BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-17
Company: Foursight Holding LLC
State: NM
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Voluntary repossession

Complaint:
The following letter was sent to the company and Via Email on XX/XX/2023 and was responded to and told they cant help via email i already called and and tried to talk to XXXX and was treated very rudely and unprofessionally and told there was nothing he could do to help. 

Subject : Request for Early Termination of Auto Loan Due to XXXX XXXXXXXX Dear Sir/Madam, I hope this letter finds you well. I am writing to request your assistance with the early termination of my auto loan under my name, which I have with Four sight Capital. The reason for this request is a significant change in my circumstances. I am an active member of the United States XXXX XXXX, and I have recently received orders for XXXX XXXXXXXX to fulfill my duties. 

My XXXX is expected to last for an extended period, making it impossible for me to keep the vehicle financed under your company during this time. Unfortunately, due to the unique nature of my assignment, I am unable to bring the vehicle with me XXXX I understand that this is an unusual situation, and I would appreciate your understanding and cooperation in helping me resolve this matter. 

In light of the above, I kindly request the following : 1. Early Termination : I am requesting the early termination of my auto loan with Four Sight. I understand that there may be fees associated with this process, and I am willing to cover any reasonable costs so long as pre agreed upon.

2. Non-reporting to Credit Bureaus : Given my commitment to serving our country and the unexpected circumstances leading to this request, I kindly ask that my early termination and the associated financial arrangements not be reported to the credit bureaus. It is crucial for me to maintain my credit score as I will need it for various financial transactions during and after my XXXX to include my security clearance. 

3. Confirmation of Termination : I kindly request a written confirmation of the loan termination, including any final details and the acknowledgment of the non-reporting of this event to credit bureaus. 

I understand that my request might entail some work on your end, and I genuinely appreciate your assistance in accommodating my situation. I assure you that I am committed to fulfilling my obligations and responsibilities regarding this matter, including any financial arrangements that may be required. 

Please let me know if there are any forms or documents I need to complete to facilitate this process. You can reach me at XXXX for any further clarification or to discuss this matter in detail. 

I understand that your company has policies and procedures to follow, and I kindly request your understanding and cooperation during this challenging time in my life. Your assistance in resolving this matter promptly will be greatly appreciated. 

Thank you for your prompt attention to this request, and I look forward to your positive response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I called experian and stated that there was fraud and other incorrect information on my accounts effecting my XXXX credit score and to get it removed they refused to do such by asking for information that is and cant be available and not following fcra guidelines

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$210.00} ; XXXX XXXXXX/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 explanation
Consumer complaint received 2023-07-04
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:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX In accordance with the Fair Credit Reporting Act Convergent Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
This is now my 4th time contacting Transunion about this unauthorized inquiry that has been placed on my credit report without my consent/permission. 

I have been calling since I noticed the inquiry in XXXX. Each time I am told " there is nothing we can do. '' I have written letters and each time I am ignored and no proper investigation is conducted. 

The last letter was sent XXXX certified mail on XX/XX/XXXX with tracking # XXXX XXXX XXXX XXXX XXXX. I am restating the fact that I DID NOT apply for credit with XXXX XXXX nor is there an account in my name with XXXX XXXX. 

The inquiry placed on my consumer report on XX/XX/XXXX should be deleted. 

I have asked for a formal investigation into the inquiry, but to date I have not received this right afforded to me. 

As such I am asking for statutory and punitive damages be awarded to me for TransUnions willful choice to disregard my legal rights under FCRA for accurate consumer reporting. 

I am including a copy of the certified letter sent to Transunion asking them to investigate the inquiry. It was received by them on XX/XX/XXXX at XXXXXXXX XXXX according to XXXX tracking. 
I am including a copy of the certified mail receipt I am including a copy of Transunions response which did NOT include results of an investigation that I requested. 

They have continuously willfully ignored my requests for an investigation and accurate consumer reporting.

