BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-11
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:
15 UCS 1681 SECTION 602 states, I XXXX XXXX, have a basic right of citizenship secured by the Privileges and Immunities Clause of the Fourteenth Amendment to the United States Constitution and she is a protected member of the XXXX XXXX and XXXX XXXX, who enjoys the status of being a freeman, which implies that her non-trivial and protected liberty interests and rights which she has a legitimate claim of entitlement to are recognized, therefore, she retains, invokes and demands enforcement of her federal and statutory constitutional rights ), particularly her Right to Privacy, Right to Due Process and Right to Equal Protection of the Law. She alleges that each and every entity, company, corporation, organization or establishment listed on her credit report have XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXd, and violated her Right to Privacy ( the Constitution of the State of Florida, Article 1 Section 23 ) which is protected in the Fourth Amendment to the United States Constitution, the Right to Due Process ( the Constitution of the State of Florida, Article 1 Section 9 ) and the Right to Equal Protection of the Law ( the Constitution of the State of Florida, Article 1 Section 2 ) and they're both protected in the Fourteenth Amendment to the United States Constitution as well as vested and protected non-trivial liberty interests in freedom from bodily injury ( including shock, fright, mental anguish, and humiliation which were clearly established or securely set and easily recognizable at the time of the incidents that any reasonably objective person of ordinary prudence, care, and caution would have known.

15 USC 1681 Section 606 A Section 2 states, " A consumer reporting agency can not furnish an account without my written instructions '', and I have never willingly, knowingly, and voluntarily provided any entity, company, corporation, organization or establishment with the required or necessary documentation giving any kind of instruction or contains my authorization and approval.

Furthermore, for accounts pertaining to credit cards 15 USC 1666B states, " A Creditor may not treat a credit card account under an opened consumer credit plan as late for that purpose. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
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 status incorrect

Complaint:
I have recently pulled my credit report and saw that there are items being reported that I am not aware of, below are the items appearing ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As per 15 US Code 1666B this is clearly a billing error and needs to be updated on my 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 non-monetary relief
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed account claiming that the information they present is accurate, with which I greatly disagree. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. I need the account corrected as soon as possible : XXXX XXXXXXXX

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 2022-12-20
Company: Paramount GR Holdings, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
Financed solar panels and extra $ to reroof and XXXX, after panels were installed XXXXXXXX XXXX XXXX  XXXX tx kept the remaining money and have not done any other work thats specified on the contract. Goodleap ( lender ) is not assisting in getting contractor to respond or complete work or cut check so I can complete the work myself with another contractor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: HYUNDAI CAPITAL AMERICA
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My car was repossessed on XX/XX/2023 without prior notice. According to Wisconsin state law, the lender is required to provide a 15 day notice prior to repossessing the vehicle. Hyundai Motor Finance did not provide a 15 day notice. My car was also damaged during the repo process. I filed bankruptcy, but the case has since been dismissed. Theyre threatening to repossess once again, but I have received no 15 day notice once again or anything in writing.

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 2023-08-22
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Problem with personal statement of dispute

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. 

I told the XXXX, XXXX and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 I ( 5 ) they are supposed to modify accounts that isnt reporting correctly.

15 U.S.C 1681 Section 602 A. States I have the rights 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 or 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. 

Also they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: SUN WEST MORTGAGE COMPANY, 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 status incorrect

Complaint:
After reviewing my consumer report, I discovered erroneous account information indicating late payment that is not associated with me. I did not authorize the reporting of this information on my credit record, and it is negatively impacting my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Incomm Holdings Inc.
State: NC
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received this VanillaGift as a gift and when I opened it, the card numbers were scratched off on the front. I can see the first XXXX digits and the expiration date, but nothing else. The back information is fine. 

I tried to contact VanillaGifts phone number ( XX/XX/11 ) and finally, after going through the automated service, they connected me to a customer service rep. The rep is requiring my name, phone number, email address, and mailing address, I assume to mail me a new card ( did not say ). 
They also went on to say they need pictures of : The front and back of my photo ID The front and back of the gift card The receipt, which I do not have since it was a gift. 

This is crazy and XXXX cant even use the various serial numbers or bar code on the back of this card to provide any information. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: J. Ritter Law P.C.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
XXXX from J Ritter Law Firm keeps calling me claiming to be a debt collector, asking me to pay a debt allegedly from my old university bookstore. They sent me a letter months ago ( XXXX of XXXX, I think ). When I didnt respond in writing, they started calling me ( sometime in XXXX XXXX XXXX  ). I know I dont owe this debt. When I ran my credit and the debt did not show up on my credit report, I was finally sure J Ritter was a scam. Theyve called saying I have a case against me, mentioned appearing in court. I called my university bookstore today. The bookstore staff agreed that J Ritter sounds suspicious. Further, the dates of these letters and phone calls dont line up with my time at the university over a year after leaving the school. 

