BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-19
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: 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 that I have the right to privacy.

15 U.S.C. 1681 section 602 A. Section 2 : It 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 items of information, other than records of conviction of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
The following debt collection companies thats currently listed on my Trans Union, XXXX and XXXX credit report has been using abusive, unfair and deceptive practices and tactics to collect a debt on accounts thats not my account or debts and is the result of identity : XXXX XXXX XXXX, {$140.00}, XXXX XXXX, {$500.00}, XXXX XXXX {$640.00}, XXXX XXXX XXXX XXXX, {$700.00} and XXXX XXXX XXXX, {$3800.00}. The above debt collection companies is in violation of the Fair Debt Collection Practices Act ( FDCPA )

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 2023-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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. ( XXXX XXXX - XXXX ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy.

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

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 2022-11-19
Company: SHABANA MOTORS
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/XXXX of 2022 someone used my identity to get a loan for a car I want to request the title and my money back as of code 15 us 1635, code 15 us 1605, code 15 us 1662 and code 18 us 1028a in the truth in lending act regulation z 15 USC 6801 15 USC 6802 15 usc 6803 15 usc 1681b 15 usc 1681n 15 usc 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I already sent a letter to the creditors asking to remove these Late Payments they have not abiaded by what i have requested they also Violated my Consumer Law they didnt give me the option to Opt-Out according to this information reporting to a Third party. 
So the Following Accounts Have Violated my rights Law states that its Ilegal to Report Late Payments on a Consumer Credti Report. These are the Following Accounts : Credtiors Name : Acct Number : Dates : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX / XXXX XXXX XXXX Dates Open : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; 15 USC 1666b : Timing of payments a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any 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 explanation
Consumer complaint received 2022-12-09
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:
I reached out to the Bureaus on XX/XX/XXXX regarding the XXXX XXXX XXXX. This item is outdated and needs to be removed from my credit profile. According to the FCRA negative and closed accounts can remain on a credit report 7 years after the date of the first delinquency. According to my records this account became delinquent XX/XX/XXXX it is now XX/XX/XXXX this account is outdated and needs to be removed from my credit report. As a consumer I have the right to a credit report that is 100 % accurate. XXXX, XXXX, and Transunion all have guidelines that they must follow according to the FCRA. I have also reached out directly to the original Creditor about this matter. I understand that mistakes can happen but I expect each Bureau to make this right. Removed this outdated account from my profile. I am in the market for a new home and my credit report is important to me. I expect each Bureau to remove this outdated account from my credit profile IMMEDIATLEY!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Williams & Fudge, Inc
State: NC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I was called by XXXX XXXX this morning at XXXX. He was incredibly rude asking me to settle my debt with my university. He called me irresponsible multiple times and kept saying that I didnt know what I was talking about. When I called back to make a complaint, I spoke to his manager XXXX XXXX ( sp? ). This was at XXXX. She was also unhelpful and dishonest. Multiple times she said she hadnt heard the call and would need to review. Then she slipped and quoted XXXX verbatim and tried to say shed just walked by his desk. She also said that she didnt understand what else he was supposed to call me besides irresponsible because I wasnt taking any of the options I was given. If William & Fudge want to collect debts for companies, they need to have a little more tact. Lecturing people and insulting them must be the business model but I cant see how it benefits anyone. Ill be posting this review literally anywhere I can find William and Fudge listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
TD Card Services charged my checking account for the full balance on a balance transfer of 2 months earlier via their balky and confusing digital payment website. Why would I transfer a XXXX balance XXXX a 3 % fee only to pay it off 2 months later. I made it clear when bal xfer was done I intended to pay it down at $ 100 monthly. After the XXXX XXXX worked as intended they charged the full balance in month XXXX against my checking account. I have spent many hours, incl multiple XXXX minute wait times to reach them, to explain and have this matter resolved. They agreed to reverse the full pmt, only to treat it as a new purchase rather than the transfer incurring XXXX interest thru XX/XX/2023. 
The whole experience was a nightmare of failures on their part to correct the problem. I have finally resolved to pay of the amount remaining that I borrowed less all fees and interest they have charge over the last XXXX 9 months. 
This due to the many hours of my time and aggravation getting a fair resolution of the matter, which they have refused to do. I will mail the full payoff on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: Homestead Title Abstract Agency Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
In XXXX XXXX we received an email with personal information making us believe it was XXXX XXXX XXXX with wire instructions to complete the closing cost via wire transfer. When calling XXXX XXXX XXXX to verify the amount and confirm wiring information, I was told the amount again with no reason to believe this was not the true wire instructions. At the title company, XXXX confirmed the wire stating they received it. After an email again was sent stating the account was closed, XXXX confirmed it was a scam and couldnt tell me if their systems were involved in a hack. Within the hour, we notified XXXX XXXX to recall the wire and nobody at the local branch was able to do it. Wasting precious time to initiate the kill chain. I contacted the FBI and they froze the money but XXXX XXXX has not been for coming or helpful and states the money has been lost even with multiple red flags on the account the money was wired to.

