BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-14
Company: Experian Information Solutions Inc.
State: IN
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 reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2018-10-31
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/XXXX, I visited XXXX XXXX of XXXX XXXX, VA. I was softly in the market for a new car. I found a vehicle I was interested in, and a salesman pressured me into seeing if I could get approved for financing. I live on a fixed, SSI XXXX income so I was concerned about over-extending myself. They got me approved for financing, but I was still skeptical due to the high monthly payments. It was a Saturday, so the salesmen told me I could take the care home and see how I liked it. By Sunday morning, I knew this was something that I didn't want to do. First thing Monday morning ( the XXXX ), I returned the vehicle to XXXX XXXX. The manager and salesmen were very angry with me, and told me I had to take the car. I told them that I had the right of rescission, and was well within my rights to return the vehicle and change my mind. After all, because it was the weekend, the paperwork had not even been sent to the finance company yet. I left the vehicle at the dealership in their possession. I assumed the issue was resolved at that point. Over the next several days, I was overwhelmed with phone calls from reps at XXXX XXXX   saying that I had to come back to the dealership and pick up the car. I held steadfast, and told them that I had changed my mind, and did not want it. I had returned the car to the dealership within 36 hours and was well within my rights to do so. Again, I believe the issue to be resolved. To my surprise, the dealership actually delivered their car to my house on XX/XX/XXXX. I called the sheriff 's office about this, and asked them what I should do. They told me I should just take it back again, if I did not want it ; and that's what I did. I returned the vehicle again ( that same day ) and left it in their possession. Again, I thought the issue was resolved. Recently, I received a letter from a finance company called Santander talking about my interest rate on a car loan. I had no idea what this was about. I called them, and sure enough, this was for the car from XXXX XXXX. I explained the whole situation with the rep at the finance company, and they said they would make sure it was resolved. So despite returning the vehicle to the dealership before they even submitted the finance paperwork, and them knowing I did not want the car, the submitted the financing paperwork anyway. I can't believe the lengths that this dealership would go to try to force someone to buy a car they clearly did not want.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

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 2018-07-05
Company: The Receivable Management Services LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The Receivable Management Services Corporation is attempting to collect a debt that I do not know. I have requested numerous times that the company provide me with information showing that this debt is mine as well as the amount owed. They have failed to provide me any documentation that this is my debt, but are continuing to send bills threatening to take legal action if I do not pay the debt. This has been going on since XX/XX/XXXX. They have also been reporting that I owe them {$380.00} to the credit bureaus which is damaging my credit. I first requested that they verify that I owe the debt back and XX/XX/XXXX and never received any confirmation. But they are continuing to send bills threatening legal action and reporting to the credit bureaus.

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 2022-06-16
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX  XXXX, Account # XXXX XXXX XXXX, Account # 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 instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX  XXXX, Account # XXXX XXXX XXXX, Account # 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 instruction

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 2017-09-11
Company: EQUIFAX, INC.
State: CA
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:
Massive security breach from Equifax has leaked all of my personal details. This is an absolute risk to myself and all others who were victims. Their negligence and extremely un-timely alert leaves a huge amount of risk still.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
Bank of America Credit Card Account number ending in : XXXX  Bank of America Case number : XXXX Dispute charges {$97.00} and {$98.00} I ordered a sample of XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$3.00} & {$4.00}, respectively, on XX/XX/XXXX online. But I recived XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, not the same brand ( XXXX ) on the Ad. Please see the attached picture.
<P/>
This company is not selling XXXX product. Please see the XXXX website : XXXX XXXX XXXX XXXX XXXX is selling for {$19.00} in XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My wife tried the two samples for a few days and she found that they are no good ; they make her skin too dry and tight. So, I called them and cancelled the orders at ( XXXX ) XXXX on XX/XX/XXXX and their customer service rep confirmed that my order was cancelled but she didnt give me any cancellation confirmation numbers.
<P/>
Their ad mentioned that I could cancel this order within 14 days after I received it and tried it. This is an online order but they didnt provide any way to cancel this order online and could only cancel via telephone. It took over 30 minutes to talk to their customer representative.
<P/>
After the cancellation, one month later I found that there were two charges, in the amount of {$97.00} & {$98.00} on my Bank of America credit card bill. I called them again to protest the said two charges but their representative informed me that my account had already been cancelled and refused to provide a return authorization and return address.
<P/>
So, I claimed the dispute of charges and called Bank of America to stop the charges because the items were not the same as the online ad. Also, I had already cancelled my future shipment within 14 days after the first shipment. They also didnt provide any terms and conditions when ordering the items nor in the shipment and no information on how to return the merchandise and receive a return authorization and did not provide a return address.
<P/>
Bank of America promised to investigate this issue, but Bank of America failed and refused to resolve this issue and charged {$97.00} & {$98.00} without investigation.
<P/>
Please take care of this dispute and get a refund for {$97.00} & XXXX. I look forward to a quick action.
<P/>
Thank you.
<P/>
Sincerely yours, 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 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
GOOD MORNING, XXXX, XXXX, AND TRANSUNION has not properly conducted an investigation regarding a negative account on my personal credit report. On XXXX XXXX i certified mailed off a letter ( XXXX Certified # XXXX XXXX XXXX XXXX XXXX XXXX ) ( TRANSUNION Certified # XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX Certified # XXXX XXXX XXXX XXXX XXXX XXXX ) requesting documentary proofs ( the hard copies ) and evidence of the alleged debt being claimed against me. 
The account is : XXXX XXXX XXXX XXXX .... 
I unfortunately still have not received any hard copy documentation proof that i originally requested. I stated if unable to provide proof, please delete the account completely and immediately. I appreciate your time in this matter and i'm able to provide any and all additonal information needed to resolve this issue correctly.

