BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, 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 : also states a consumer reporting agency can not furnish an 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 2023-10-27
Company: HYUNDAI CAPITAL AMERICA
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Loan opened without my consent or knowledge

Complaint:
I have no knowledge of this account, I did not open this account nor did I allow anyone to open this account in my name, I have been a victim of identity theft sinceXX/XX/XXXXthis account is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: EQUIFAX, INC.
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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 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 2023-06-05
Company: EQUIFAX, INC.
State: GA
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 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXXXXXX Balance : {$3600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: ALLY FINANCIAL INC.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Your reappearance of the complaint number XXXX is not supported under any federal or state law. but rather it is a violation of consumer rights 15USC1692a ( 3 ) 15USC1602 ( i ) ( i ) The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes.

So you say that you deny having violated any state and federal law. But according to title 15 USC 1692 you can not make a decision like refusing to extend my credit based on information from a third party as in this case. 1. They mention credit history again, credit history is not a factor in denying a credit extender, according to the Truth In Lending Act.

They put it well, part of their credit assessment. Your evaluation violates the federal equal opportunity law, since your decision is based on a supposed Score that is only a simulation and is not even a federal law and much less is contained in the Truth In lending act. Not in the CFR, Fair Credit Reporting Act. 

It is the last time that I refer them again to approve the application and extend my credit. 
Of you not doing it, based on the excuses you used in your answer, I am going to proceed with a lawsuit since you have just violated title 15 of the United States, seeking information from a third party that is a corporation that in turn can and does manipulate the numbers at your convenience to profit from the consumer.

I am not supposed to have a credit score to get a credit extension.

They are not supposed to a supposed credit history to extend my credit.

They are not supposed to check with a third party other than the consumer himself when they want to receive information from the same consumer.

Those are violations that you overlooked when writing a statement like this.

And I have my UCC-11 from the state of Massachusetts ready to send as proof that I have no debt. 

And to mention that because of my income they refused to extend my credit is another violation, since you are not the ones who will pay for the property with your own funds. 


And I understand that you have no control over the agencies, just as the agencies have no control over the consumers. And you do what they say, they are a third party, you should have sought information directly from the consumer and not from a third party as you did. Violate the 15USC title

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 2022-04-30
Company: AmerAssist A/R Solutions, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have sent in proof that XXXXXXXX XXXX XXXX  by law should not have my information. I did not authorize them to take my information. I also told them that was not me. They still wont remove it. 

I have sent in proof that Amerassist Ar Solutions, was not me, told them to send me the paperwork showing my signature on paperwork, also I never authorize Amerassit AR Solutions to use my information. It is against the law. They still wont remove it. 

# XXXX XXXX XXXX and Amerassist AR Solution both have violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting 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 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 explanation
Consumer complaint received 2023-06-05
Company: EQUIFAX, 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:
I am submitting my complain regarding this inaccurate information on my credit file. You must correct and verified the account that was opened inaccurately on my report. I am not agree with this as I found the account which seems to be an error. It is the responsibility of the credit bureaus to correct the account : XXXX XXXX XXXX XXXXXXXX Balance : {$310.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
ON Sunday, XX/XX/XXXX, CapitalOne sent me an email advising i had a secure message to read regarding my Capital One Credit card accounts The message advised that Capital One was lowering my credit limit to {$5000.00} ( from {$13000.00} ) because i was " only using a portion of my credit limit. '' I subsequently received a letter vis USPS I called Capital one to question the decision - i ... I have been a customer for 7 years, i used their car every month and NEVER missed a payment. 
They told me they could not help me, to reapply for a credit increase in 6 months I filed a complaint on social media with the same response I will be XXXX this month - I believe this is an age discrimination issue

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: EQUIFAX, 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:
I submitted a letter to the 3 Credit Bureaus last XX/XX/XXXX, to update this suspicious information. I think you have not validated these items 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 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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: EQUIFAX, INC.
State: SC
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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: EQUIFAX, INC.
State: FL
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:
n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX account # XXXX, XXXX  - XXXX Account # XXXX, XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
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: Old information reappears or never goes away

Complaint:
XXXX is an collection agent that I have ask Transunion to investigate. It states that I owe XXXX. The credit report does not display the correct contact information for this company. I have asked them to send me information verifying that this account belongs to me. They have just update my account saying it was correct. I told them that them verifying via electron system is unacceptable. I have been denied several loans because of the inaccurate information.In the past I was a victim of identity. My Transunion file states that I have been in there system since XXXX I was only XXXX years old.