Company response to consumer: Untimely response
Consumer complaint received 2023-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act ( FCRA ), Account Name : XXXX XXXX with the account number : XXXX has violated my rights The violation occurred as follows : 1. 15 U.S.C 1681 Section 602 A : Right to Privacy The FCRA grants me the right to privacy regarding my credit information. It has come to my attention that the handling of my personal and credit information associated with my XXXX XXXX account has breached this right. I request that you review the privacy aspects related to this account. 

2. 15 U.S.C 1681 Section 604 A Section 2 : Written Instructions Requirement As per the FCRA, a consumer reporting agency can not furnish account information without my written instructions. I have not provided any written instructions authorizing the furnishing of information regarding my XXXX XXXX account. Therefore, I urge you to investigate the source of this information and take appropriate action to rectify this violation.

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 2023-01-19
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:
I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited 30 days and received my investigation and noticed that everything was still the same. The consumer reporting agency which is Equifax did not modify or remove anything. 

The date open is not correct, the date active is not correct on all 3 credit reports, date of last payment is not correct on three credit reports Which is a violation. This is impacting me from moving forward to buying a house for my family. 

I attached all 3 credit reports to show the discrepancies and on how Equifax violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: PNC Bank N.A.
State: CA
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:
Covid 19 pandemic started and I received a phone call offering partially differed payments during the pandemic. I thought that they would last the time of the pandemic. it was not made clear to me that they would only last 3 months. After such time I continued with the partial payment when full payments have been needed. Then XX/XX/2020 hit - I missed a full payment. In XXXX I attempted to pay the full balance owed ( missed paymentsXXXX XXXX payments ). I was on the phone with a customer service rep- I waited on the phone until it cleared the banks with her. We had made two separate transactions to be sure that pnc did not confuse the XXXX payment as just paying off the principal. After two weeks of it being withdrawn from my account and it was there in the pnc hands. It was returned. I received no notice that it was returned and the account it was returned too got hit for an XXXX XXXX fee and I no longer had the full amount and they would not accept any less. I waited another month XXXX XXXX as soon as the money hit my account I immediately used XXXX XXXX bill pay to send it to pnc. It was a Thursday and a long XXXX XXXX XXXX  was approaching. My bill was due on the XXXX? I called and told them everything I had done and that XXXX XXXX estimated that it would arrive before the XXXX but I wanted to assure them it was in-fact on the way. I did this with three different customer service reps to be sure it was noted on my account. I was lied to and told I had nothing to worry about. 

My truck was taken on a XXXX XXXX at XXXX no warning, no note or letter from the bank I wasnt even there to see it happen. The bank isnt even open to give the order to repossess nor were they open to process my payment. They were also closed the next day for XXXX XXXX. My check was processed that XXXX XXXX. I received a letter on Thursday that it had been repossessed. Since the police had no knowledge of a repossession in the area happening, the bank claimed to not have taken it and my truck had been taken I had reported it to my insurance company as stolen. I now pay more in insurance due to the bank lying to me about reposession. It took over a week to even find my truck. And the bank finally put me into contact with the right department. I spent nearly XXXX dollars getting a damaged truck back. I continue to pay double insurance premiums due to the bank mis handling my account. I have reported to XXXX  and made complaints with PNC. Pnc has told me they are not at fault. I did everything I could. I feel as though this is not my fault and is on my credit report. Its blocking me from getting a new credit card, refinancing my truck loan, purchasing a house. At the time of repossession my truck was worth more than I payed for it. I believe they were trying to make money off my loan

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: WLCC
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
XX/XX/XXXX. The company put the amount of {$600.00} direct to my account without signing up on the company. Starting XX/XX/XXXX they start deducting {$190.00}, XX/XX/XXXX {$190.00}, XX/XX/XXXX {$190.00}, XX/XX/XXXX {$190.00}, XX/XX/XXXX {$190.00}, XX/XX/XXXX XXXX. They still want me to pay {$770.00}. They automatically put {$600.00} in my checking account without signing on their website but my mistake I use the money which I pay automatically deducted on my checking but the problem is they want to pay me more than I owed. This is the company phone XXXX. Thank you. Im going to get a in my bank the statements to provide evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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 got a inquiry about a credit card I didnt apply for from capital one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
There are inquiries i dont recognize on my report XXXX XXXX XXXX Auto Financing XX/XX/2023 XXXX XXXX XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX - XX/XX/2023 XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  Auto Financing XX/XX/2023 XXXX XXXXXXXX XXXX XXXX XXXX  Auto Financing XX/XX/2023 XXXXXXXX XXXX XXXX  Auto Financing XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/2023 TransUnion XXXX Auto Financing XX/XX/2023 TransUnion XXXX Auto Loans XX/XX/2023 TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2023 TransUnion XXXX XXXX Auto Loans XX/XX/2023

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 2023-01-19
Company: Experian Information Solutions Inc.
State: NY
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:
I have sent several correspondence to this companies with no response its past the 30 day mark and yet no replies, pursuant to the privacy act of 1974, my federally protected rights are being violated by the credit Reporting agencies. According to 15 USC 1681b I demand all this inaccuracies be deleted off my file. see the attached Documents for all other information regarding this issues.

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 2023-07-01
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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-02-16
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:
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 Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX CARD Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with explanation