BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I took out an auto loan with capital one for XXXX on XXXX XXXX with my payment being a little over XXXX. The loan was for 74 months. I have paid XXXX dollars on that loan which is significantly reducing the life of the loan but I am currently dealing with a financial hardship right now and they are not Even trying to work with me on an extension or lowering my payments at all.. I put XXXX down on my car and paid XXXX on my loan so Im really trying to not lose my only vehicle for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 2023-01-19
Company: TMX Finance LLC
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On the date of XX/XX/XXXX I went to TMX Finance LLC dba TMX Finance of Tennessee , Inc dba TitleMax to receive credits and satisfy the entire price of the service via a consumer credit transaction pursuant to the Truth In Lending Act. During that same date agents belonging to TMX Finance LLC dba TMX Finance of Tennessee , Inc dba TitleMax made material presentments and furnished deceptive forms as to nature of the contract when they presented me a " pledge agreement XXXX XXXX '' with the intent of utilizing the par value in conjunction with my signature on the application as a draft to create new money on their accounts which satisfied the credit extension and the finance charge which is the sum of all payments pursuant to15 U.S.Code 1605 ( a ) for the credit extension causing deceit of the nature of the agreement in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) prohibits unfair or deceptive acts or practices in or affecting commerce. because they extorted me to compel to perform for payment that was already satisfied. The contract being void ab initio because of the fraud performed. Therefore there is no agreement of the debt neither did TMX Finance LLC dba TMX Finance of Tennessee , Inc dba TitleMax have the right to assume anymore a debt wherefore collection could be made. TMX Finance LLC dba TitleMax of Tennessee, INC. d/b/a TitleMax further harmed my estate, damaged my marriage by way of my reputation, and committed theft against me by way of taking my vehicle ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX by way of their self described " repossession '' and engaged in human trafficking pursuant to ( 22 U.S.C. 7102 ( 11 ) ( A ) ) of my XXXX XXXX Person, and violated my right to privacy pursuant to 15 U.S.Code 1692 ( a ) when they trafficked my person to the unverified Tow Company without my express written permission. Please see the full attachment of the correspondence via the mail that I gave to TMX Finance LLC in the attached links.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: FL
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:
The below listed below accounts are on my credit report but do not belong to me. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance Owed : {$16000.00} XXXX XXXX Balance Owed : {$8100.00}

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 2023-08-01
Company: Checkr, Inc
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX FOR XXXX AND XXXX. THEY BOTH DO A BACKGROUND CHECK YEARLY. I HAVE BEEN UNABLE TO XXXX AND EARN A LIVING BECAUSE THE 3RD PARTY BACKGROUND CHECK COMPANY CALLED XXXX HAS NOT RETURNED MY BACKGROUND CHECK. I HAVE MANY ATTEMPTS TO CONTACT XXXX, XXXX, EMAIL, WEBSITE. ALL THE RESULTS SAY THE REPORT IS PENDING. I CALL XXXX SUPPORT 4-6 TIMES AND THEY SAY THEY CAN NOT DO ANYTHING TO HELP ME AS THIS IS A 3RD PARTY COMPANY. I HAVE OFFERED TO PAY FOR AND OBTAIN MY OWN CHECK THROUGH A 3RD PARTY TO RESOLVE THIS ISSUE AND THEY WILL NOT ACCEPT THIS. XXXX STARTED MY BACKGROUND CHECK IN XX/XX/2023 AND IT IS STILL PENDING, MAKING ME UNABLE XXXX XXXX. NOW XXXX US USING THE SAME COMPANY AND I HAVE BEEN UNABLE XXXX XXXX WITH THEM FOR 6 WEEKS DUE TO THIS COMPANY. I HAVE AN EXCELLENT CREDIT SCORE AND HAVE NO FELONIES. I ASKED REPEATEDLY WHAT IS THE ISSUE AND CAN I SUPPLY SOME MISSING PIECES OF INFORMATION. BOTH COMPANIES HAVE STATED THERE ARE MANY OTHER DRIVERS WITH THE SAME ISSUE. SO ITIS TIME FOR ME TO MAKE THIS REQUEST TO TRY AND GET XXXX TO CONTACT ME AND TELL ME WHY MY REPORT WITH XXXX IS STILL PENDING SINCE XXXX. THANK YOU, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Synovus Bank
State: NJ
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:
Several disputes have been submitted to the credit bureaus but no resolve for items : XXXX XXXX Account # XXXX the accounts were opened in XX/XX/2016 should have fallen off by now, it is beyond the 7 years according to the FRCA 5. Credit bureaus must delete outdated information after certain periods of time. 
The FCRA specifies how long credit bureaus can keep certain types of information on your credit reports. Negative information generally must be removed after 7 years. 