To date, Ive received no notice from the university or its bookstore about any debt owed/missing book. I didnt give XXXX any personal info, just confirmed that they can call me back at the number they keep calling. Told them I would confirm the debt with my school first, just to be sure. XXXX said he would call me again if he doesnt hear from me by the end of the week. This is obviously a scam, but I dont know what good it will do to tell them, Youre a scammer. Dont call here again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: U.S. BANCORP
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX XXXX XXXX sent a settlement payment of {$3700.00} to my US Bank safe debit account ending in... XXXX. Attached screenshot shows that as of today US Bank shows the available balance as of XX/XX/XXXX at XXXX XXXX  ( the time of this submission ) is {$3600.00}. Since XX/XX/XXXX, almost a month from today, I have attempted to pay my bills using my available funds and the bank has refused to cover my bills or allow that I withdraw my funds. On my last call with US Bank fraud and dispute center I was told that as of XX/XX/XXXX I would receive a letter indicating when a money order was going to be sent to me. As of today, I have not received any communication from US Bank with regards to the settlement payment of {$3700.00}. I have fallen behind on my car payments, all of my credit card payments, my rent, insurance and are on the verge of having my credit record affected by late payment reports. I have went to local branch, I have talked to numerous departments at the US Bank, I have called corporate office and once the representatives on the phone realize that they don't have answers for my funds being held up by the bank, the representatives hang up the call. 

This has caused me XXXX, depression, emotional distress, financial burden, and is severely affecting my emotional, mental and physical health. 

I would like to request immediate resolution to my problem as I can no longer handle dealing with the US Bank on this issue as I don't believe it is their intent to release my funds.

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 2023-08-17
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I recently made a deposit into my business account and waited for the deposit to clear. The deposit has cleared and US Bank is refusing to allow me access to my funds. Ive called multiple times trying to figure out the reason but they are not giving me any clarity on the situation. Ive spoken to XXXX from the US Bank Online Banking department and have asked multiple times to speak with a manager but to no avail. Why can US Bank restrict me access to my accounts for no reason? I have been on the phone for the past few hours and getting no information to help me solve this problem! I have received no type of corresponds informing me of anything that is happening.

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 2023-08-17
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-17
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
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 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.

The letters are stated with items and issues.

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 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 2023-08-15
Company: EQUIFAX, INC.
State: NV
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 XXXXXXXX, 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 non-monetary relief
Consumer complaint received 2024-01-04
Company: January Technologies, Inc
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Subject : Cease and Desist Communication and Unlawful Use of Personal Information Dear January Technologies Inc, I am writing to express my deep concern and dissatisfaction regarding your persistent and unlawful attempts to collect a debt account login XXXX that has been legally canceled through a 1099-C form. Your repeated contact, despite the cancellation and lack of obligation on my part to pay, constitutes a clear violation of my rights under both federal and state laws. 

Your collection efforts have extended beyond acceptable practices, involving the illegal collection of my nonpublic personal information with my consent. This is a direct breach of trust and a violation of my rights as a consumer under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the South Carolina Consumer Protection Code, SC XXXX XXXX. XXXX. 

I demand that you cease and desist all communication with me immediately, as I explicitly do not authorize any further contact or use of my personal information for debt collection purposes. Furthermore, I insist that you comply with the following legal requirements : 1. **Fair Debt Collection Practices Act ( FDCPA ) : ** Cease all communication and collection activities, as the debt in question has been legally canceled, and your continued efforts violate the FDCPA. 

2. XXXXSouth Carolina Consumer Protection Code ( SC XXXX XXXX XXXX XXXX ) : ** Your actions are in direct violation of this code, which prohibits deceptive or unconscionable collection practices. 

3. **Illegal Use of Personal Information : ** The unauthorized collection and use of my nonpublic personal information violate federal and state privacy laws, including to the Gramm-Leach-Bliley Act ( GLBA ) and the South Carolina Data Breach Notification Act . 

I request that you provide a comprehensive explanation of how you acquired my nonpublic personal information. Failure to comply with this request and the cease and desist directive within 15 days from the receipt of this letter will leave me with no option but to pursue legal remedies available under the FDCPA and other applicable laws. 

Your prompt attention to this matter is expected, and I anticipate your full compliance with the law. A copy of this letter will be sent to my states attorney generals office and FTC report will be filled as well to ensure your compliance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
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:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate. Due to your lack of response, or a response that I classify as frivolous, 3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of account : XXXX XXXX XXXX XXXX XXXX {$3600.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX ; XXXX XXXX Balance : XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief