BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My name is XXXX XXXX. I just noticed that my statement balance in my XXXX XXXX card in which I'm the authorized user on this card. The statement normally closes on the XXXX of every month. It closed a day before causing my credit score to had dropped. I am trying to dispute my statement balance is over the limit it is supposed to be. The last 4 digits of credit card is XXXX it is from my XXXX XXXX XXXXXXXX rewards card

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 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 2023-09-08
Company: EQUIFAX, INC.
State: IL
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:
XXXX, XXXX, and Equifax continue to report inaccurate information. The below account has not been properly validated or verified. 

DEPTEDXXXX Account Status : Open Derogatory Open Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$5000.00} No. of Months ( terms ) : XXXX XXXX XXXX Payment Status : Unknown XXXX XXXX XXXX  Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - - XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: CA
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:
This is one of 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 accounts 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 accounts : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. Please remove these accounts 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 explanation
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: FL
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 am writing to bring to your attention a matter regarding my credit report held by Experian. On XX/XX/XXXX, I contacted Experian regarding the following inaccuracies on my credit report, and as of this date, I have not received any response or resolution. I am seeking your assistance in addressing these discrepancies : The following account is not mine : Creditor : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$720.00} Requested Action : Please remove it from my credit report. 


The following account is not mine : Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1300.00} Requested Action : Please remove it from my credit report. 


The following account is not mine : Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$660.00} Requested Action : Please remove it from my credit report. 


The following account is not mine : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$2000.00} Requested Action : Please remove it 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 explanation
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: NY
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:
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 explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account XXXX : XXXX Account Number : XXXX has violated my rights XXXX Or list of inquiries 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 XXXX 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 2023-09-08
Company: AmeriHome Mortgage Company, LLC
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My account was debited for {$2400.00} on XX/XX/2023 and an additional {$2400.00} on XX/XX/2023. These transactions were not authorized. I called the company and they told me they could not discuss with me anything about the transactions because I am not a client of theirs. I explained to them that they withdrew funds from my account without my authorization, and I need to speak to someone in upper management or a fraud department to retrieve these funds. They told me that they can not speak with me and they told me I should file a police report and fax it to them at XXXX on XXXX XXXX. I spoke with XXXX XXXX, and she was in the reference research department. I contacted my financial institution which is XXXXXXXX XXXX  and they launched an investigation and was unsuccessful in trying to even speak with someone in the company. There is no department or person that handles these issues of fraud. This company seems like a hoax, and I was even made to do a three-way call with my financial institution and Ameri home mortgage, which is the company who subtracted these funds from my bank account. I do not know what else to do. I also filed a police report and faxed it to that number above. I still have not received any communication or correspondence, nor have I received the refund my money. Please help me in this situation. 

I also document some information from XXXX when I spoke to another representative, here are a copy of the notes Ameri home XXXX XXXX XXXX Dept customer service Employees number XXXX Tuesday XXXX XXXX Call was XXXX This was my first call. 
Im just giving you all of the information that I have. 
My financial institution, XXXX also said that you can give them a call and they also have their own set of notes they can provide as well.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 2023-01-23
Company: EQUIFAX, 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:
FCRA Violation : address not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : real estate never late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : other account not mine XXXX FCRA Violation : hard enquiry not mine XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: WHEELS FINANCIAL GROUP, LLC.
State: OH
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
XXXX of XXXX I inquired about a title loan with XXXX XXXX and went into a contract based upon misrepresentation from the advisor that I spoke with I canceled the contract within the 3 days that's allowed in the contract. I never got a response from the company they never possess my vehicles title and I went with a different lender called XXXX and obtained a loan and paid it off and obtain a free and clear title once I paid off the loan. 3 years later in XX/XX/XXXX XXXX XXXX puts a lien on my vehicle using a power of attorney that was retracted and no longer authorized to use because I rescinded the contract that I was rightly entitled to do so say the contract. XX/XX/XXXX I reported my vehicle stolen and the police confirm that the vehicle was stolen because no repo company had reported the allege repossession that they are required to do so by law and on top of the illegal repossession which is theft there was items in my vehicle of high value that was stolen as a result of the illegal tow which is breaking the peace and also theft which is a criminal violation because the value of what was stolen out of my vehicle exceeds over {$10000.00} that I have the police report to verify. They want me to pay {$7500.00} to retrieve my vehicle back but as inquired about why this happened I was informed that the account they had for me was charged off in XXXX which they have received a tax credit for the original loan amount and now have stolen my vehicle and the third party vendor professional towing has damage my four-wheel drive vehicle by dragging it out of the driveway dropping it over bracelet then dragging it the other way without a flatbed or a dolly that is required and stolen items out of my vehicle is a definitely a cause of breach the peace. I have suffered tremendously because of this illegal action I've been without a vehicle for 2 months and now working XXXX jobs because of the financial hardship that this unscrupulous business has put me through. The fact of the matter is that I never gave consent to use my power of attorney from the original contract after I rescinded the contract which they did illegally to secure lien fraudulently to steal my vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Mr. Cooper Group Inc.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
On XX/XX/2023, I was charged {$50.00} for fees and charges by Mr. Cooper, AKA Nationstar. I looked at the statement and saw that the charge was based on a reversal-payment on {$1600.00}. 

XX/XX/2023 - I called twice and the customer service rep was initially polite and when I insisted on reversal, the tone was hostile. They did not seem to know why there was a charge. 

XX/XX/2023 - Second call, the customer service rep said my account had insufficient amount which is not the case. I have evidence of amount in account. She suggested I call the bank to verify. Called the bank on XX/XX/2023 to verify. Bank said that there was sufficient amount to handle the charge. 

I wrote a request through their customer service line and they have not responded. Based on my earlier conversation, i do not see this company reversing the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: NV
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Southwest Recovery Services, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: SYNCHRONY FINANCIAL
State: NV
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Still reporting Inaccurate Information, disputed letters has been submitted with no actions according to FCRA

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 2020-07-28
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: Information belongs to someone else

Complaint:
i have an account on my credit report that is fraudulent

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 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
The dates on this report are incorrect on when it was last active. This account needs to be removed from my credit report. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhart V. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debtt, nor therefore any such debt, in fact therefore exist

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 2023-09-08
Company: EQUIFAX, INC.
State: TX
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:
Please remove this account from my credit. There's different dates on every report.

I have not supplied proof under the doctrine of estoppel by silence, Engelhart V. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
Company: HYUNDAI CAPITAL AMERICA
State: FL
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-09-08
Company: Partners Financial Services 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:
Violation of my FCRA/ NCRA . Consumer rights act by reporting Derogatory marks of inaccurate late payment reports that has yet to be properly reposonded too

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
Company: ALLY FINANCIAL INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
XXXX XXXX in XXXX New Jersey. 
The Used car price was {$49000.00} plus tax. 
When I checked my finance documents because I was wondering why my payments were so high and for so long ( 6 years ) it says price is {$60000.00} plus tax. 
They added {$10000.00} to the sale price without me knowing and mixed into the my monthly payments hoping I would not notice. 
I have pictures from their website showing the {$49000.00} price. 
I am extremely upset and need assistance please. Thank you.

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 2022-12-18
Company: T.S. Holdings
State: NV
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:
1. ) XXXX XXXX bank Account Closed Date Closed : XX/XX/XXXX XXXX. ) {$120.00} XXXX Account Closed Date Closed : XX/XX/XXXX XXXX. ) {$450.00} XXXX Current Last Updated : XX/XX/XXXX 4. ) {$12000.00} IQ DATA INT Current Last Updated : XX/XX/XXXX 2022

Company response to consumer: Closed with explanation