BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-13
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, XXXX XXXX, am stating that TransUnion, XXXX, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as TransUnion XXXX XXXX, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave TransUnion, XXXX, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my TransUnion, XXXX, XXXX credit report : DPT EDXXXX DPT EDXXXX : XXXX DPT EDXXXX : XXXX DPT EDXXXX : XXXX DPT EDXXXX DPT EDXXXX : XXXX DPT EDXXXX DPT ED/XXXX : XXXX DPT EDXXXX : XXXX DPT EDXXXX DPT EDXXXX DPT EDXXXX DPT ED/XXXX DPT EDXXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give TransUnion, XXXX, XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. TransUnion, XXXX, XXXX is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF TransUnion, XXXX, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my TransUnion, XXXX, XXXX XXXX report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed 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 2023-08-02
Company: ALPHA MIDCO INC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX has sent multiple letters saying we owe a debt to Sapientes Funding. We have never heard of either company. When i requested more information about the original creditor, all that was returned was a po box number, no information on what or who was owed. I do not want this to harm my otherwise excellent credit and am trying to verify if it is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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, has violated my rights. 

These accounts are inaccurate are under litigation and under the HIPAA Act. These account needs to be closed. Not only closed but removed from my credit report immediately. 

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. 

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.

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 2022-12-02
Company: Atlanticus Services Corporation
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This is an account I never applied for and I don't have a monthly statement Account name XXXX XXXX Account number XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 on XX/XX/2022 to remove the accounts below 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 any accounts or information not later than 4 business days after the XX/XX/2022 letter. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00} XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$850.00}

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 2022-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX XXXX, who is submitting this CFPB complaint, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX  XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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 2022-07-13
Company: Early Warning Services, LLC
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
The scam started on XXXX XX/XX/2022 while attempting to connect my TV to my XXXX XXXX account. A message appeared on my TV that I needed to call a number to confirm my account. ( I do not recall number. ). After answering several question and passed around to various individuals, all representing themselves as XXXX Staff - resulting in me, apparently authorizing a transfer from my bank account to a Zelle account ( I DO have a name and Zelle payment ID number ) the total of {$990.00}. Upon realizing what I had done my wife contacted our bank, filed a claim and issued a case number. We also closed our checking account and took all the necessary steps to switch all out all our monthly automatic fund transfers. The bank representative was very considerate and helpful. The transfer was put on hold - but ultimately the dispute was cancelled and the money transferred on XXXX XX/XX/2022. I realize the stupidity of my actions in approving the transfer, but this transfer was approved on false pretense and lie. What I dont understand is why this activity can not be shutdown, we know the account that the money was sent. If appears thousands, maybe millions, of claims of this same kind of fraud exists using Zelle. If Zelle didnt scheme this system to facilitate this type of theft, the system certainly is making it immensely easy for these scammers by evidence of thousands, maybe millions of these fraudulent transfers, and Zelle appears to be doing nothing. Somebody ought to be able to curtail this activity and someone should be prosecuted. Maybe the IRS should be investigating these transfers to see if any taxes could be collected from these scammers

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: Affirm Holdings, Inc
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I'm in the middle of closing on a mortgage XX/XX/XXXX. I've been in this process since last quarter of XXXX. I purchased products from XXXX payment plan provider Affirm who offered per terms ( soft credit pull only, no reporting unless delinquent or payment problems ). This was great due to no cc use allowed and monitoring of my credit cards and bank acct every 30 days until close. 

The account in questionXXXX Had a return item to XXXX which the processed the adjustment and updated AFFIRM as required. Payments were still automatically deducted with no missed or late payments. Completed terms XX/XX/XXXX. They in turn reported as of XX/XX/XXXX this acct to XXXX as a collection that's never been late but has a balance of {$90.00} remaining which is oddly the adjustment amount XXXX had them complete. This has not only out me in jeopardy of delaying nor losing out on my home. It is incorrect, was not supposed to be reported on my credit and their process of resolution has not worked in my favor. I've completed all terms and per the terms of my contract which I read prior to signing they've botched all agreed. No removal was completed nor updated information to the balance as the letter indicates. 

They have it listed as : 1. Collection account ( false ) 2. {$90.00} Balance owed ( false ) 3. But in good standing ( contradictory and misleading )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
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:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instru

ctions 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I noticed on my Transunion credit report my name is misspelled and a totally different middle name form mine. Also Known As XXXX XXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 sent your company a dispute letter last month, XX/XX/2023, It's been over 30 days already but I still haven't got any update in any form coming from your company. I am aware that the FCRA is requiring the CRA 's response within 30 days but I don't know. I read on the internet that I can ask for help from CFPB, XXXX, and the Office of the Atty General so I'm resending the documents that I sent last month for you to look into.

