BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-08
Company: Experian Information Solutions Inc.
State: NC
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 {$210.00}, XXXX XXXX : # XXXX {$200.00}, XXXX XXXX XXXX : # XXXX {$55.00} XXXX XXXX XXXX : # XXXX {$130.00}, XXXX XXXX : # XXXX {$1100.00}, XXXX XXXXXXXX XXXX XXXX ( XXXX ) # XXXX {$2900.00}, XXXX XXXX XXXX : ( XXXX  ) # XXXX {$1600.00} XXXX XXXX XXXX {$270.00}, XXXX : # XXXX {$1500.00}, XXXX XXXXXXXX XXXX : # XXXX {$1600.00}, 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: EQUIFAX, INC.
State: MS
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20
Company: EQUIFAX, INC.
State: MS
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 second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10
Company: EQUIFAX, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Experian Information Solutions Inc.
State: AL
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company 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 2023-05-20
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 XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$490.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; U.S. Bankruptcy Court XXXX XXXX bankruptcy discharged Reference # : XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
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 status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OR
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:
On this day I informed the agent that the debt was past the statue of limitation as the date of last charge ( payment by myself ) was in XX/XX/XXXX. I further stated that the debt has been sold to several collection agencies and that they continued to add interest to the account but that was not the date of last charge by myself. The agent told me I was more or less imagining things and that the date of last charge was in XX/XX/XXXX. I then informed her that the statue of limitations in Oregon is 7 years so it would still be statue. The women became very angry and raised her voice. I told her not to contact me anymore. She said that she would contact me because this account was not past the statue of limitations. About an hour and 40 minutes later they called back and I spoke to the same woman, who said that she was in litigation. She said that they were going to sue me. I again informed her that the account was past the statue of limitations. She said that the account was sold to 3 collection agencies and that the last time interest was added was in XX/XX/XXXX. So, again, it is still past the statue of limitations. She started yelling at me and I disconnected the call. Previously, I contacted by telephone and ( I assume the same people ) identified themselves as process servers and that they had papers to serve to me. ( This was approximately in XX/XX/XXXX. ) They would not give me a case number. I contacted the state of Oregon for a local attorney recommendation and then spoke to an attorney in XXXX. He told me that it was unlikely that they had filed papers otherwise they would have given me the case number of the court case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: DC
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:
On XX/XX/2023, i disputed and account on my credit report which seems to be there in error. I filed an FTC report and i followed all steps governed to me by federal law 15 U.S.C 1681c-2 a block of information. I sent this letter to the credit bureau with no response. To my understand, once the steps are completed to black erroneous information the bureaus have 4 business days to block this account. XXXX is the tradeline that is current and beyond the 4 days the law allows. I reached out to the CFPB via complaint ID XXXX on XX/XX/2023 asking for additional assistance and still has yet to receive any updates nor responses. Federal Law 15 U.S. Code 1681c-2 states 4 steps need to be completed in order for a company to black information from your profile and as of XX/XX/2023 the credit bureau is in violation of a response within 30 days of receipt of a dispute and also 4 days in responses to a block dispute. Please maintain 100 percent accurate record keeping as youre governed to do so. Block this inaccurate, and incorrect account from my profile.

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 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I request that you take immediate action to investigate this matter and remove any other inaccuracies from my credit report.

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 2021-01-26
Company: HYUNDAI CAPITAL AMERICA
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I paid off loan # XXXX for a XXXX XXXX on XX/XX/XXXX, I have not received the title for this car, I was told that the title was maile to the state of Alabama. The state says they do not have the title. 

My Profile Contact Details First Name XXXX XXXX XXXX Last Name XXXX XXXX XXXX XXXX XXXX Email XXXX MY ACCOUNT SummaryDetailsStatements Vehicle Description XXXX XXXX XXXX  VIN # XXXX Customer Name XXXX XXXX Current Amount Due {$0.00} Total Amount Due {$0.00} CHECK PENDING PAYMENTS Last Payment Amount {$5000.00} Last Payment Date XX/XX/XXXX Principal Balance {$0.00} Contract Date XX/XX/XXXX Payment Due Date XX/XX/XXXX The principal balance on your account is the amount unpaid on the account, but does not include interest or other charges. This is different than Payoff amount. 
AUTOPAY Say goodbye to stamps and checks. Say hello to ease and convenience. 

Sign up now YOUR DEALER ( XXXX ) XXXX XXXX XXXX XXXX PhoneXXXXFax.XXXX Visit dealer website OUR COMPANY CONTACT US FAQS CAREERS SITE MAP FIND A DEALER TERMS & CONDITIONS PRIVACY POLICY

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 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX XXXX 15 USC 1681 section 602 ( a ) States I have the right to privacy. 

15 USC 1681 section 604 ( a ) section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681c. ( a ) ( XXXX ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 USC 1681sXXXX ( A ) ( XXXX ) person shall not furnish any information relating to a customer 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 2023-06-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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 2021-11-11
Company: Phoenix Financial Services LLC
State: OH
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 has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My refinance was completed XX/XX/XXXX. My Lender is XXXX XXXX XXXX XXXX California ( c the mortgage company handling my mortgage is Dovenmuehle Mortgage XXXX Inc.. My first payment I made was XX/XX/XXXX. I have been experiencing several issues with the Credit Union ... and Dovenmuehle, as I try to make principle payments. I called CUSC on XX/XX/XXXX, to set up auto pay. After experiencing months of issues with auto pay, I had to manually pay my mortgage and principle. I was locked out of my mortgage online payment in XXXX and XXXX, because it showed I paid my mortgage, and I had not paid. On XX/XX/XXXX, I contacted CSUC when I couldn't make my payment, and a Dovenmuehle representative helped me. The Rep. also, told me she put a note on my payment with the amount for the principle. 
XX/XX/XXXX I called again XXXX to get help to make my payment. Again, I was transferred to Dovenmuehle and had to deal with a reprentative for 1 hour and she was not helpful. She refused to pass me on to a manager. Eventually, she passed me to a mortgage representative who said he completed the transaction. The representative also said, he was sending me a receipt for the transaction. Which I never received. XX/XX/XXXX, I recieved 4 confusing notifications from XXXX. One said, I owed my regular mortgage for XXXX, another said, I owed {$2700.00}, and another said I owed my XXXX mortgage payment? I was very confused!! I looked at my account and found my XXXX mortgage was still in my checking account. I contacted XXXX asked to speak with a manager and I was passed onto a customer service supervisor, who transferred me back to Dovenmuehle. This time I spoke with XXXX who is the manager and he reassured me that he would complete the transaction including add my additional principle. I trusted XXXX because he is the manager and he waived my late fee. XX/XX/XXXX I received a dedelinquent notice from XXXX. I was very upset, and contacted XXXX, who ressured me he completed my mortgage payment, but forgot to complete the principle. 
I believe I have been so patient ... and I honestly I no long trust this mortgage company. I paid {$3000.00} in fees during my closing cost. I would like to get help with getting a portion back, so I can find another mortgage lender. Please provide me with feedback. 
Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company 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 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 attached to this document the proof of my previous complaints to the CFPB that have been ignored. 

XXXX. XXXX XXXX reprint of letter dated XX/XX/2020 stating that my account was closed and they were unable to verify personal information on my account. " we will report to the credit bureaus that the account was closed by grantor ''. 

XXXX. The XXXX account should not be reflected as late as it should not be reporting due to the blatant errors in metro 2 compliance for this account. This has been requested to be corrected via the phone and the mail, and uploading documents. No positive, proper response has been provided as of yet from XXXX. This account should be deleted by law.

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