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 2023-09-28
Company: Experian Information Solutions Inc.
State: TX
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX  {$6200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5500.00} XXXX XX/XX/XXXX XXXX XX/XX/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 2022-04-30
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
called and sent letters to Equifax on numerous occasions to no avail they will not remove the fraudulent inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: CCS Financial Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
When I purchased my first home in XX/XX/XXXX, I contacted several homeowner insurance companies for quotes in late XX/XX/XXXX/early XX/XX/XXXX. One of the companies that I contacted was XXXX XXXX for a quote. The quote that I received from XXXX XXXX was not the most competitive and so I decided to go with another insurance company. Shortly thereafter, XXXX XXXX started sending me letters demanding that I pay the insurance premium on a policy that went into effect on XX/XX/XXXX or else XXXX XXXX would cancel the policy. I called and informed XXXX XXXX back in XXXX that I did not agree to a policy and that I had only requested a quote and requested that they resolve the problem within their systems. XXXX XXXX did not fix the problem and eventually cancelled the policy on XX/XX/XXXX. Rather than fix the problem, they sold the debt to XXXX XXXX XXXX who has been intermittently sending me collection letters demanding that I pay {$220.00}. I have called multiple times requesting documentation that I owe this debt but have been told that XXXX XXXX XXXX doesn't have paperwork to prove such. Each time after I explain the situation, I am told that XXXX XXXX XXXX will fix the problem, but i continue to receive letters. Most recently XXXX XXXX XXXX sent me another letter on XX/XX/XXXX, requesting payment again. Again, I requested documentation and proof that the debt was a valid debt and was told that they did not have any such thing.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: Experian Information Solutions Inc.
State: PA
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 reference to the 15USC1681A under the exclusion section ( B ) anything that was extended or authorized from a credit card should be excluded from my consumer report.

Meaning any card plate or coupon book existing for the purpose of obtaining money, property or service on credit. If these items are not removed this is a civil liability reporting these items that are inaccurate from my report. 
Also investigative consumer reports says when a consumer report should not include factual information because I was not interviewed nor have my neighbors, friends or associates. 
In fact at the beginning of the FCRA under the congressional findings congress right away removed themselves from liability letting the consumer know that this is an elaborate masochism they assume this ia a vital role of 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 explanation
Consumer complaint received 2021-06-23
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: Credit inquiries on your report that you don't recognize

Complaint:
I contacted XXXX  regarding these unauthorized inquiries on my report to be removed and they refused. 

I have submitted in writing by certified mail with a return receipt that these were fraudulent inquiries and request for them to be removed.

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 2023-10-31
Company: DISCOVER BANK
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
During XXXX - XX/XX/XXXX we had our credit card stolen. We never used the card and never realized the charges. Upon finding the charge we called Discover and disputed. 

They were very helpful and unwound all the charges in a timely manner. 

When that was done we found a positive $ XXXX on the credit card. This was a combination of monthly payments we had made on the balances over the year and the total amount of the disputed charges. 

I called them and asked if this was my money to withdraw to my checking account. This conversation was had both on virtual chat and over the phone for confirmation. The answer both times was yes. However I wasn't able to do it myself they had to transfer. So I provided my account info and in 3-5 days the money was in my account which we used to pay off unwanted debt. 

1-2 weeks later I got a notification on my phone of over balance. I looked at my app and there was a balance of over - $ XXXX!!. 

I called Discover and they said my case was opened back up and all deposits had been unwound. 

After endless calls in to Discover. Some being very helpful and others just being told there is nothing they can do. We are at a loss. 

It's almost a year later and they are now saying there is nothing I can do all the money is my responsibility and they won't open it back up. 

We filed a police report right at the start as instructed. The person was arrested with video evidence and still awaiting federal charges and trail. Both the courts and Sherriff have been in contact with Discover and Discover have confirmed this. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX, Pending ( active ) Reference Case cross references Prosecutor Case Management XXXX Police Agency XXXX As we sit I have a $ XXXX balance on my credit card with a $ XXXX limit. My credit is shot and I'm making {$500.00} - $ XXXX monthly payments on money I NEVER spent!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/ I lived In XXXX XXXX XXXX During covid, during that time they changed owners three four times. During those times they stopped fixing everything they had no pest control let trash pile up and every time it was a new owner, they kept claiming people owed amounts that they did not. So, we were trying to do a community lawsuit, so I stopped paying rent. I had a leak in my apartment for months, my bathtub rusted the only thing they did was spray paint the wall to cover up the leaking down the wall, and spray painted the bathtub to cover up rust and got spray paint all over the wall, the employees in the office was stealing packages. We complained to state and I filed an answer in court but when I moved I wasn't aware of the court date. Now they created false charges for things they never did they never did the only amount I owe them no where near XXXX dollars they are creating fake charges I have pictures to prove and emails. It was horrible

Company response to consumer: Closed with explanation