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 2022-06-16
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/2022 I attempted to sign into my account. My username was not recognized. I requested that the username be forwarded to me. It was, and the username was the same username I had. I called and after a frustrating roundabout of automated questions I finally got a live person. She verified that I had the correct username and asked me to create a new username, which I did. I followed the emails she sent me to reset my password, but I still was unable to log in. She said my case would have to be escalated, and it would take 24-48 hours to receive a call back. I asked to speak to her supervisor. She said the supervisor would give me the same answer. I said I'd like to speak to the supervisor regardless. She put me on hold and then came back and tried to dissuade me from speaking to the supervisor by re-verifying my information, which I had already done with her. I asked her if it be better if I had her delete my account and then I could create a new account. She said that would be fine except that I would have to use a different email address. I said that would be no problem. She said she deleted my account. This is a short version of the call, which lasted 26 minutes. I hung up with her and then went ahead and attempted to create a new account as a new user. I tried twice with two different emails. Each time I received the following message : Oops, we're sorry! We have encountered an internal system error. Please note that your order has been canceled. Sorry about the convenience. Call us toll-free at XXXX. I tried to call that number twice and it was impossible to speak to a live person, and I was unable to resolve the issue. I am extremely upset that a credit bureau is so XXXX and anti-customer service. All I am attempting to do is have an account that will allow me to freeze and unfreeze my credit report per the request of my financial manager. My next step will be to contact XXXX XXXX in 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 2017-09-11
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 status incorrect

Complaint:
show i owe XXXX XXXX XXXX when i owe them nothing balance paid i full. moved to texas in XXXX XXXX dont owe any bills in california

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 2017-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX I was past due on my XXXX XXXX XXXX student loans. I applied for a forbearance and was granted the forbearance which in turn brought my account current. My new due date was XX/XX/XXXX. I also applied for an Income Based Repayment Plan. I waited for my credit report to reflect my status and it did not. I 'm in the process of opening a business and have been trying to improve credit ratings to qualify for a start up loan. When my report did n't update, I began disputing the information. I have disputed the status of my account at least 4 different times and it keeps reporting as 120-149 days past due. In XXXX, I was also approved for the Income Based  Repayment plan with a payment of {$0.00} based on my household size and financial burden. So my next payment was due XX/XX/XXXX. My accounts are still reporting as past due. On XX/XX/XXXX, I faxed copies of my XXXX, and XXXX statements showing my due dates, {$0.00} past due, and {$0.00} balance. I was told by XXXX XXXX at transunion she could not use the info. I called XXXX XXXX to see what they were reporting they are claiming that they have been reporting my current status as of XX/XX/XXXX. XXXX and XXXX from XXXX requested a letter to be sent to me showing my current status. So I called the credit agencies Transunion, and XXXX again and they said it is XXXX updating a past due status because they corrected it on XX/XX/XXXX and on XX/XX/XXXX XXXX reported it late again.

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 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account # 's XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, Inquires XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XX/XX/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

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 2020-08-19
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there That reason can't be processed online. 
This Address was reported to XXXX by XXXX XXXX and 1 other companies. Please contact the company to verify that they have your correct address. Once the new information is reported to XXXX, you will be able to submit your dispute online. For further questions, you may contact us at XXXX. 
XXXX Address ID Number XXXX Report Number XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$870.00} written off. {$870.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$870.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX  XXXX potentially negative icon Potentially Negative StatusTransferred, closed. 
Account TypeCredit card Balance- Date OpenedXX/XX/XXXX Dispute XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeAuto Loan Balance {$8000.00} Date OpenedXX/XX/XXXX Dispute XXXX   XXXX potentially negative icon Potentially Negative StatusPaid in settlement. {$8800.00} written off. 
Account TypeNote Loan Balance- Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusClosed. 
Account TypeUnsecured Balance reporting wrong address and accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company attempted to collect a debt that is not owed to them, furthermore, they are in violation per the HIPPA laws. On XXXX XXXX, 2017 I sent the company a letter requesting validation that I have a contract with them and I have not received a response.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: EQUIFAX, 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:
Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing  reports as necessary in the future. 
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 
Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
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:
shopping around to buy newer car XX/XX/XXXX and XX/XX/XXXX and brought one. shopping around in XX/XX/XXXXand XXXX for a newer car for my daughter and co-signed for one. .every time credit was credit for better rates i got one hard hit inquiry so i have around 20 hard hit inquiry on my credit report. according to cfpb for an auto loan and you authorize five lenders to check your credit score ( s ) within a 14 day time span. All those inquiries should count as one inquiry. your credit score ( s ) that took place within a time span ranging from 14 days to 45 days will only count as a single inquiry,

Company response to consumer: Closed with explanation