BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
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 formally filing a complaint for the following account listed on my credit reports for the following reasons : 1. USAA XXXX XXXX. a. Acct # : XXXX b. Last reported : XX/XX/21 There are several issues concerning these accounts that make them fraudulent and/or illegal. The first thing, is there is no signed application. The applications were submitted online and no one can provide me an original application with my original signature. The second thing is the credit card agreements were not clear and conspicuous, according to 15 USC 1601. I was not able to make an informed decision regarding the terms of the credit cards and their use. The companies make the agreement so long and difficult to understand, I was not able to make an informed decision. According to 15 USC 1602, since there was no evidence of indebtedness at the onset, the difficult to understand agreement was the only document attempting to explain the terms of these consumer credit transactions. Therefore the only evidence of indebtedness was the agreement. The agreement did not provide clear and conspicuous " Adequate notice '' as defined in 15 USC 1602 ( k ). Since I was not able to make an informed decision, the agreement is null and void.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Dear TransUnion I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX : Account number : XXXX, Unfair. Delete or fix the information on the account detail section. 

XXXX : Account number : XXXX, Unfair. Delete or fix the information on the account detail section. 

XXXX XXXX : Account number : XXXX, Unfair. Delete or fix the information on the account detail section. 

XXXX XXXX : Account number : XXXX, Unfair. Delete or fix the information on the account detail section. 

XXXX  : Account number : XXXX, Unfair. Delete or fix the information on the account detail section. 

XXXX XXXX XXXX : Account number : XXXX, Unfair. Delete or fix the information on the account detail section. 

XXXX  : Account number : XXXX, Unfair. Delete or fix the information on the account detail section. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14
Company: Westlake Services, LLC
State: TN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I purchased a vehicle thru American Car Center in XX/XX/XXXX. They Bankrupt in XX/XX/XXXX and Westlae portfolio took over. I DO NOT have a signed contract with Westlake portfolio. I NEVER received a letter, phonecall or email regarding these changes with my contract. I had a Warranty with XXXX and Westlae dlclaims they do not honor the warranty. I paid out of pocket {$1100.00} for repairs when I shouldn't have. I paid a lawyer to send a letter to Westlake demanding my money and Westlake has YET to respond 2 months later. American Car center BREACHED everyone 's contracts and now we are all expected to be ok with this. I've paid out {$11000.00} for my vehicle already which is well over the XXXX XXXX  value for it. They have put so many people in a messed up situation and have been picking up vehicles even if they are paid up. I believe action should be taken against them for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have been charged {$15000.00} in over draft fees from truist bank since 2019. Is this legal?

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 2023-12-10
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to bring to your attention a matter of significant concern regarding my consumer credit report. Upon reviewing the report, I have identified instances of late payments that have been reported without proper notice, as mandated by 15 U.S.C. 1666b. I would like to draw your attention to the following accounts that are reflecting late payments : XXXX. XXXX XXXX  Account XXXX XX/XX/XXXX days reporting XXXX. XXXX. XXXX XXXX  Acct XXXX XXXX ] : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX 30 days late XXXX. XXXX XXXX  Acct XXXX 30 days XX/XX/XXXX XXXX. XXXX XXXX Acct XXXX XXXX  XXXX  30 days According to 15 U.S.C. 1666b, consumers are entitled to receive notice of negative information being reported to a credit bureau before it is included in their credit report. In this case, I have not received any such notice, and the inclusion of these late payments on my credit report is a clear violation of my rights under this statute. I am formally requesting the following actions : 1. Immediate investigation into the lack of notice for the reported late payments. 2. Verification of compliance with 15 U.S.C. 1666b by the entities reporting this information. 3. removal of the late payments from my credit report. 

I expect a thorough and prompt resolution to this matter to ensure that my credit report accurately reflects my financial history and to prevent any undue harm to my creditworthiness. Please provide confirmation of the initiation of the investigation and an estimated timeline for resolution. Additionally, I request a free copy of my updated credit report upon the completion of the investigation. Your immediate attention to this issue is appreciated. Failure to address this matter within a reasonable timeframe may compel me to pursue legal remedies to protect my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In compliance with the Fair Credit Reporting Act, I assert that the following accounts have breached my rights to privacy and confidentiality as established under 15 USC 1681 : XXXX XXXX XXXX ( account ending in XXXX ), XXXX  XXXX ( accounts ending in XXXX and XXXX  ), XXXX ( account ending in XXXX  ), XXXX XXXX XXXX ( account ending in XXXX  ), XXXX XXXX XXXX ( account ending in XXXX ), XXXX XXXX ( account ending in XXXX ), and XXXX XXXX ( account ending in XXXX ). The Act, specifically 15 U.S.C. 1681 section 602 A, affirms my right to privacy. Additionally, 15 U.S.C. 1681 Section 604 A, Section 2, mandates that a consumer reporting agency can not release an account without my explicit written permission. Further, 15 U.S.C 1681c. ( a ) ( 5 ) Section prohibits any consumer reporting agency from creating a report containing any adverse information older than seven years. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) dictates that no one should provide information about a consumer to a reporting agency if they know or suspect that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 declare under penalty of perjury ( " under the laws of the United States. '' if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. 
Further, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willing for Miss statement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. 
Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items I'm requesting you to do so for. I want to make it clear that I'm not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldn't file the report because I didn't have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE

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 2023-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 reached out to the bureaus about this debt being reported on my credit report. It is reflecting as a delinquent account from XXXX XXXX  I no longer owe this debt. All obligations have been made.

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 2023-12-11
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:
My identity was stolen. I contacted these companies previously and advised them that these accounts did not belong to me and it was identity theft. They have refused to block these accounts and are violating my rights. They are also damaging my credit score as well as my ability to live properly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-15
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On or around XXXX of XXXX, I refinanced our home which is now being handled by Myloancare. I decided to recast our loan on or around XX/XX/XXXX, adding XXXX to our principal. On XX/XX/XXXX we contacted Myloancare asking if they offer Loan Recasting. The answer was affirmative. They offered to recast for a {$300.00} fee as long as we were adding at least 10 % of our principal. They indicated they would be sending us paperwork for recasting. 30 days passed and we did not receive anything. On XX/XX/XXXX we contacted Myloancare again. They again told me they would send out the paperwork and informed me there would be a {$300.00} fee, to which I agreed. I waited 2 weeks and still did not receive the paperwork. On XX/XX/XXXX, I called again and the representative indicated they did see the notes and did not know why we had not received anything. I asked for the paperwork to be sent via email or at least a verification letter indicating I wanted to recast. It has now been 45 days and I have yet to hear anything from them. Can you please help me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
According to consumer law, they have violated my rights. I asked for my personal information not be shared with any another reporting agency. - [ ] 15 usc 1681 B : permissible purpose - credit furnishers can not share consumer information without the consent or written permission from consumer ; persons who knowingly and willing obtaining information on a consumer from another consumer reporting agency under false pretenses ) shall be fined under title 18. ; - [ ] 15 usc 6802 : rights to privacy.

Obligations with respect to disclosure of personal information.. they are in violation and I want to persue legal action

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 2023-04-04
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A collection that I had no knowledge of and that does not belong to me was falsely leveled against me by Credit Collection Services in the amount of {$150.00} on XX/XX/XXXX, and the amount was updated to {$300.00} on XX/XX/XXXX. The original creditor was XXXX, and I have not opened an account with them either. The account is fraud. Further, I never received a notice of debt. I have filed a police report related to this incident.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: The Outsource Group, Inc
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/2017 I was sent to XXXX XXXX XXXX XXXX XXXX due to an XXXX of XXXX. I was completely XXXX and the hospital made me sign documents that I didn't have any capacity at the time to understand. Being a XXXX XXXX I wasn't aware of how medical debt was distributed and recently found that my unpaid debt was sent to a collector, XXXX. I talked to them and they were unable to settle the debt for me and demanded immediate cash payment within 90 days in the amount of {$490.00}. For the past year I have been making payments to XXXX   XXXX XXXX in the amount of {$300.00} in total so far for the ambulance. XXXX has ruined my prestine credit score over a debt i wasnt even aware of. Is it illegal to make someone without capacity sign documents for a service that i didnt voluntary take nor was life threatening?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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:
15 U.S. Code $ 1681c-2 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. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: FL
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:
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 XXXXXXXX, Account name : XXXX  XXXX, Account name : XXXX XXXX, Account name : 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 convi
ctions 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 2021-08-17
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: Account information incorrect

Complaint:
Account is showing late payments on my consumer report that were not late and according to 15 USC 1666b Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. attached is a copy of the law that indicates my consumer rights have been violated.

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 2024-01-09
Company: Eastern Account Systems of Connecticut, Inc.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This debt collector employed abusive, deceptive and unfair practices, violating the FDCPA. They reported an account we did not agree upon, and I did not sign any agreement. A legal contract involves two parties, and I was not a part of it. Moreover, they neglected the proper 5-step validation procedure, constituting an unfair practice. According to the FDCPA, I am entitled to {$1000.00} compensation per violation, and its clear they infringed on my rights.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2023, I filed an online dispute for two erroneous XXXX  XXXX bankruptcies listed on Equifax credit file. One being case # XXXX and the other case # XXXX. As of XX/XX/2023, I have not received any result from the investigation and the dispute still reads " Under Investigation '' on Equifax 's website. This is a clear violation of the Federal Credit Reporting Act. I demand these bankruptcies be removed immediately. I have attached a screenshot of the online dispute status, along with additional evidence that XXXX XXXX, the supplier of these erroneous bankruptcies, has removed this information from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me. The accounts 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 accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-12-18
Company: EQUIFAX, INC.
State: CA
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:
Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report.

Company response to consumer: Closed with explanation