BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-15
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:
I submitted a complaint last XX/XX/2023 for the removal of the fraudulent items but they are still reporting on my credit report. This is why I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-19
Company: Experian Information Solutions Inc.
State: SC
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 been a victim of identity theft, I recently submitted a list of 25 accounts to each credit reporting company. XXXX  has fixed these errors but I am still waiting on Expieran and XXXX to comply. In the mean time I got a update that a new fraudulent account was added yesterday so I have attached it here to be removed.

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 2021-11-09
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A collection agency called FCO claims that i owe XXXX to a property by the name of XXXX XXXXs. I had provided them with a sworn affidavit, police report, proof of address at the time of the claim and as well as utility bills from the actual address that was residing at the time and they still continue to say that the account its mine by just providing me with a fraudulent lease. I also explained to them that Ive been the victim of identity theft and the fact they could see my actual lease and records from the address that I was leaving at during the time of the claim and still they refused to remove it from credit and they continue to harass me on a daily basis. I had provided evidence, spoken to them over the phone numerous times but nothing seems to be 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 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
In XX/XX/XXXX I opened a New lease with XXXX XXXX XXXX XXXX for a XXXX XXXX XXXX for a 36 month lease. In XX/XX/XXXX I traded this car in for a new car. The new dealership paid the remaining balance I had for my monthly lease payments directly to XXXX. I received an end of lease liability statement from XXXX for mostly Excess Mileage and taxes. I went over in mileage an extreme amount. I started making payments immediately in XX/XX/XXXX. I have statements from XXXX for XX/XX/XXXX & XX/XX/XXXX showing I made payments. I was having a hard time financially make my New Car payment and making a monthly payment for the mileage. I called XXXX in XX/XX/XXXX asking what my options were, they brought up to me about making a XXXX for less than what was due and that would satisfy all my obligations. I agreed and made a payment for {$1000.00}. My account was closed, I requested a settlement letter. Later on in XXXX, I pulled a credit report and saw that it indicated under payment history I made 1 payment that was 30 + days late & 1 payment that was 60+ days late, and used the word Potentially Negative in Bold Red on the Credit Report. My lease agreement and obligations for the 36 month lease was paid in full. I contacted XXXX in XXXX & XXXX. I asked them to remove the " XXXX '' late payments from my Credit Report and any Negative terminology. The letters from XXXX indicate " XXXX '' late payments. My credit reports were not updated to reflect the accurate information. Anytime I apply for a loan, credit cards or Mortgage my payment history is being evaluated, and it impacts my credit score more than any other factor.

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 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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: Problem with personal statement of dispute

Complaint:
who is XXXX  who put them on my account and why not to the person, company intended did you send them payment how many i need to know the name of the person the date this action occured need the fax number my scanner is broken

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 2023-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Bank of America has a one star ratings from other consumers including the XXXX website and I relate as to why that is. I have contacted Bank of America Customer Service and Disputes/Fraud Department multiple times regarding some issues on my credit card. I have been unable to have those issues resolved therefore, I closed out my account. Since then, Bank of America is restricting me access to my account including, my unresolved charges. 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 monetary relief
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-12-09
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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: In progress
Consumer complaint received 2023-07-17
Company: EQUIFAX, 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 need to inform you I was the victim of identity theft. I'm disputing the accounts as they were opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the accounts. They were opened without my knowledge, authority or consent. 

XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: EQUIFAX, INC.
State: PA
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 items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
. I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. In accordance with the fair Credit Reporting act ) COLLECTIONS- XXXX XXXX XXXX XXXXXXXX XXXX ACCOUNT # XXXX DATE OPEN XX/XX/XXXX, XXXX ( REPOSSESSION ) -XXXX  XXXX XXXX DATE OPEN XX/XX/XXXX ACCOUNT # XXXX I HAVE 2 LATE PAYMENTS BALANCE {$12000.00} 15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an 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 seven 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. 15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons. According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, TransUnion, XXXX, written permission to furnish these accounts.

Company response to consumer: In progress
Consumer complaint received 2023-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX, I financed a new XXXX XXXX XXXX through Capital One Auto Finance. On XX/XX/XXXX, I was involved in an XXXX XXXX, and my car insurance company, XXXX, which is under my XXXX XXXX name, XXXX XXXX, deemed the vehicle a total loss. XXXX determined the value of the car to be {$24000.00}. The balance of the loan was {$22000.00}. On XX/XX/XXXX, the sum of {$22000.00} was paid to XXXX XXXX XXXX by XXXX, at the direction of Capital One Auto Finance as their payment portal. On XX/XX/XXXX, Capital One Auto Finance accepted the payment from XXXX XXXX XXXX. The vehicle was paid in full. However, Capital One Auto Finance proceeded to report to all XXXX  credit bureaus that the XX/XX/XXXX and XX/XX/XXXX payments were XXXX  days late. This was not possible, as the car was paid in full, and Capital One Auto Finance accepted the payment prior to the XX/XX/XXXX, due date. I was made aware of these reported late payments when I applied for a XXXX  XXXX loan on XX/XX/XXXX, and was denied because of them. I reached out to Capital One Auto Finance on XX/XX/XXXX, in an effort to get them fixed, as the car had been paid in full prior to the XX/XX/XXXX, due date, but they were unable to help me. I disputed the reported late payments through all of the credit bureaus, and Capital One Auto Finance came back stating that they received the payment on XX/XX/XXXX, so the late payments would stand. Again, this is not possible. I have the receipts, including the check number and account information that it was sent to. Their portal company received the money on XX/XX/XXXX, and Capital One Auto Finance received the funds the following day, on XX/XX/XXXX, several days before the XX/XX/XXXX, due date. Due to Capital One Auto Finance reporting payments as late even though they were not, I was denied a home loan and have been unable to purchase a home that would be suited for my XXXX XXXX needs, as he has XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am an identity theft victim. I am writing to dispute the following items in my credit report. Each of the accounts and transactions I disputed were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 



XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00}

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 2020-09-29
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I turned in my lease on XX/XX/XXXX and received a bill from Hyundai Motor Finance in XX/XX/XXXX. I tried contacting the dealership for help, because my husband has been out of work since XX/XX/XXXX due to Covid-19, and the dealership never contacted me back, this went on for over 2 months. On XX/XX/XXXX, I finally spoke to a manager who basically told me too bad nothing I can do for you, you have to deal with Hyundai Finance. I have had nothing but issues with this XXXX XXXX XXXX, I was more than happy to end my lease early. On XXXX XXXX, I contacted Hyundai Motor Finance, I spoke to XXXX XXXX, he told me there was nothing they could do to help, that it could possibly be sent to the credit bureaus once the account hits 90 days. I explained to him about my husband being out of work due to the pandemic and receiving less than $ XXXXweek,  after about 30 minutes XXXX XXXX told me to call back at 90 days, XX/XX/XXXX and they could offer me a settlement. On Friday, XX/XX/XXXX, I noticed my credit score dropped 47 points I was furious, I called Hyundai Finance again on XX/XX/XXXX, received a settlement amount of {$470.00} and paid it off ( after having issues-4 phone calls before actually getting the XXXX XXXX number ). Every other business is working with their clients/consumers during Covid-19 except Hyundai Motor Finance. Hyundai Company only cares about money, they don't care about their customers needs.

I would like to have my credit score fixed and this negative report taken off my credit reports. I attached the 2 letters ( 3 pages ) I received which neither says anything about reporting to the credit agencies prior to 120 days. I have submitted a complaint to XXXX on XX/XX/XXXX and to date, Hyundai has not replied to them. 

On XX/XX/XXXX, I called Hyundai Motor Finance to be sure my balance was zero and XXXX told me I had a balance of {$110.00}, according to XXXX, she is submitting a waiver for the {$110.00} and I will receive a letter stating my {$0.00} balance. I could not believe that they had not cleared this up since I paid the settlement amount on XX/XX/XXXX. As of today, XX/XX/XXXX I still haven't receive any confirmation my account is zero. 

Please help!! 

Thank you in advance for your 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 2023-07-17
Company: EQUIFAX, INC.
State: MD
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 name is 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have recently received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following 15 USC 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. 
Meaning that if you do not have or have not gotten any written instructions from me ( THE CONSUMER ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instructions to furnish any of the following accounts. 
Secondly according to the 15 USC 1681.The law clearly states. 
1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. 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.

( 4 ) There is a need to ensure 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. 


The following accounts are in Federal Violation on my rights, as a federally protected consumer who have the right to privacy. And also they reporting inaccurate information on my credit report i add file from my job supporting my payment story with child support OFFICE OF THE ATTY GENERAL

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 2020-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 have ask XXXX, TRANSUNION, XXXX  to look into these accounts that was opened in my name without my consent this has set my life on whole when i never sign for any of these account they need to be remove

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 2021-11-09
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX XXXX is reporting on my credit report as a past due balance on an auto loan that was totaled. XXXX entered a class action law suit. XXXX practiced predatory loans to consumers in several states including the state that my loan originated from which is Pennsylvania. I sent a letter to XXXX XXXX XXXX on XX/XX/2021 asking them to remove this loan because for one, I am apart of the consumers that are to receive proceeds from this lawsuit and two, XXXX is still reporting a past due balance on a charged off collection account which is a violation under the FCRA. XXXX has yet to respond to my request. Please have this account removed as I am in the process of buying a home.

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 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Ive sent two letters prior to ALL 3 credit bureaus in regards to fraudulent accounts on my credit that I've been working to get removed and have yet to get any result sufficient for this situation. 

I would like for the reporting agencies to please investigate and remove also Update my credit report. 

The issue is that fraud should not be allowed but even more once the fraud is noticed and I've requested that these matters be investigated the bureaus are not taking the diligent approach as they did when they reported and allowed the fraud to be there. 

these are the current reporting accounts that are fraudulent and I would like removed : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : XXXX XXXX XXXXXX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX ACCOUNT # XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX 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