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Huntington Bank has received payment in full for the Vessel loan in XX/XX/2020. Huntington bank has failed to release the title and file the necessary paperwork with the National Vessel Documentation Center. I have contacted them four times about fixing this issue and releasing the lien on my vessel as this has been going on for almost three years now. They remain ignorant to this issue, create cases that they do not follow up with and refuse to fill a simple piece of paper that would release the lien. They have been a huge disspointment and will never do business with them again. They will not help and if you file a complaint, you will not hear from them. They are good at one thing : collect interest rates. 1*

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 dispute regarding an outdated account that is still showing on my credit. the account is over 7 years old and the credit bureaus have not corrected my credit report it is still showing as a collection. I had asked them to please update this incorrect information and it has been over 30days and I still have not gotten a response. The account is XXXX XXXX  account # XXXX is from XXXX. I need them to delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
Company: OneMain Finance Corporation
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On Tues or Wed XXXX XXXX, I talked to a lady and told her I would call her back on Friday XX/XX/2023 & I wasn't able to do so due to getting sick. However, on that day after she called me from private numbers 2 times in one day and once on Sunday the XXXX of XXXX. I did not talk to her at that time, but I checked my voice mail and it was her leaving a message. I have since logged & received today on XX/XX/XXXX XXXX calls all by XXXX. I have within this past week received over 7 plus calls from One Main Financial which is against the law. They are switching up calling from private numbers and from their XXXX number. The calls/phone numbers/ date & time are kept on my cell phone incoming log.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
Company: WELLS FARGO & COMPANY
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Wells Fargo Finance Incorrect billing leading to repossession around XXXX Also I had Wells Fargo account with incorrect fees added and multiple overdraft fees leading to account closing around XXXX I received a letter a long time ago but have not received payment from lawsuit.

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 2022-11-14
Company: Experian Information Solutions 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:
Experian has lied about results on a dispute. I had no late payments and XXXX has had no communication Experian. XXXX also denies my account is closed which was information also submitted by Experian. XXXX gave me acces to documents demonstrating they made an error in reporting late payments

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 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 a fraud alert on all 3 bureaus I noticed inquiries on my account which I did not authorized which need to be deleted I did make another Ftc report as bureaus requested. 
the inquiries I noticed on TRANSUNION is : XXXX XXXX XXXX XXXXXXXX and XXXX the inquiries I noticed on XXXX is 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 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 2023-08-09
Company: SYNCHRONY FINANCIAL
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:
I moved to a new State ( GA ) and went into Steinmart to make a cash purchase. The cashier convinced me to open a credit card to get a promotional deal and advised me to pay it off after the first bill if I don't need it. I submitted my temporary address and my permanent address, where the statement was supposed to be mailed. Steinmart mailed the Statement to the wrong address so I never received it. I finally went to the store location to pay it off and was told that they were mailing to the wrong mailing address. Immediately paid the balance in store and closed the account. This was an error on Steinmarts part.

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 2023-05-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XXXX of XXXX, Portfolio Recovery contacted by mail about a prepaid card that was old debt from XXXX. Next, the prepaid card put on my credit report by Portfolio Recovery although the debt was more than XXXX XXXX XXXX and more than {$350.00} of the debt was my money. I paid {$150.00} for XXXX XXXX and my credit report has been damage showing that I paid less although the debt was old and the credit card limit was only {$750.00}. My credit has been damaged. Now this debt will unduly stay on my credit report for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX I deposited a cashiers check in my name of {$7000.00} into my checking account after a vehicle sale XX/XX/XXXX I had moved those funds to XXXX XXXX  to repay a debt XX/XX/XXXX I had been locked out of my accounts due to USAA deeming the check fraudulent XX/XX/XXXX I contact the issuing XXXX XXXX about the check being fraudulent and got confirmation that the check was a valid check for the full amount XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX made calls to USAA to try and resolve situation even receiving confirmation letter from the XXXX XXXX branch XXXX that the check was valid USAA refused to accept letter and still is holding onto funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation