BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-14
Company: OPORTUN FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 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 ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

*USING EOSCAR IS NOT A COMPLETE AND ACCURATE FORM OF VERIFICATION. DO NOT USE!!! 

XXXX XXXX UNVERIFIED ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
On XXXX my wife and I obtained a {$100000.00} line of credit from our local Truist branch. They were SunTrust. We have had 2 accounts there for over 20 years. Loan originator was XXXX XXXX. We were very clear that whatever XXXX  we got had to be at a fixed rate. XXXX XXXX assured us the XXXX was at a fixed rate of 3.99 %. We did not have any issue with that. We were remodeling so we were needing to take a certain amount out at irregular times. {$20000.00} here, XXXX there, etc. Again XXXX XXXX assured us this was going to be OK. We made our first withdrawal and the % was XXXX. We made a second withdrawal but the interest rate went up to over 6 %. We made two more withdrawals but those interest rates went as high as 8 %! We called to inquire and was told that the entire {$100000.00} was NOT all at 3.99 % and it would vary. We explained that we took fixed rate. All our papers say so. Over the years we have had several loans, all at fixed rates. Even with this bank. Truist says otherwise but can't prove it. They have not supplied any documents that we signed or even not signed. IF they are correct it was not explained to us by XXXX XXXX. We were VERY clear what we wanted. On XX/XX/23 we called Truist and asked for a XXXX. At this point I want to advise that staff at the bank has been extremely minimal. XXXX XXXX was no longer there so we spoke to the apparent manager, XXXX XXXX who is now at a XXXX branch XXXX XXXX XXXX XXXX XXXX. We started with him at our local XXXX branch before his transfer. He could not verify their position with anything except just saying so. We gave him a week to talk to his higher organization but the answer was they would do nothing except out the rate down to 7.99 % if we pay it all off. Since the change from Suntrust to Truist, this bank is the worst. We closed one account and opened another but they never closed the old account. Our Social Security payments were affected. We can't use XXXX XXXX because it's still tied to the old account but also the new. However we can't pay from the new account for whatever reason. 
At this point we have tried to work with the bank but as I described they are not being cooperative. 
We appreciate any help you can offer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I'm writing to dispute some information that I think was obtained through identity theft on my credit report. I would like to make it clear that this letter and the supporting documents that are attached are truly from me, and I certify that the materials are authentic. 

I understand how important it is to give precise information when challenging issues on my credit record and how serious the situation is. As a result, I would like to verify both my identity and the authenticity of the documents I am sending for your consideration. 

In addition, I contest the following credit report accounts that I think are the product of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I ask that you look into these accounts right now and take the appropriate action to correct the errors on my credit report. Additionally, as required by law, I politely request that you keep me informed on the developments of your investigation. 

I sincerely tell you that the information contained in this letter and the documents it is attached with is accurate, and I accept full responsibility for it. I value your quick response to this issue and your help in figuring out this identity theft situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14
Company: Westlake Services, LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Hey I financed my car on XXXX XXXX XXXX I remember getting it I had to pay XXXX total for the down-payment! After that they also read to me the contract really fast and told them to slow down so that I could fully understand what im hearing so after that before and after I signed the contract I asked the salesperson numerous of times was there anything wrong with it because the engine light was on! So they did the inspection and they said everything passed! So, the salesperson said don't worry about it!! It's just the censors that are messing up so I just went and got the codes clear and thought nothing of it until I realized a few weeks later which fell on the week of the the XXXX XXXX XXXX XXXX  I attempted to contact them which was during my 30day warranty that next week while my 30 day warranty was still active I asked them was there anything wrong with the car they said no everything is fine so I said okay and let it go They told me it was 1 previous owner that had it but not the prior damage they caused on the vehicle! So I found that out on XXXX myself that they had 4 previous owners that could of possibly caused damage to the car before me getting it also on XXXX  it said they resold it so many times due to the damage that was already done to the car. I also tried contacting them within my 30days of my warranty I remember it was up XX/XX/XXXX which fell on a Saturday which was technically my last day of my warranty being active. I'm thinking they could of worked something out since my warranty fell on a Saturday and it wasn't fair becuase they were closed on weekends so when I called up that Monday of the XXXXXXXX XXXX XXXX XXXX they said there was nothing they could do and to contact other warranty companies to see if they could help I was so furious I didn't know what to do... So I just kept contacting them like why wasn't u guys honest now I am stuck with a car thats not even up depar and my total amount I owe is XXXX and I had it for almost a year now and saying I only payed XXXX which is really approximately XXXX!! I just hope us as the consumers get justice!! I had to even make investments on this car already and havnt had it a whole year yet my exhaust leak cost {$600.00} and that's including the brakes I had to get fixed with this car and that was after XXXX so I'm really hoping we can get justice!! The sales price on my car is {$10000.00} for my XXXX ... .Im basically paying XXXX extra over the salesprice which is XXXX I owe Also I spoke with westlake portfolios as well and even mentioned to them about it to see what they could do but... nothing is what they told me they have poor customer service skills and and really big on just collecting the payments and thats it so nothing has been helpful

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have asked Experian to investigate and remove an inquiry from XXXX XXXX. I have never delt with these people In accordance with the Fair Credit Reporting Act. 

The inclusion of this on my report has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 2020-02-10
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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2023-06-16
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: 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 : XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. 
Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately

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 2020-12-14
Company: EQUIFAX, INC.
State: NV
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I demand the following account be verified or removed immediately. Thank you for your prompt assistance in this matter. 

( XXXX  XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I've consistently paid on time for this account, and it's disheartening to face issues for something I haven't done. Please rectify my account urgently and remove any incorrect information that's causing me undue stress.

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 2023-08-14
Company: Block, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have an old account with CashApp. I no longer have access to that account. I have contacted them to gain access to the account or to have the funds transfered from the account and they will not grant me access to the account or money. 

I have been able to successly provide them with all of the security clearnce requirements ( full name, account email, account name, my SSN, old credit card numbers and addresses ). 

CashApp is stating that they will not give me access or be able to provide any further assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: CITIBANK, N.A.
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:
I am reporting a fraudulent inquiry on my credit report from Macys/cbna. Inquiry date XX/XX/2023 I am requested this inquiry be removed from my credit file because it is a fraudulent inquiry not made by me. I have already filed a dispute with XXXX as well as contacted Macys but they said there was nothing in their system.

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 2023-11-23
Company: Experian Information Solutions Inc.
State: IL
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 have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2022-08-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
There is an error on my consumer report furnished by XXXX XXXX. My consumer report has a fraudulent late payment being reported on account # XXXX, which is causing me damage as a consumer and limiting my ability to extend credit. XXXX XXXX Bank card is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. I have made them aware of this error well over a month ago and they are choosing to break the law. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any of the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information. Congress has stated there shouldnt be any late payments? XXXX XXXX and the CRA 's ( Experian, XXXX, and XXXX ) are attempting to harass me and violate my right as a consumer purposely. I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m. Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has XXXX XXXX been accepting? Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me. I demand the error in question to be changed to paid as agreed to reflect 100 percent payment history. 

once again this late payment is in regards to : XXXX XXXX Account # XXXX Date : XXXX of 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 2020-02-10
Company: Medical Business Bureau
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have never had a XXXX test in this hospital, for months I have tried to communicate with the hospital and the creditor of this debt and I do not receive answers, just as I never received a document or information about this account Creditor Information opened XXXX XXXX {$240.00} Original creditor : XXXX XXXX XXXX as Creditor Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ILXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: EQUIFAX, INC.
State: AR
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 was trying to trade my vehicle for a XXXX, due to the fact that I have a old car and it is soon going to break down. I was at the dealership and they denied giving me a auto loan. I asked them why and I did not get a explanation. I asked them to review my credit report to me and they told me no. I was very upset so I went home and looked up where I could get a copy of my report and I found a site pulled a copy and now I am even more upset that some one has been using my to open up accounts that should of never been open. These accounts are not mine. I need them removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: United Consumer Finance, Inc.
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
the United Consumer Finance company keeps harrassing me twice a day for the past year They keep calling me and threating me for being 1 day late not even 30 days late. This is very fustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: Kriya Capital, LLC
State: MN
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:
i disputed this XXXX bill. i was a victim of identity theft. the last collection agency was notified and it was removed from my credit. i would like this removed and blocked from my report immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23
Company: Experian Information Solutions Inc.
State: IL
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 have no public records associated with my credit report. I find this situation unacceptable. I urgently request that you rectify this and remove these entries from my report. The situation is causing me significant anxiety and distress

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