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 2023-05-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
XX/XX/2023 {$100.00} XX/XX/2023 {$50.00} XX/XX/2023 {$150.00} XX/XX/2023 {$100.00} I reach out to the company XXXX on XX/XX/2023 and it has been a month and I still have not recieve may money back. Above is the transaction that was fraudualy taken out ot my account through XXXX XXXX. I advise the company that I do not see these trasaction on my XXXX XXXX. I wondering how was this possible. It has been a month I have not got my money back. I advise to expidite my refund they stated they are waiting on the response from XXXX XXXX. I need my money deposit bact to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: CAINE & WEINER COMPANY, 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:
I, XXXX, The natural person and Consumer Citizen is responding to the allegation, mores " lies '' brought about from the following companies : XXXX XXXX XXXX XXXX XXXX, CAINE AND WEINER/XXXX, and XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX . You and the paid third party debt collectors without contracts to collect ( pursuant to 31 U.S. Code sec,3718 ) are in fact caught in a lie and have given all proof needed as to what published within your response. You have failed to mention WHO, the investigative information was obtained from.. in addition, HOW my personal information was obtained, fi not authorized by me pursuant to 15 U.S.Code 1681 ( B ), you've had no Permissible Purpose '' or written consent from me the consumer. This is in fact identity theft, punishable in Federal Court. I have in mailed in second notice of ceasing all REPORTING and providing me with the proof of WHO and HOW investigations were done. These companies have not supplied any evidence to how my information was obtained, only that it was " verified and accurate '' pursuant to 15 U.S. Code 1681 ( A ) ( E ) speaking to personal friends, family, etc is not FACTUAL, none the less third party bureaus buying personal information, all NOT AUTHORIZED BY ME. these companies continue to report inaccurate information in violation of the FDCPA. In all of the companies responses they have failed to mention how, where, or from whom the information was obtained. MY character continues be defamed, willful injury, emotional distress along with my credit and defaming of privacy. Under the 4th Amendment and Federal laws I am protected, my 4th Amendment Rights have in fact been infringed on as my " rights to be secure in my papers " has not been constituted in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: EQUIFAX, INC.
State: IL
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 is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX  XXXX Balance : {$80.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$760.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$660.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX & XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Applied for financing with XXXX XXXX XXXX, XXXX XXXX I XXXX XXXX, XXXX TX. They ran me through multiple lenders, as expected. However, they also ran my girlfriend ( who resides with me ) through multiple lenders, even though none of her information was given. 

She has had multiple hard inquiries on her credit because of this, including through Ally Bank ( Application number XXXX ) and XXXX XXXX XXXX XXXX ( application # not available right now ). 

She was never a part of the purchasing or financing of a vehicle for me, her information was never included in any application. It's obvious someone ran a trace on the address and used all names associated with my address.

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 2023-07-04
Company: Experian Information Solutions 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:
i am resubmitting this CFPB attach my medical bill you told me you rejected my complaint please reconsider my dispute since you have told me to resubmit everything

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 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

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 2018-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
There are several hard inquiries on my credit report that I did not authorize. I reached out to all 3 bureaus with no luck. The following inquiries are unauthorized on my report : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/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 explanation
Consumer complaint received 2023-11-28
Company: ResidentCollect, Inc.
State: NC
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Subject : Dispute of Inaccurate Collection Account Information Dear Sir/Madam, I am writing to dispute the accuracy of the collection account information that has been reported by XXXX XXXX  . The details of the account are as follows : Account Name : XXXX XXXX  Account Number : XXXX XXXX Reported Date : XX/XX/XXXX Current Balance : {$6100.00} Account Status : Closed Date Opened : XXXX XXXX, XXXX Last Reported : XX/XX/XXXX Payment Status : Collection Monthly Payment : {$0.00} Account Type : Other Past Due : {$0.00} Responsibility : Individual Times 30/60/90 Days Late : 0/0/0 Term Duration Months : 0 I would like to bring to your attention the following inaccuracies in the reported information : 1. The account is listed as " Closed '' on XXXX and XXXX, but it is reported as " Open '' on XXXX. This inconsistency raises concerns about the accuracy and reliability of the information provided. 

2. The reported balance of {$6100.00} is incorrect. I have never had any financial dealings with XXXX XXXX, and therefore, I dispute the validity of this debt. 

3. The payment history data is not available for payments from more than 2 years ago. This lack of information makes it difficult for me to verify the accuracy of the reported collection account. 

I request that you investigate these discrepancies and take appropriate action to rectify the inaccuracies in my credit report. As per the Fair Credit Reporting Act ( FCRA ), I expect a prompt response and resolution to this matter within 30 days. 

Please provide me with a written confirmation of the investigation 's progress and the actions taken to correct the inaccuracies. Additionally, I request that you inform me of any changes made to my credit report as a result of this Thank you for your attention to this matter. I trust that you will conduct a thorough investigation and resolve this dispute in a fair and timely manner. Should you require any further information or clarification, please do not hesitate to contact me at the provided contact information. 

Sincerely, 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 2023-01-18
Company: Experian Information Solutions Inc.
State: PA
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. 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 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 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 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.

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 2023-10-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX Account XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10
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: Their investigation did not fix an error on your report

Complaint:
I have a loan with DEPT OF EDUCATION / XXXX. I have always made my payments on time. For some reason, I realized that there were 90 days late payments on my credit report. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is create a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payments from these accounts. Below are the following accounts with erroneous information and Id like remedied ASAP. 
DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX 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 explanation
Consumer complaint received 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX 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 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 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.

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