BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are wilful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX. XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$21000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$150.00}, XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$110.00}, XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$2200.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, XXXX XXXXXXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$3800.00}, and XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$160.00}.

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 2020-10-05
Company: C & M Associates Group, Inc.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Called claiming they were going to sue us over a XXXX year old debt in the amount of XXXX which we do not believe exist. States they will settle for XXXX other wise will go to court and garnish wages and sue us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: Branch Messenger, Inc.
State: AZ
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:
I purchased a bus ticket from an online vendor received the ticket in my email It was to go meet my family for a holiday in California I showed up to the bus station early that man working behind the counter pulled up my ticket what not and told me that the company had overbooked it and there was no seating for me available he said it happened to 2 other people that were waiting there as well I tried everything I could dare to get another ticket or anything there was nothing they could do I ended up missing most of my family 's vacation I had to purchase a plane ticket 2 days later XXXX to go up there I contacted the company and they were telling me no refunds Is there policy and what not but I mean I have emails I have picture proof a few different ways of proving that I was there and was not allowed on the bus my bank has been so unprofessional I've contacted them every week for the last 4 months Trying to get an update any information Yeah generic response but have told me every step of the way that it would be resolved by the 90 day mark the regulation dictates they have to have it doneBy then so then once we approached it on the day mark they just started ignoring me and then once we passed the 90 day mark I couldn't get no responses except an occasional generic response will now we're at a 110 days and today they emailed me just to tell me that they denied it because the online vendor of the ticket said that they don't offer refunds or exchanges exchanges well I was not allowed to board the bus and what am I supposed to do about this my bank has been horrible manI requested XXXX XXXX XXXX they're answered to this and they're ignoring me still I've tried everythingIt 's only {$62.00} but man I'm a single father of XXXX kids I need it

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: Spring Oaks Capital, LLC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have new and updated information, SPRING OAKS CAPITAL admits to furnishing information on my consumer report that it knows or should know to be inaccurate. This account is in a charge off status meaning the alleged debt was canceled, therefore SPRING OAKS CAPITAL should have sent me a 1099 C so that I may report this canceled debt as income, pursuant to the IRS instructions. I, consumer, have never received a 1099 C from SPRING OAKS CAPITAL. Therefore this is not only violations of the FDCPA, but Tax Fraud as well. SPRING OAKS CAPITAL is reporting income, which is inaccurate information on my consumer report. If SPRING OAKS CAPITAL fails to honor my demand in removing this information from my consumer report, I will take it as the violations are willful and noncompliant of federal law and IRS tax instructions and I will seek further remedy such as reporting SPRING OAKS CAPITAL to the IRS for tax fraud and further legal action as authorized by the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't 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 XXXX 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 im XXXX now.with no help.

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 2022-08-24
Company: ALLY FINANCIAL INC.
State: AZ
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:
As of XX/XX/22 6 separate charge under {$100.00} each, from two different companies in two different states ( one in KY, one in WA ; both are states not visited recently, nor services bought previously ) showed up on my account Based on a quick internet search I'm not alone as hundreds, if not thousands of others are facing the same scenario. 

The debit card for this account is not used for any transactions, so this makes the charges that much more concerning. 

Wait times on the phone are around an hour and online chat wait times are +4 hours. 

As no public statement has been made, I'm reporting the firm for not stopping the charges nor addressing the massive, apparent data breach.

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 2022-10-22
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : UNAUTHORIZED CREDIT INQUIRY To Whom It May Concern : I recently discovered that your company ran an unauthorized report on me on XX/XX/XXXX. I did not authorize such an inquiry and demand that you contact XXXX XXXX XXXX XXXX immediately and have your inquiry deleted from my credit file. You do not have a permissible purpose to pull my credit report hence invaded my right to privacy and may subject to a fine. 

If you have any questions, please contact me at the address listed below. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2022-08-24
Company: RELIANCE FIRST CAPITAL LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am doing a refi on my mortgage with XXXXXXXX XXXX. They contacted my mortgage company Reliance First Capital. They would not give the payoff information to the XXXX XXXX XXXXXXXX. They did not want me to leave, The made several calls to get me to stay. I thanked them and said no thank you. No one signed the email and they just gave me a phone number to call. 

I signed on with Reliance and did not have to go thru this red tape XXXX  Now I switched to another company and they are giving me the run around and XXXXXXXX XXXXXXXX 

Can someone from your office call Reliance and get them to stop all this XXXX  My account number at XXXX is XXXX. 