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 2022-05-30
Company: EQUIFAX, INC.
State: PA
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 XXXX XXXX, who is submitting this CFPB complaint, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: TN
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, XXXX XXXX XXXX, Account # XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: EQUIFAX, INC.
State: TX
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, 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: CarMax, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury that the statements herein are true and correct to the best of my knowledge. I certify that I am permitted by FEDERAL and STATE LAW to dispute this alleged debt and commence this complaint. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S. C. 1001.

Additionally, any false statements are punishable as perjury under 10 USC 1621. This collection that is being furnished on my consumer report is not related to any transactions that I made. I believe that a person or company- without my authorization- used my personal identifying nonpublic personal information to apply for goods, services, or money deceptively and unlawfully opened this account. Complaints are being filed with the Federal Trade Commission as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: AES/PHEAA
State: WI
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I ctc what I thought was Fedloan servicing it was in fact Fedloan service. 
I was asked immediately for my ss id and bday, I provided this and was given false hope about XXXX payments, info about my payment history. When I became suspicious I confirmed with Fedloan servicing that this 3rd party was NOT them. I called back asking for any identifying info, to protect my info and be sure that whom I provided my personal and sensitive info to would not misuse it, to which he eventually hung up on me by transferring me for asking too many questions and gave me no info to help. He mentioned cutting corners, and doing things he should not be doing to assist me. he used my XXXX  XXXX situation and single motherhood to endear me. XXXX XXXX : manager : saying this is a over flow line : Contracted dpt : Direct line : 3RD PARTY : SCAM = UNDER WRITERS : Fedloan service *** XXXX 3rd party : contracted XXXX XXXX XXXX Business ID : XXXX PA XXXX REPORT District attorney : Here are my notes Scam? 
XXXX  XXXX XXXX act : Dont qualify for public service Do an assessment off the record to see if this is worth pursuing 180 page app : Pay off loan : 2 payments of 199 Then new payment ( under XXXX ) XXXX= 6 XXXX 12 180 months forg. act forgive what I cant pay Algorithm XXXX Up by XXXX for every easement XXXX : XXXX XXXX XXXX manager : saying this is a over flow line : Contracted dpt : Direct line : 3RD PARTY : SCAM = UNDER WRITERS : Fedloan service XXXX XXXX 3rd party : contracted XXXX XXXX XXXX Business ID : XXXX PA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I purchased an extended warranty with my new car, it was explained to me, and I could also read in the contract that I could cancel this warranty within 60 days of purchase. A few days after I had the car I called the finance officer at the dealership and told him I wanted to cancel the extended warranty because I was concerned about the extra cost. I was told that if I cancelled at that time, the loan amount would still be the same every month because the loan had already been approved and could not be changed. So I thought I would wait to cancel until later, just in case I still had the car after 5 years, when the original warranty would end. 
It was not explained to me that the warranty I purchased would start on day XXXX of the contract instead of after 5 years which is what I assumed. Because why would I purchase an extra warranty to run alongside the already very good warranty that Hyundai is very proud to advertise. Nowhere in the contract does it state when the extended warranty starts.

I even called the main Hyundai finance office a few times just to be sure that I had my facts correct and could cancel and get my money back. No one either at the dealership or the main finance office told me that if I waited 5 years to cancel after the initial warranty ran out that I would only get half the money back. 
I feel completely mislead by both the dealership and the Hyundai Corp. I did not sign part # 3 on the form that says the service plan was explained to me, it obviously was not or I would never have waited so long to cancel the extended warranty.

I had not planned to keep the car this long, my plans changed because of Covid etc. 
I went ahead and cancelled the contract after my final payment was made, but I am very upset that I lost half the money and I would like to see if that could be remedied. 
I would also like to add that it was extremely difficult dealing with the dealership regarding cancelling this contract. I had a hard time getting anyone to return phone calls, including the general manager who never got in touch with me. I even resorted to driving XXXX hour to the dealership so I could get anyone to help me initially.

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 2023-02-05
Company: Affirm Holdings, Inc
State: AZ
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 used AFFIRM to finance the purchase of a cell phone, paid off the balance XX/XX/2022, and the company still has not reported it to my credit bureau, XXXX. I have contacted both XXXX and Affirm but neither has satisfied my request to update the information. The account, XXXX still shows a balance of {$400.00} which should show XXXX, paid in full. Affirm is delinquent in it's obligation to report and keep current consumer 's account status. I have spoken to and written to Affirm with no relief. Following this complaint I will close the account which will adversely affect my credit score but I will take the hit to sever all contact with them.

Company response to consumer: Closed with explanation