BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-16
Company: Experian Information Solutions Inc.
State: CA
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 the victim of identity theft and fraud. FTC Report Number : XXXX I sent out 605b and Notice to Furnishers 67 days ago informing all parties of the activities.

While Experian has made some effort to make corrections they have not made all of them. 

Similarly XXXX  has made some corrections, but not all of them. 

XXXX  has made no effort. In fact, unless I pay them {$24.00} I'm unable to even obtain my credit report directly from them. Similarly, during the worst of the fraud that peaked over a weekend, they stated they could only lock my credit if I paid them a {$24.00} fee. To this date they are difficult to work with, to XXXXhe point I have had to copy and paste sections of the FTC report into my public comments to show proof to potential lenders that I am at my witts end notifying them and they simply deny that I am and typically hang up on me. I have over 20 recorded phone calls to them and although I realize the calls are not admissible in court, they offer some satisfaction that I have some level of evidence of their disregard for consumer data. 

Credit inquiries I have disputed and the bureaus have not removed/removed all of ( in addition they have failed to provide the names of persons spoken to, the dates and times they allegedly spoke to them, the organization 's name spoken to, copies of my signature authorizing these inquiries, or ANY evidence they even did a legitimate investigation other than Equifax somehow magically finishing their investigations on the same day XXXX disputed the inquiry ... even if I disputed at XXXX at night! ) : XXXX XXXX, XXXX XXXX  XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX, XXXX, XXXX, XXXX, XXXX  XXXX, EXPERIAN XXXX XXXX, XXXX, XXXX Addresses I have disputed within the FTC report to no avail or detailed evidence of investigation provided including my signature as proof the account is mine : XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX CT 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 2021-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Hi XXXX, XXXX  and Transunion and plus XXXX XXXX ; I'm extremely confused why there still an item on my credit report that continues to shows and report incomplete, misleading, and unverifiable data. Especially there are so many inaccuracies on the way this XXXX XXXX Account is reporting between Transunion and XXXX. How come it's reporting different data and different balances. See attachments. Why Transunion saying that I owed {$1200.00}, but XXXX says that it was PAID and {$0.00} balance. Something doesnt seem right. And XXXX removed it from my credit report. I need this delete today from my credit because its reporting multiple inaccuracies, incomplete, and misleading information. 

Also, why you continue to report different misspelled and variations of my names and some unknown previous or former addresses and phone numbers. I disputed these several times in the past and I've asked that you deleted them from my credit report because it's stressing me out. delete from my credit report effective today.

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 2021-05-24
Company: HYUNDAI CAPITAL AMERICA
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a car loan from Hyundai Motor Finance in XX/XX/XXXX. My payments are automatically withdrawn from my bank account and I was assured that I was permitted to make principal-only additional payments.I made my first principal-only payment of {$200.00} on XX/XX/XXXX and noticed that it was divided into principal and interest. I called XXXX and spoke with a representative. I was told that all payments were added as principal and interest unless I called and had them redistribute to principal-only. I made a second principal-only payment on XX/XX/XXXX in the amount of {$300.00} and it was credited as {$280.00} principal and {$17.00} as interest. I called their customer service number on Friday of that week and requested the change. I was told that it would be made but would take up to 3 business days. I called again on the following Friday was was told that the change had been made ; I pointed out that according to my account it hadn't been. I was assured the error would be corrected within 3 business days. I proceeded to call each Friday for the next 4 weeks and was told that I should ignore my statement since the change had been made. I then contacted them by email at XXXX and asked for their help in correcting the error on my account. They responded to my first two emails but have not responded since. My emails were sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX with a final email sent on XX/XX/XXXX. As of today the issue has not been rectified. 

I have attached 2 files : 1 showing my payments and 1 containing the email I sent the company.

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 2023-11-18
Company: Experian Information Solutions Inc.
State: FL
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:
I recently submitted a request to investigate the disputed account, Since I believed that the Experian Credit Bureau didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the Experian CREDIT BUREAU investigation was done improperly, the Experian Credit Bureau must update or remove the listed account from my file. 
XXXX XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: In progress
Consumer complaint received 2021-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have recently reviewed my credit report and have noticed that XXXX XXXX, Transunion and XXXX report false and inaccurate historical data. I have provided the information to show the reflection of FCRA violations that are currently reporting on my credit file ( bank statement, payment receipt, the false credit entries presented by XXXX and Transunion ). I am requesting the complete removal of the negative tradeline from my report, as result to multiple FCRA compliance violations that these institutions engage. 

These inaccuracies include : Reporting 120 days late XX/XX/XXXX, and 120 days late XX/XX/XXXX which would be impossible as this is only a 30 day time frame. This inaccurate historical data makes your claim impossible to determine an accurate chargeoff date. You falsely report 120 days late within a 60 day period. That makes no mathematical sense and is completely inaccurate and false. 

XXXX XXXX reported 14 months of late payments after the account was reported as charged off. 

Payment was made XX/XX/XXXX in the amount of {$500.00} to satisfy the entire balance of the collection account, yet XXXX XXXX falsely reported the account as a late payment and charge off for XXXX of XXXX. 

I disputed the inaccuracies to XXXX XXXX and they responded with a letter. The body of the letter states The Fair Credit Reporting Act requires us to report the account history accurately. We are unable to change our reporting on a courtesy basis. 