My RXXXX XXXX account is XXXX - XXXX, XXXX Thank you all very much XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I pulled my credit report and notice a charged off account from ( XXXX XXXX XXXX XXXX for XXXX ) according to the FCRA 15 U.S. Code 1681 A ( 4 ) 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. I have a right to privacy and have not given you permissible purpose to report. Also 15 U.S. Code 1681a ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; this was a transaction that shouldn't have been reported again i never give any written permission to report 15 U.S. Code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. with this information you have violated my right as a consumer and i want this account deleted off my 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 explanation
Consumer complaint received 2022-08-02
Company: HUNTINGTON NATIONAL BANK, THE
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I was a customer of TCF Bank prior to them being bought out by Huntington Bank. Huntington Bank turned out to have terrible customer service and my account became more trouble than I'd anticipated. I opened a checking and savings account with my employer, XXXX XXXX XXXX and went about transferring all of my auto pay creditors to my new XXXX XXXX  Checking account, and I changed my direct deposit to my XXXX XXXX, so that there was no monies being deposited to the Huntington Bank Checking or Savings. I called Huntington Bank, asking them to close all of my accounts with them. The Savings account and online access were shut down, immediately, but I kept having to transfer funds from XXXX XXXX, via wire transfer, to Huntington Bank, since I was receiving daily alerts that my account was overdrawn. When I called, on XX/XX/XXXX, I was told that the checking account was still accepting attempts from creditors that I hadn't reached yet, to provide my new banking information. I have contacted all of my creditors and given them my XXXX XXXX, banking information. Huntington Bank is insisting that I owe over {$200.00} in overdraft fees that were incurred after the checking account had been closed. The most recent contact that I've had with Huntington Bank took place, via phone, on XX/XX/2022.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-02
Company: EQUIFAX, INC.
State: FL
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:
I have been unable to even contact Equifax to get an issue resolved that has been making me unable to have my XXXX XXXX student loan processed, on XX/XX/2022. 

Equifax seems to be unable to recognize that I exist as a human being - every time I request a report - or even try to contact them - they generate a code ( XXXX  ) and kick me out of the automated system. The automated phone system doesn't recognize me and tells me to try the website. The website doesn't recognize me and tells me to call. 

I am unable to get approval for credit because of them - my student loans, with classes beginning in XXXX weeks. 

XXXX and XXXX both work fine for me- they generate my credit reports and I have had no issue with them. It has been beyond frustrating that Equifax is potentially jeopardizing my academics because they don't have credit on me or believe that I am a person- when the other XXXX are doing their job just fine with no issue. 

I have even mailed them my documents in previous years to get this issue fixed, and still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and XXXX ran an unauthorized credit inquiry on me on XX/XX/XXXX. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact XXXX and investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly.

If you have any questions or need additional information, please contact me at address listed below. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2023-02-21
Company: Exeter Finance Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
EXETER Finance denied me credit after running my social security number. They are in violation of the Equal Opportunity Act, 15 USC 1691c. 15 USC 1642, and 12 CFR 1002.7 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: EQUIFAX, INC.
State: GA
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 pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and XXXX XXXX. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Applied for the Barclays Jet Blue Credit Card promotion offered when booking my jet blue XXXX on XX/XX/22. I was approved instantly but told that Barclays doesn't auto populate the card to allow the {$250.00} promotional credit which is clearly advertised upon applying and is the reason I applied for the credit card. I was told I would have to wait 10 days for the card to come. Meanwhile, I lose today 's offered fare promotion and have to book another flight within 90 days to receive any points or promotional credit on this credit card! 

I spoke to XXXX different managers, before i was transferred to the US where XXXX informed me that Barclays is aware of this, they have had other complaints, but unfortunately they can not provide me with anything to book my fare today. 

Deceptive advertising and practice by a Bank and Company when credit can be provided instantly with technology. 
I have a call into Barclays Presidential complaint office as well as Jet blue. This needs to be stopped now! How can these companies use such deceptive practices and get away with it!!!! 

OUTRAGED - BEWARE JET BLUE CUSTOMERS AND XXXX CREDIT CARD HOLDERS!

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 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency did not make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

The credit reporting agencies ( Transunion, XXXX, XXXX, XXXX XXXX  ) stated that these accounts were properly investigated and came back as verified. However, how could this be true when there are several inaccuracies showing on my consumer report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. 

Alleged Account Name : XXXX XXXX  XXXX XXXX XXXX Alleged Account Number : XXXX XXXX XXXX XXXX Alleged Account Name : XXXX XXXX  XXXX XXXX XXXX XXXX  Alleged Account Number : XXXX XXXX XXXX XXXX Alleged Account Name : XXXX XXXX XXXX XXXX Alleged Account Number : 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 2022-10-22
Company: WELLS FARGO & COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2022 Wells Fargo Bank , N.A . 
XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Attn : Credit Bureau Disputes I reviewed a copy of my credit report and Wells Fargo Bank , N.A . ran an authorized credit inquiry on me on XX/XX/2022. 

I was denied a credit line because Accounts with Wells Fargo were not paid as agreed. 
However Wells Fargo is contradicting themselves because this account was paid in full. I feel my application process was unfair and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact Wells Fargo Bank , N.A . and investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. 

If you have any questions or need additional information, please contact me at address listed below. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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