XXXX XXXX Acct # XXXX - Opened XXXX..it is beyond the 7 years according to the FRCA 5. Credit bureaus must delete outdated information after certain periods of time. 
The FCRA specifies how long credit bureaus can keep certain types of information on your credit reports. Negative information generally must be removed after 7 years. 

XXXX XXXX - Acct # XXXX- Account is paid in full and still showing late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXXXXXX Balance Owed : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX , FL XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXXXXXX Balance Owed : XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/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 2022-10-15
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: Credit inquiries on your report that you don't recognize

Complaint:
ON MULTIPLE OCCASIONS I HAVE ASKED THE BUREAUS TO REMOVE THESE UNAUTHORIZED INQUIRIES. NO ONE HAS HELPED ME.

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 2023-01-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
For consumer financial scandel since there is a lawsuit and I had them in XXXX  to see if I was charged fee XXXX I should not have been charged.

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 2023-01-19
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Comenity XXXX XXXX credit card which was paid and closed caller XXXX ( XXXX ) XXXX is trying to say I have a debt that is more than 10 years old and closed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Upgrade, Inc.
State: NH
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:
The company Upgrade Inc with XXXX XXXX located at XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX CA. 

I got a debt consolidation loan from them in XXXX of 2022. I had my auto pay set up. Then In XX/XX/2022, the Autopay came out on the wrong day, so payment failed. I then Set up a payment for the XXXX, in which posted successfully. Then again on XX/XX/XXXX Upgrade took another payment, Unauthorized from me. I then had to call, they did agree to refund me, then explained it will take up to 10 days to do. Which after an unauthorized payment is ridiculous. After this i took my auto off and confirmed it over the phone it was shut off. 

With Autopay shut off, upgrade on XX/XX/XXXX took an unauthorized payment again. This payment i had called and had asked why it was taken without my authorization. They had no answers just like before. Again offered to return it in 10 days. I said no, as i was planning to make the payment that week anyhow. 

Now, XX/XX/XXXX they took a payment, unauthorized. Then again on XX/XX/XXXX they took another payment untheorized. I called on XXXX XXXX to ask why this keeps happening and again, they have no answer. All payments were for {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Experian Information Solutions Inc.
State: NV
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:
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-09-03
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: Their investigation did not fix an error on your report

Complaint:
XXXX I am a natural person and on XXXX XXXX I mailed an identity theft report, through certified mail to Experian. I included a copy of my driver 's license, social security card, and a utility bill to as well. I am a victim of aggravated identity theft. According to XXXX XXXX XXXX ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
Experian, failed to block and remove all the accounts on the FTC Identity Theft Report I sent them. My XXXX consumer/credit report is still reporting XXXX.. Please see attached FTC Identity Theft Report. 
On XX/XX/2022, I sent Experian a follow up letter to request they remove the above accounts and they did not. This has caused me tremendous XXXX XXXX  and financial hardship. XXXX is also in violation of 18 USC 1028A for aggravated Identity Theft for furnishing this alleged account.

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 2022-09-03
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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX XXXX  XXXX XXXX Balance : {$19000.00} ; XXXX XXXX  XXXX/XXXX  XXXX Balance : {$930.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$330.00} ; XXXX  XXXX  XXXX  XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$450.00}

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 2023-04-25
Company: NAVY FEDERAL CREDIT UNION
State: DC
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 company is in clear violation of the fair credit act 15 U.S CODE $ 1681c for reporting fraudulent accounts of my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Experian Information Solutions Inc.
State: CA
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 sent letters to XXXX, Experian and XXXX on ( date of 609 letter ) regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over ( date since 609 letter was sent ) and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2022-09-03
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back. 

I want the items I disputed in my letters to be removed off my credit ASAP. I am trying to buy a house soon and need the bureaus to respond. Please help me out.

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 2022-09-02
Company: Experian Information Solutions 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:
XXXX XXXX  acct XXXX this account shows as late 30 days then charge off in XX/XX/2016 and again charge off in XXXX XXXX once a company charges off a account they can not continue to state it is being charged off again. there is 3 negative portions to this account that is against me. please remove this account from my credit report or i will pursue legal action against this company for still damaging my credit.

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