XXXX XXXX lied and claimed to be following the FCRA laws, in complete contrast to the evidence that I have just presented.

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 2023-07-20
Company: Experian Information Solutions Inc.
State: IN
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:
On XX/XX/2023 I notified Experian of my recent identity theft issue by following the steps provided to me by the FTC to block the fraudulent information on my credit reports. This notification was sent to Experian via certified mail and the tracking number is XXXX. I am attaching a copy of this mailing to this complaint. 

Experian received this notice on XX/XX/2023. FCRA 605B ( 15 U.S.C. 1681c-2 ) states that " a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt '' Today is XX/XX/2023, 13 business days after Experian received the notification and the fraudulent information is still appearing on my Experian credit report. Experian is in violation of FCRA 605B. If this information is not corrected I have the intent to file a lawsuit against Experian for violating my rights as a consumer under FCRA 605B.

I have not received any communications from Experian regarding this issue as of XX/XX/2023.

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 2023-11-15
Company: EQUIFAX, INC.
State: MA
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:
This account does not belong to me. A similar account was removed recently from my credit report which seems to reappear again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-24
Company: U.S. BANCORP
State: CA
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:
Hello, My business checking account with US Bank was hacked and used to send unauthorized payments using XXXX. I only found out about this when I checked my checking account some time after these four transactions. I did open up a claim with US Bank but it was denied stating that the transactions were posted as requested, even though I never authorized these transactions. 

When filing the claim with US Bank, US Bank notified me that business checking accounts only have a one day window to submit a claim, while personal accounts have about one month. The reason for the denial of this claim was that I had filed the claim more than 1 day later from when the incidents occurred, as I am a business owner and do not check my checking account every day since I am busy with work. It appears as though someone accessed my username and password and sent these transactions without my knowledge. 

XX/XX/2020 {$300.00} XX/XX/2020 {$520.00} XX/XX/2020 {$520.00} XX/XX/2020 {$520.00}

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 2023-11-17
Company: Experian Information Solutions Inc.
State: TX
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: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: In progress
Consumer complaint received 2023-05-20
Company: Zions Debt Holdings
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I do not have an account, nor have I ever had an account with Zions Debt Holdings based out of UTAH or any of its affiliates, I have never received any notification of this debt prior to it automatically showing up on my Credit Bureau Reports. I have not been given the chance to dispute of validate this debt pursuant to the Fair Debt Collection Practices Act 15 U.S.C. 809. I have researched only to find they are a company out of Utah with a Registered Agent of XXXX XXXX. I was unable to verify any licenses to collect in Florida with the Florida Office of Regulatory Licensing or in Utah for that matter. This is not a refusal to pay but a matter that needs should have been validated. I want to make sure that this is not a debt that has been re-aged from an old account that could have been possibly tied to a previous bankruptcy I filed several years ago. I want to be able to provide proper documentation in its entirety to my Attorney if need be. They have seriously harmed my credit rating without notice of my rights as a consumer and never given the opportunity to dispute the validity of this debt and its entirety. They claim I owea balance of High Balance {$1300.00} with an Original Creditor by the name of XXXX which i firmly dispute that i have opened in XX/XX/2022. I have never opened an account nor have I ever had an account.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing this with the utmost urgency to draw your attention to a matter of the presence of fraudulent personal information and unauthorized inquiries associated with my identity. Upon a thorough review, I have noticed that certain items have been inaccurately attributed to me, without my consent. This has left me profoundly distressed and deeply concerned. Regrettably, I've become a victim of identity theft, compelling me to take action to report this incident.

Company response to consumer: In progress
Consumer complaint received 2021-05-17
Company: EQUIFAX, 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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have automatic payments set up to pay XXXX to my credit card every month on the XXXX nd of the month, for the month of XXXX it did not automatically draft I called the credit card company and they said that I had canceled the payment, which I never did, I made the payment and the credit card company refunded the XXXX dollars for the payment, the next month I was charged XXXX dollars late payment because I allegedly was XXXX dollars short on my payment even though I had never paid more than a XXXX dollars minimum payment even with the card maxed out. To change someone XXXX dollars for an alleged XXXX dollars is downright criminal I dont think that happens even in XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: CITIBANK, N.A.
State: WV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Me and my husband took out a mortgage on our house and we finished paying it several months ago and this company Citifinance is out of business and they are saying we still owe money which we don't I even have a clear deed to this house and it's making my credit score low due to this issue and XXXX XXXX is saying the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Experian Information Solutions Inc.
State: NC
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.

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: In progress
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sent a letter to remove any items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after that Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$80.00} ( Original Creditor : ) XXXX : {$650.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$300.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/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 2021-05-24
Company: HYUNDAI CAPITAL AMERICA
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Kia Motors Finance insisted on receiving the full insurance payoff amount from my insurance company. Kia Motors Finance received payment on XX/XX/XXXX to payoff the loan in full with an excess payment amount of {$5800.00} to be refunded to me. I contacted the company on XX/XX/XXXX and they stated to allow 16 days for the check to be mailed. After allowing more than the 16 days I contacted the company on XX/XX/XXXX. I spoke with one agent that stated to now allow 30 days for the check. I asked to speak with a manager and the manager stated nothing had been processed yet and to now allow for 45 days for a check " to begin to be processed ''.

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 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 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