BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-31
Company: Bridgecrest Acceptance Corporation
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a loan with I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. As you can see, I have always had a stellar payment record with these companies. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate thoroughly and please update for 100 % accuracy. Below are the following accounts with erroneous information. 
BRIDGECREST XXXX XXXX XXXX XXXX XXXX There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received a call for merchant adjustment service around XXXX XXXX XX/XX/XXXX about a medical debt. I didn't consent to this debt collector to my personal. The lady that called me threatened me that if I didn't pay the debt, they were going to pursue legal action and offered me to pay only 20 %. Under 15 USC 1692 ( I ) Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. Merchant adjustment service is also in violation of 18 USC 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on an alleged debt not owned. As I stated above, I don't consent to merchant adjustment service to having my personal medical information or permission to have my personal identifying information, which you obtained by aggravated identity theft in accordance with 18 USC 1028 ( a ). Cease and desist all illegal activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: Waypoint Resource Group, LLC
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: Report provided to employer without your written authorization

Complaint:
WAYPOINT RESOURCE GROUP has been reporting fraudulent, and unauthorized information to credit bureau ( s ) since XX/XX/2018. I see the creditor reporting for $ XXXX.All is unauthorized use of my trade name that is registered within my state of birth. Also they continue to utilize my copyrighted material, & trade name although they were sent written notice for verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please be advised that Notice to Principal is Notice to Agent and Notice to Agent is Notice to Principal. 
After reviewing my consumer report it has come to my attention that you are reporting adverse inaccurate information on my consumer report. Please be advised that you are hereby on Notice pursuant to 15 U.S. Code 1681s2 and U.S. Code 1681.

You are reporting information on my consumer report which is inaccurate. You are reportinng information as charge off debt, however, according to IRS Publication 4681 charged off or canceled debt is considered taxable income, and pursuant to 15 U.S. Code 1681 income is not included in a consumer report. 

You are reporting the following inaccurate information : 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 According to IRS Publication 4681 and IRS Instruction for Forms 1099-C even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. Further, pursuant to 15 U.S. Code 1681 the term consumer report does not include the reporting of income.

You have failed to comply with your responsibilities under 15 U.S. Code 1681s2 and are in direct violation of 15 U.S. Code 6802 by disclosing my personal information on my consumer report without my permission or permissible purpose.

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 2023-02-13
Company: Experian Information Solutions Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I, XXXX XXXX XXXX, have recently discovered that I have been a victim of identity theft. Below are the incorrect transactions or experiences that I was not aware of being reported to my consumer report, nor did I give my expressed consent to allow such reporting. I was not the beneficiary in the inquiries listed below and on my consumer report and was unaware of such inquiries until now. The transactions/experiences as well as the incorrect personal information is to be deleted from my consumer report as it is damaging my reputation and alters my being able to provide for my family. 

Please remove and delete the following transactions/experiences : 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  ( late payments reported on XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXXXXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX, XXXX XXXX XXXX ( late payment reported XX/XX/XXXX ) Erroneous Names & Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX 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 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX : XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX have 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 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 2023-06-25
Company: Experian Information Solutions Inc.
State: NM
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. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company 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 2022-02-19
Company: BMW Financial Services NA, LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Hello. I purchased XXXX BMW XXXX ( XXXX ending XXXX ) from XXXX XXXX XXXX on XX/XX/XXXX. Total amount that have been financed ( by BMW Financial Services, account ending XXXX ) {$94000.00}. During a car purchase XXXX purchase also XXXX protection. On XX/XX/XXXX comprehensive damage occurred. XXXX XXXX XXXX decide that it is a total loss claim and issued XXXX checks to the lender, that have been cleared on XX/XX/XXXX ( per XXXX XXXX XXXX, claim # XXXX ) for the total amount of {$73000.00}. During the XXXX XXXX XXXX claim process I contacted XXXX insurance in order to check step for the process. They said that claim will be opened automatically as soon as XXXX XXXX XXXX will close their part and pay to lender. XXXX claim have been initiated on XX/XX/XXXX ( claim # XXXX ) on the amount of {$18000.00}. XXXX XXXX issued credentials for their portal to me, where I found requirements. They asked me to upload some documents and I did. However, XXXX of the document : XXXX XXXX have been rejected. XXXX XXXX have been prepared by XXXX XXXX XXXX company and I upload it into XXXX XXXX so many times. However it still rejected. I called them many times but XXXX associates mention that XXXX XXXX doesn't meet certain requirements. And didn't clarify what these requirements are. On XX/XX/XXXX I got email from XXXX XXXX XXXX XXXX associate with request to contact them regarding my GAP claim. I reply back, and asked who is this company because my GAP agreement was with BMW. They said that XXXX XXXX XXXX is actual GAP insurance company and I have to call and talk to them. I called them, they said that the problem is in amount in XXXX they got from XXXX XXXX XXXX and the actual checks that have been issued. I asked them if they can provide any documentation to me, copy of checks, anything, they denied my request and said I have to contact XXXX XXXX insurance. I called XXXX XXXX XXXX and talk to them again, they confirmed all previous information and mention that both checks have been cleared on XX/XX/XXXX. On XX/XX/XXXX I got email with letter from BMW Financial Services that my due balance {$18000.00} and I need to make payment immediately. On XX/XX/XXXX I initiate conference call between XXXX XXXX agent, me and XXXX company. XXXX XXXX XXXX representative again confirmed all information, all numbers and dates and sent XXXX XXXX again directly to emails that he had for them. XXXX agent refused to provide any contact information for management, or adjuster/investigator who work on my claim, and said they don't have phones. 
Till this day nothing changed. I'm trying to find a solution on that situation. 
All documents and email chains contain my personal information. I don't upload it right now, please let me know if I need to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: HYUNDAI CAPITAL AMERICA
State: CT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I purchased my XXXX Kia XXXX outright at the end of the lease in XX/XX/XXXX and since it was titled in KIA Motors name they cancelled the registration and I was charged for new registration as proof in car purchase terms. I received a bill from Kia in XX/XX/XXXX for taxes for XXXX  year and I paid with check XXXX XX/XX/XXXXXXXX  for {$630.00} ( proof of check and cashed by KM ) then I received a tax bill from XXXX XXXX indicating I owed taxes for XXXX and if not paid then registration would be canceled. I paid again to them directly with check XXXX. I was told Kia never paid taxes but due to vehicle being in their name I couldnt check. I have tried numerous times with Kia to resolve without anything. They keep telling me different ways to resolve - last time was proof I turned in plates but I kept the plates as was given option and still on vehicle - registration is in my names I have submitted proof of all cancelled checks and correspondence and letters which they have failed to refund for paying taxes twice for same year and same vehicle.

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 2022-11-30
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:
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 corrected for erroneous reporting in my file 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

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 2022-10-31
Company: EQUIFAX, 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:
Please be advised that Notice to Principal is Notice to Agent and Notice to Agent is Notice to Principal. 
After reviewing my consumer report it has come to my attention that you are reporting adverse inaccurate information on my consumer report. Please be advised that you are hereby on Notice pursuant to 15 U.S. Code 1681s2 and U.S. Code 1681.

You are reporting information on my consumer report which is inaccurate. You are reportinng information as charge off debt, however, according to IRS Publication 4681 charged off or canceled debt is considered taxable income, and pursuant to 15 U.S. Code 1681 income is not included in a consumer report. 

You are reporting the following inaccurate information 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} According to IRS Publication 4681 and IRS Instruction for Forms 1099-C even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. Further, pursuant to 15 U.S. Code 1681 the term consumer report does not include the reporting of income.

You have failed to comply with your responsibilities under 15 U.S. Code 1681s2 and are in direct violation of 15 U.S. Code 6802 by disclosing my personal information on my consumer report without my permission or permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Experian Information Solutions Inc.
State: TN
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:
On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Highest Balance : {$46000.00} ), XXXX XXXX XXXX  ( Account Number XXXX, Open Date XX/XX/XXXX, Highest Balance : {$1000.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$16000.00} ), XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$16000.00} ), XXXX XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$31000.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal 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 explanation
Consumer complaint received 2022-10-31
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Experian Information Solutions Inc.
State: MO
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 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 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 2021-12-03
Company: WELLS FARGO & COMPANY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Opened the account when I was in the US on vacation, with my passport that my International Cellphone. For two years I had no issues with the navigation of the account, via my online access. Suddenly Wells Fargo locked me out of my account, due to alleged " non-activity '' on the account. This was during 2020. 

I made contact with them at the call centre and explained that I'm not in the US, due to travel restrictions, and as this account was for when I travel to the US, there would be very little activity on the account. 

It was at this time that the bank started refusing to help me stating I do not have a US Cell Number. This was never disclosed to me when I opened the account, nor was this disclosed to me during the first two years of using the account, that a US Cell Number was mandatory to keep the account or have an active account. 

So, to try to get access to my account, then I got a US Number, at a financial expense to me, and I then tried to add that number to my account. Then the excuse from the bank was that it was not the " right '' type of US number. 

Trying to fix this for almost TWO years now, I finally asked them to close the account, transfer out the funds to my XXXX XXXX Banking account. 

They then again refused, stating that I need to send a closure form, and POST the document to them, from outside the US. 

This is just not possible at the moment, and any post that is moving around the world take up to three months to get to a US destination. Not today I got an Email dated XXXX - stating the account is now closed, but no funds have been transferred and I can not contact the bank. The Bank has now stolen my funds. 

All I needed was the account to be Close and the Funds transferred into my XXXX account.

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 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please be advised that Notice to Principal is Notice to Agent and Notice to Agent is Notice to Principal. 
After reviewing my consumer report it has come to my attention that you are reporting adverse inaccurate information on my consumer report. Please be advised that you are hereby on Notice pursuant to 15 U.S. Code 1681s2 and U.S. Code 1681.

You are reporting information on my consumer report which is inaccurate. You are reportinng information as charge off debt, however according to IRS Publication 4681 charged off or cancelled debt is considered taxable income and pursuant to 15 U.S. Code 1681 income is not included in a consumer report. 

You are reporting the following inaccurate information : 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 According to IRS Publication 4681 and IRS Instruction for Forms 1099-C even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. Further, pursuant to 15 U.S. Code 1681 the term consumer report does not include the reporting of income.

You have failed to comply with your responsibilities under 15 U.S. Code 1681s2 and are in direct violation of 15 U.S. Code 6802 by disclosing my personal information on my consumer report without my permission or permissible purpose.

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