BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-03
Company: Experian Information Solutions Inc.
State: AZ
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 13. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-17
Company: Resurgent Capital Services L.P.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This is a 3rd part debt. I'm now being sued for damages for the amount of XXXX. All this came about when I exited the XXXX and I didn't even get served my brother in law did.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Complaint Number XXXX On XX/XX/XXXX, I began an auto loan transfer to Capital One Auto Finance ( COAF ) for {$23000.00}. COAF paid the wrong bank, took them several months to resolve. COAF then began to report to the credit agencies that my payments were late, even though I was STILL making payments to original loan company. COAF then closed the account, when the transferred occurred, so I couldn't make payments. Then COAF created dual accounts for my car loan. Closed one account and entered it as " repossession '' into the credit reporting agencies, while I'm simultaneously entering into a settlement agreement on the same account which COAF reported as repossessed. On XX/XX/XXXX and XX/XX/XXXX COAF sent settlement agreements. On XX/XX/XXXX sent a payment due notice. On XX/XX/XXXX COAF sent a " default and right to cure letter '' AND on XX/XX/XXXX COAF also sent a repossession notice. If not for my CONSTANT CALLING COAF, they would have illegally repossessed the vehicle. COAF is now advising that I need to file a dispute with the credit reporting agencies, to correct their mistake of the two accounts. SUCESSFULLY RESOLVED. 

On XX/XX/XXXX, a year later... did the same thing AGAIN! COAF discontinued my autopayment, and on XX/XX/XXXX COAF released the lien on the vehicle. On XX/XX/XXXX COAF began to notify the credit bureaus that the loan had been settled. I did not request a settlement, nor did I agree to a settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Companies and credit bureaus refuse to provide proof of alleged debt. Under the FDCPA I have the right to request proof. The credit bureaus and companies continue to refuse to provide proof. These COMPANIES AND CREDIT BUREAUS continue to report these debt false while totally ignoring the laws under 15 USC 1692g SEC. 809 ( FDCPA )

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 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am writing to dispute several unauthorized accounts and transactions on my credit report that I believe are a result of identity theft. I recently discovered that my personal information has been used without my consent, and I suspect that my nephew, [ Nephew 's Full Name ], may be responsible for this fraudulent activity. I believe that my nephew, may have used my personal information to open these accounts and carry out these transactions without my knowledge or consent. I have reason to believe that he had access to my personal information, such as my Social Security number, date of birth, and other identifying details, which could have been used for these fraudulent activities. 

I kindly request that you remove these unauthorized accounts and associated negative information from my credit report as soon as possible and provide me with written confirmation of the actions taken. 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 2022-11-26
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-02-26
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: Account information incorrect

Complaint:
Hi CFPB team, My complaint is about my business Equifax report. Equifax has been reporting an open balance on several tradelines for the past few months. I always review Equifax report to confirm the balance would change to {$0.00} but this didnt happen.This information that is being reported and reflecting an open balance is incorrect I never leave an open balance with any vendor more then 5-10 business days. Ive also confirmed with all vendor I dont have an open balance. These types of error get a business rejected when applying for funding this has happened to us recently. See attached Equifax report as of XX/XX/XXXX Ive numbered and circled all incorrect open balances I also sent this to Equifax Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: TN
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 want to convey my deep annoyance and dissatisfaction with how your bureau has managed my identity theft disputes. Despite my repeated attempts to resolve this issue, I have encountered a frustrating lack of responsiveness and action from your side. As a victim of identity theft, I have faced numerous challenges, both financial and emotional, due to unauthorized account and transactions appearing on my credit report. I reported these fraudulent activities to your bureau and submitted all the necessary documents and detailed explanations, to substantiate my claims and establish my innocence. Despite providing substantial evidence of identity theft, it seems that my case has been either overlooked or deemed unimportant. This has left me feeling disregarded and powerless in a matter that has profoundly impacted my life. So please delete this account : DPT EDXXXX 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 2023-06-27
Company: EQUIFAX, INC.
State: NC
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 Follow-up 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 XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$60.00}

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 2022-11-26
Company: Experian Information Solutions Inc.
State: CA
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, DEPT OF EDUCATION/XXXX  : # XXXX ( This will be all XXXX accounts starting in XXXX ), XXXX : # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2022-09-17
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX as I was checking out my Experian credit report I notice several inquires on my credit report that I did not authorized. Below are documention of inquries in question. 

1. XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Automobile Dealers, Used Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX 2.XXXX XXXXXXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Credit Unions Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone XXXX ( XXXX ) XXXX 3.XXXXXXXX XXXX  Important dates Inquiry date XX/XX/XXXX Removal date XXXX XXXX Additional details Business type Auto Financing Companies Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX 4.XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX  Additional details Business type Auto Financing Companies Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX 5.XXXX XXXXXXXX XXXX XXXX  Important dates Inquiry date XX/XX/XXXX Removal date XXXX XXXX Additional details Business type Auto Financing Companies Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX 6.XXXX XXXXXXXXXXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal XXXX XXXX XXXX Additional details Business type Auto Financing Companies Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX 7XXXXXXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Bank Credit Cards Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Automobile Dealers XXXX Used Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( 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 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I disputed my personal name with XXXX because, they are not reporting me accurately However, they decided to not correct the error and remove any other aliases they have of me. I only have one name, XXXX XXXX XXXX XXXX XXXX has profile under anther name 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 2021-03-11
Company: Consumer Adjustment Company Incorporated
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company Consumer Adj, has reported on my credit reports that I owe a debt a medical claim debt from XXXXXXXX XXXX XXXX XXXX XXXX XXXX. They claim that I opened this account on XX/XX/21. This information is incorrect and as a result they have placed this collection on my credit report and state that I owe them {$1000.00} This is incorrect and fraudulent reporting. They have not only fraudulently listed thus incorrect data on my credit report but that have no information for contact, no account number, no address, no telephone number and no email address, this is a crime according to the FCRA, and I will seek justice. I am very upset that this company not only failed to reach out but they have failed to verify that thus is an account that I owe. I have looked them up on the internet in an attempt to get a good address and my letters have been returned undeliverable. XXXX XXXX has never sent me not XXXX letter in the mail trying to collect on this debt that they say I owe, and have never sent me any documentation that proves this is a debt that I owe, nothing bearing my signature. I am the victim of identity theft and my Identity Theft reference report # is XXXX, my police report # is XXXX I ask that this information be removed immediately from all 3 of my credit reports including XXXX XXXX, XXXX, and XXXX. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Can Not stop the paper statements on line as BBVA states, tried 5 times to do it, each time, says, I have to call a XXXX number which I am not going to waste my time, thus it's a lie they said to CFBP. I will file another complaint, when the statement fee comes in. Either way I want to close this account as dont want BBVA anymore, with poor service, I opened a XXXX account checking/savings account with superior service. I have to wait till SSA stops the direct deposit in XX/XX/XXXX before I can close the BBVA account. I never want to do business with this entity again

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19
Company: TRUIST FINANCIAL CORPORATION
State: CO
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 was told that my auto loan was with XXXX and not TRUIST Bank when I did my lease end buyout with XXXX. Therefore, I did not receive the mailing from TRUIST Bank regarding my loan and did not make payment. I reached out to XXXX several times between XXXX regarding not receiving a bill for my auto loan and was told that it would be coming shortly from XXXX and not TRUIST. The communication was terrible. I also never received official looking documentation from TRUIST Bank or any communication until I contacted TRUIST Bank on XX/XX/XXXX after finally finding out from XXXX that my auto loan was serviced by TRUIST Bank. It was at this time that I explained the situation and made my entire payment in full and set up autopayment. I contacted XXXX and TRUIST Bank on XX/XX/XXXX to discuss and dispute this and my issue was not resolved. I pay all of my bills on time and would have done so if I received proper communication from XXXX and TRUIST Bank. This took over 2 months for me to find out that my load was with TRUIST Bank at which point my account was past due and I did not know about it.

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 2018-12-12
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:
According to my recent credit report request from XXXX, XXXX, and Experian there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 




VIOLATIONS OF CREDITORS & XXXX  VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX Account # XXXX Reported to XXXX, XXXX, EXPERIAN, PROFIT AND LOSS WRITEOFF ( AUTO LOAN ) XXXX XXXX Account # XXXX Being Reported to XXXX, XXXX, EXPERIAN CHARGED OFF ACCOUNT BAD DEBT XXXX   Account # XXXX Being Reported to XXXX, EXPERIAN ( ACCOUNT ASSIGNED TO ATTORNEY, COLLECTION AGENCY, ) XXXX Account # XXXX Being Reported to XXXX, and XXXX ( CHARGE ACCOUNT ) XXXX Account # XXXX Being Reported To XXXX, and XXXX  ( CLOSED OR PAID ACCOUNT/XXXX   BALANCE INSTALLMENT SALES CONTRACT ) XXXX XXXX XXXX/XXXX XXXX Being Reported To EXPERIAN ( INACTIVE ACCOUNT REVOLVING CHARGE ACCOUNT ) XXXX Account Number # XXXX Being Reported To XXXX ( FLEXIBLE SPENDING CREDIT CARD ) XXXX  XXXX Account # XXXX Being Reported To XXXX  ( STUDENT LOAN ) XXXX XXXX Account # XXXX Being Reported on XXXX ( PLACED FOR COLLECTION )

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