BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-23
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: Credit inquiries on your report that you don't recognize

Complaint:
i didn't ask for these companies cards and don't know where they came from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-18
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting everything has to be 100 % accurate on my credit report. 
The credit bureaus stated that my account 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 inaccurate. This is 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 1981 section 604 A. States a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting everything has to be 100 % accurate on my credit report. 
The credit bureaus stated that my account 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 inaccurate. This is 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 1981 section 604 A. States a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: EQUIFAX, INC.
State: AL
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: Was not notified of investigation status or results

Complaint:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Repo

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: Armada Corp.
State: ID
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: Was not notified of investigation status or results

Complaint:
I submitted two disputes online, one on XX/XX/XXXX and the second on XX/XX/XXXX to the credit bureaus. My rights have been violated by not doing a fair and complete investigation on these accounts and by not notifying me with the results. 

Two accounts on my credit report increase the balance every month. 
Armada Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, Amada  balance increased by {$1.00} XX/XX/XXXX XXXX XXXX XXXX {$7.00} XX/XX/XXXX Amada  increased  {$1.00} XX/XX/XXXX XXXX  increased {$8.00} XX/XX/XXXX XXXX  increased {$9.00}, Amada increased {$1.00} XXXX XXXX is also showing a payment was made on XX/XX/2016 when I have never verified this account nor made a payment to them. 

I don't believe the balances should be changing as these are collection companies, not original creditors. They are also showing a past due balance, when they are collection agencies and should not be reporting past due balances as I have never had an agreement to make a payment with them so how can something be past due?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Transunion, XXXX and XXXX under the Fair Credit Reporting Act I am intialed to the documents your client Department of EducationXXXX sent in to open the over {$80000.00} student loan account in my identity. I have been requesting the documents but no CRA have responded yet. Send the documents immediately as required by law. If you can not submit the documents state why? Transunion I was pre-apporved for a personal loan. Transunion against my permission you wrote to the loan company that my debt ratio was to high. Transunion why did tell the loan company this when I was just in the pre-approval process. I had not submitted for a hard pull of my credit report. Transunion you have blocked me from seeing my credit report and filing disputes, I can not see in the account. because you are a partner with XXXX by writing me and saying your going to send my case to an outside agencies. Transuion tell what gives you the authority to keep damaging my credit report and scores. I will see all CRA in court soon. CRA XXXX has no authority to rule on any student loan in my identitication. The real U.S. Department of Education General Counselor had ruled XX/XX/XXXX, Defaulted/Unresolved for FRAUD this mean no student loan servicer to touch this account, no servicing fees will be paid for this account..Nelnet was not suppose to XXXX in custody of the fraudulent loan. XXXX was not to collect servicing fees on the fraudulent loan XXXX can not make any decsion on this student fraudulent loan. XXXX ED can present their evidence in court. XXXX stop me from buying a house. The CRA stop me from buying a house. CRA send the XXXX ED documents. I will see XXXX and the CRA in court soon for damaging my credits and scores CRA YOU BLOCK ME FROM BUYING A HOUSE XX/XX/XXXX CAN NOT MAKE ANY DECISION ON THIS FRAUDULENT ACCOUNT. THAT WAS TERMINATED XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-22
Company: Experian Information Solutions Inc.
State: MI
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:
In regards to my consumer rights it is a violation of 15 USC 1666b to report timing of payment. A creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Also the information being reported is false there were never any late payments and the account is closed and paid off. The account was always in good standing. Spoke with representative of creditors XXXX XXXX and was informed that the late payments would be removed as they confirmed they have received the letter from XXXX XXXX XXXX  informing that it was an error for it to be reported.

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 2022-09-19
Company: DISCOVER BANK
State: MA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Creditor also used misleading language which resulted in me taking a hit on my credit. When I called to ask about the situation, they advised I was told of the situation. Also, I was reported for being late the same day an automatic payment processed on my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am adding a police report to to a previous complaint I made. I am the victim of identity theft and all my accounts at Wells Fargo were affected. All my transactions were rectified except for one. Wells Fargo says I went into the branch in person to withdraw foreign currency but I was not in the country while this happened. I had all my ID 's with me and I did not give consent for anyone to do this. I was also locked out of my accounts online so I could not monitor this at the time. I also provided my flight information to prove I was not in the country. 

the previous claim number is : XXXX I made a police and am attaching it here.

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 monetary relief
Consumer complaint received 2023-10-23
Company: Early Warning Services, LLC
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, XXXX XXXX deducted {$1800.00} from our checking account. Our monthly statement described this as a Zelle dispute ( see attachment " XXXX XXXX sttmnt '' ). I only learned about this from an email informing me to check my bank account Letters and Notices section, in which I found an e-letter informing us of the deduction. A phone call with XXXX Customer Service the next day revealed our apartment tenant had fraudulently claimed that her rent payment of XX/XX/XXXX via Zelle was an unauthorized transaction. 

