BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 reviewed my credit report, I discovered that some of the information was erroneous. The XXXX, XXXX and Transunion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to ... promptly REPAIR all information which can not be verified. This account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/ Balance : {$14000.00}

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 2023-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 already disputed these items but the bureaus did not remove them, nor prove validation. 

In accordance with Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, has violated my right. 

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 : Also states a consumer reporting agency can not furnish a account without my written instructions.

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 2019-07-02
Company: Navient Solutions, LLC.
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've already talked to the bureaus. They need this updated information to come from Navient. You didn't answer or address my question from my previous complaint. My question was the months you reported my account as CURRENT to the credit bureaus, were not really current. You were charging me late fees the entire time. They were delinquent. I haven't been current since the last time I made a payment in XXXX. Also, the information you provided to XXXX at consolidation is not the same as what you reported to the credit bureaus. Months you show I was in forbearance to the XXXX do not line up with the months you reported as in forbearance to the credit bureaus. Will you please re-read my complaint and answer my concerns? My concern is you reported me as current to the credit bureaus pretty much from XXXX which is allowing these accounts to sit on my credit report for 7 years from the date it was closed in XXXX. My argument is I haven't actually been current since XXXX which was the last payment I made. If I was actually current as you were reporting me to the bureaus each month, then why were late fees being accumulated during this time? My argument is that these account as a whole should be deleted from my credit report based on the fact I haven't made a payment ( been current ) in over 7 years. 
ADDITIONAL COMMENTS Please re-read what I sent. Additionally, I'd like to receive all the documentation you have on my file for each occurrence I was granted forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: EQUIFAX, INC.
State: GA
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.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: In progress
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE 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:
In accordance to the Fair Reporting Act XXXX Account XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 U.S.C 1681 A Section 2 : It also states a consumer reporting agency can not funish a account without my written instructions.

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 2018-08-10
Company: Bepensa Capital, 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 short, AFS Acceptance financed a vehicle to me in XX/XX/XXXX. The vehicle was NEVER registered to me and I have not been able to use the vehicle though I made every payment on time, through XX/XX/XXXX. Beginning XX/XX/XXXX, I requested AFS to take action to obtain the registration and license plates I had paid for and subsequently been billed for. Months passed before AFS finally contacted me to inform me they had to " double pay '' to obtain the title and would be sending me the registration/tags. I NEVER received them. I tried to trade the vehicle in for another one in XX/XX/XXXX, I was informed this vehicle was titled in someone else 's name and had a different lien holder listed. In XX/XX/XXXX, AFS 's Title Manager admitted to me that AFS had NEVER obtained a title for the vehicle. I asked for the amount I had been billed upon the loan initiation ( for taxes, tags, documentation fees, and registration fees ) to be credited to my account from the date of initiation so that I would also be credited for the finance charge for said monies. SHE REFUSED. She also informed me AFS had filed for a bonded title with the State of Texas in late XX/XX/XXXX. In XX/XX/XXXX, I filed a complaint against the auto dealership and then found out AFS had NEVER applied for any bonded title. I contacted an attorney at that time and was instructed NOT to pay anymore on this fraudulent loan. AFS was informed of my intent to sue and they were also instructed NOT to make any false or negative reports to the Credit Bureaus. I am providing documentation including emails from AFS representatives LIEING to me about having possession of the title, and correspondence from my attorney, XXXX XXXX. I can also provide a chronology of events with evidence I have to substantiate my claims. I do not want AFS to have access to those documents at this time as there is a lawsuit pending for Deceptive Trade Practices and 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 explanation
Consumer complaint received 2023-03-31
Company: EQUIFAX, INC.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: WELLS FARGO & COMPANY
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a car loan with Wells Fargo and they showed that my account still had a balance when I paid it off and then it showed that I missed my payments as well. The total amount was {$15000.00} and I had to contact the credit bureaus as well. I do not remember the exact date.

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 2018-09-14
Company: EQUIFAX, INC.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXX I disputed a account that's showing inaccurate information on my credit report. The account showing inaccurate information is XXXX XXXX # XXXX The original creditor is XXXX XXXX {$4800.00}. In XX/XX/XXXX Equifax sent in the mail that the account was verified and accurate. In XXXX I sent in a complaint to the CFPB about the account to the original creditor which is XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. XXXX XXXX Responded to the complaint and sent in letter stating that the account was charged off with a balance of {$720.00} as of XX/XX/XXXX. ( see attachments ) The account was sold to XXXX XXXX. Looking at my recent credit report provided by you EQUIFAX the charged off/Amount Past due off amount is showing {$520.00} ( see attachments ) on the report under XXXX XXXX. I have enclosed a copy of the letter from XXXX XXXX the original Creditor showing proof that the amount is reporting inaccurate. EQUIFAX is showing and reporting {$520.00} which is inaccurate. As per the FCRA all credit reporting agency are to report 100 % accuracy information on consumer reports. Well as of XX/XX/XXXX I have enclosed also a copy of your inaccurate reporting of my report. I will be filing a suit with the court if this account isn't removed from my credit file.. Equifax is supposed to be conducting a reasonable investigation and not relying on a third party system. Please remove this account from my file or I will gather all my documents and go to my local court and file a suit as this is not right and not reporting 100 % accurate information on my report, I have copies of the balance that's reporting wrong and a copy of the letter from the original creditor so as of today this account needs to be removed from my file and not updated. if I find that the amount is updated a suit will be file,,, delete the inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: Cascade CISS Holdings, LLC
State: VA
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:
I do not recognize the following inquiry- Inquiries CREDIT PLUS Miscellaneous XX/XX/2020 Inquiry Details Inquiry Date XX/XX/2020 Inquiry Type Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: Caliber Home Loans, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We paid off a loan with Caliber Home Loans on XXXX XX/XX/2021. There was an escrow ( impound account ) that had a balance on XXXX XXXX of roughly 9000 dollars. On XXXX XXXX they did a system update after which showed a balance of XXXX dollars. There was no taxes owed since we had prepaid the taxes in XX/XX/2021. They say they did not attempt to pay the taxes yet there system update subtracted the amount. They say they need 0 days to research what happened. Meanwhile they have 21 days to pays us the balance of the escrow account which means they cant pay the amount owed to us in the 21 days allowed. They propose to pay us the XXXX and have us hold onto the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
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:
XXXX XXXX XXXX has been an issue since Ive gotten their service. I complained to them in writing three times & then twice to the credit bureaus. 

They are saying that i made a late payment in XXXX. I disputed this late payment, they then moved it to XXXX on XXXX and TransUnion but on XXXX reported it indeed XXXX. Making it look like two late payments. 

They also have the wrong number of debt owed. They are reporting my balance {$800.00} more then i owe & i make my payments on time every month.

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 2023-01-13
Company: EQUIFAX, INC.
State: CA
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 reviewed my credit report, I discovered that some of the information was erroneous. The XXXX, Equifax and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to ... promptly REPAIR all information which can not be verified. This account need to investigate and correct from erroneous reporting in my file are listed on my credit report : MXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/ Balance : {$14000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$810.00} XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2023-08-02
Company: Experian Information Solutions Inc.
State: NC
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: Problem with personal statement of dispute

Complaint:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information 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 2023-03-02
Company: AMERICAN HONDA FINANCE CORP
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
To whom it may concern ; On XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX Honda. After a couple of test drives of the various Honda Accords with my XXXX person XXXX XXXX we began crunching numbers. I was already pre-approved with XXXX XXXX {$41000.00} at 5.01 % interest, but we negotiated back and forth until the XXXX XXXX said he believes he can beat the APR rate, plus you wouldnt have to begin making payments until XXXX. However, I didnt want to go over {$500.00} per month. It was then explained to me that I can do a refinance after 6 months which would probably bring my payments down to where I want them. I then went to see XXXX in finance to complete my paperwork. XXXX insisted on me getting GAP insurance and as he explained the Pros and Cons, especially since this was a brand new car with XXXX miles on it I agreed to the GAP insurance, as XXXX and I closed the deal with a payment structure of XXXX per month for 72 months. I asked about any paperwork prior to leaving and he said everything will be emailed to me. 
I have been reaching out to XXXX XXXX Honda since the end of XXXX to now about a payment booklet, sells contract on where to send payments and I was always given the brush off ; Well call you back or where aware of the situation. The last person I spoke with, XXXX XXXX on XX/XX/XXXX from finance  was going to email me my bill of sells but that didnt happen, nor did I get a call back as promised. Now it is XX/XX/XXXX my temporary tag expires tomorrow and I need to rectify this situation immediately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A debt buyer called Jefferson Capital attempted to collect an old debt barred by the statute of limitations. A few months ago, they listed the debt on my credit reports as a new debt. This practice of re-aging an old debt is specifically prohibted by Federal and State law. The alleged bad debt from the original creditor started in XXXX. Jefferson Capital reported that old debt as a new collection account in XXXX of XXXX. I disputed it over 4 times with all XXXX bureaus and Jefferson Capital keeps reporting the information they know to be false. I will upload a letter of admission by Jefferson Capital that the debt is so old that it's barred by the statue of limitations ( 4 years in California ). Then, I will upload a current copy of my XXXX credit report that shows the debt as new, XXXX of XXXX.

Company response to consumer: Closed with explanation