Neither XXXX nor Zelle have been forthcoming in disclosing alleged attempts to contact us about this claim. Zelle was wrong to believe ( or were they scammed by? ) the person claiming the " unauthorized transaction '' ( XXXX XXXX ) because 1 ) The lease term was from XX/XX/XXXX to XX/XX/XXXX ( see Attachment Lease ), and the {$1800.00} was a legally binding, due payment received from the tenant, dated XX/XX/XXXX. ( Subsequent rents for XXXX and XXXX are overdue. ) Note the tenant did not claim the transaction was unauthorized until 2 months after we received the payment. 

2 ) Also, there was no dispute to which we were a party, until the {$1800.00} was deducted. Why did Zelle not contact us to notify us of this dispute and to allow us a chance to clarify the original payment 's legitimacy? 
3 ) Finally, On or about XX/XX/XXXX, I telephone Zelle to inquire why this happened. They told me that Zelle the app is completely separate from Zelle administered through a bank, and told me to direct all queries to XXXX. They refused to provide any further information. 

From our point of view, Zelle, in forwarding or even making an institution claim or request, is complicit in aiding a fraudulent claim. We appeal to Zelle to conduct its transaction here like it does many transactions : the money a payer makes to a payee is usually gone. This should apply to our tenant 's payment to us -- she was the payer -- and NOT to us as the rightful recipient of a through-Zelle payment that got reversed for what are even now unjustifiable and unexplained reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: NBT BANCORP 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: Account information incorrect

Complaint:
I called XXXX XXXX to discuss removing the late payments marks on my file. They told me they couldn't and they were valid. However, the charges and amounts are invalid. The principle they say I have to pay has other balances that are not to be paid by the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: EQUIFAX, INC.
State: NC
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 U.S.C 1681 XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. Stares I have the right to privacy 15 U.S.C 1681 Section 604 A Sction 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 consumer report containing any of the following items of information. Any other adverse item of information other than records of convictions of crimes which antidotes the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not finish 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: Experian Information Solutions Inc.
State: IL
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:
My wife and I had a vehicle loan through XXXX. We paid the loan in full on XX/XX/2021. It took two months to report hers correctly but they still havent fixed mine.

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 2022-09-18
Company: ALLY FINANCIAL INC.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
My application was denied but how is that possible if you guys said you were in compliance with truth in lending? Why is it that i have to put a downpayment when ALL charges are covered by the finance charge? And also when IN FACT a down payment is ILLEGAL! When I did this application I gave you guys my Social Security number ( my XXXX XXXX XXXX  ) and my signature... I gave you guys authorization with my signature and ssi to go into my XXXX que trust and take the payment for this vehicle... so how can I be denied an extension of my own credit??? According to 15 USC 1605 - Determination of a finance charge states... ( see attachments below for full law quote ) When if fact this is the case, so why are you guys asking me to pay separately for anything when the finance charge covers EVERYTHING. You all may want to take this up with your power of attorney because i know you are PROBABLY naive to what i am talking about and i don't expect you to know when you don't study the law like i do... However i am willing to overlook these Violation AS LONG AS iam given the vehicle i applied for with NO out of pocket payments OR refund me IMMEDIATELY my payment of {$60000.00} from my Cestui Que trust & signature. Hi am giving you guys a chance to make this right. If my request are not accommodated i will Report these violations to the Cfpb, the FTC, the attorney general, and congress who IN FACT made these laws. Pick your choice. ( I am not just a young girl with a pretty face I know way more than you think I know ) in accordance with my complaint my i stated a down payment was illegal. A down payment is not illegal HOWEVER a downpayment in a transaction that uses consumer credit IS IN FACT ILLEGAL! so why was I charged a down payment in order to be approved to get my car. According to the laws ( see attachments below ) i should not have been charged a down payment in my consumer credit transaction.

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 2022-11-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX  XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX  XXXX XXXX XX/XX/2022 ; XXXXXXXX XXXX XXXXXXXX  XX/XX/2022

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
My wife and I had a vehicle loan through XXXX. We paid the loan in full on XX/XX/2021. It took XXXX months to report hers correctly but they still havent fixed mine.

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: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My right to privacy is being violated by Transunion, in accordance to 15 U.S.C 6801 ( a ) FCRA. I have the right to privacy of my personal information. I find the obtaining, selling, and furnishing of this XXXX XXXX Bankruptcy information to be an invasion of that right and demand that the bankruptcy accounts be removed immediately from my consumer 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 explanation
Consumer complaint received 2022-11-25
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:
My credit score has dropped over 200 points because my credit card utilization rate is 79 %. My I've serviced all of my debt without missing any payments and my score does not reflect this fact. I also have no derogatory marks. I can't refinance my credit card debt with a lower rate personal loan because of my current credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: EQUIFAX, INC.
State: VA
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX

Company response to consumer: In progress
Consumer complaint received 2022-09-18
Company: EQUIFAX, 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:
In accordance with fair credit reporting act XXXX  account XXXX XXXX account # XXXX, XXXX  XXXX account # XXXX, XXXXXXXX XXXX account # XXXX, XXXX XXXX XXXX  account XXXX XXXX, DEPT of Education/XXXX  account XXXX XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: EQUIFAX, 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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting everything has to be 100 % accurate on my credit report. 
The credit bureaus stated that my account 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 inaccurate. This is 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 1981 section 604 A. States a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation