BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number XXXX XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : 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 2023-06-09
Company: EQUIFAX, INC.
State: AR
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 for you to notify some inaccurate information on my credit file that was still reported. I found out that some are incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 2 credit bureaus to validate this account ( A ) .Kindly provide any proof specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$30000.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: FIRST CITIZENS BANCSHARES, INC.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
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 inherited a mobile home park when my mom passed away XX/XX/XXXX. 
I have a mobile home that is a XXXX XXXX, XXXX number : XXXX, XXXX. This home was bought my my dad who passed away in XXXX. The bank was XXXX  XXXX XXXX in XXXX Va. This bank has closed and or bought out by First Citizens Bank & Trust out of XXXX NC in XXXX. 

Their phone number is XXXX. 
Fax number XXXX. 
I need a lien release on this home so I can get a title. 
I faxed all paperwork to First Citizens last XXXX. I have not received a call or email. 
My email address is : XXXX My phone number is XXXX My name is : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Experian Information Solutions Inc.
State: MI
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 XXXX XXXX XXXX. XXXX XXXX XXXX. State of mi office chi 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 non-monetary relief
Consumer complaint received 2022-11-01
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX was transferred on XX/XX/XXXX to XXXX in the amount of {$8000.00}. On XX/XX/XXXX I paid XXXX {$4000.00} and the remaining balance of {$4000.00} on XXXX. To date the {$8000.00} is still reflected on my credit report as being owed to XXXX. 

I spoke to XXXX XXXX several times with the latest being on XX/XX/XXXX and was advised that once XXXX reports that the balance will fall off my report. However, I last spoke to XXXX on XX/XX/XXXX and was advised that them reporting would have no impact on the XXXX  XXXX balance. As of XXXX when I last spoke to XXXX they state that they have reported to all credit agencies. The report is not reflected on my Equifax report. The XXXX solution department advised that there was nothing they can do to further assist me. 

I have also disputed this balance 4 times and everytime the credit agency sends back that the balance is correct. The Equifax stated that there is nothing they can do even though I have provided all the proof. XXXX states there is nothing they can do because they have reported the zero balance. I am stuck between these 2 companies and need help resolving.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
IMPORTANT : I have recently looked at my credit report & noticed that there's numerous fraudulent accounts. I have contacted equifax over 40 days ago. I also placed a police report and FTC affidavit all by XX/XX/2023. Equifax have only responded back stating that they are only going to place a block on my credit report but they did not remove the fraudulent accounts. This have been a disregard of federal laws not responded of an investigation in 40 days. This have negatively impacted my credit and life. Please remove following accounts XXXX XXXX XXXX/ acct # XXXX XXXX/ acct # XXXX XXXX XXXX/ acct XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
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: Information belongs to someone else

Complaint:
I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items, listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$5600.00} XXXXXXXX XXXX  XXXX Balance : {$5500.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$2900.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} 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 explanation
Consumer complaint received 2021-01-13
Company: EQUIFAX, INC.
State: NC
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:
Ive always kept up with my credit report and ensured I made responsible decisions with my credit. Im still in disbelief that someone was able to take out car loans and credit cards in my name. Losing my job due to the pandemic, my identity being stolen, my credit greatly impacted, and my family passing away due to XXXX has impacted me heavily. Please help me get my life back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notification that a collection account was listed on my credit reports by Capio Partners. As a result of that notification, I contacted Capio Partners and spoke with XXXX who advised that the debt was owed by me and the only thing they could provide was a copy of the statements. I explained that I never received treatment from this facility nor have I ever conducted business with the organization they purchased the account from. XXXX transferred me to XXXX ( XXXX XXXX ) who advised that because I am stating the services were not received by me, they are unable to provide any information regarding this account because I was not the patient. After threatening legal action, I was advised by XXXX that the information would be deleted as a courtesy from the credit bureaus within 30 days but may be sooner as they update weekly with the bureaus. XXXX advised that I am still obligated to the debt until I provide a police report. 

Blossom advised me to follow up with an email to XXXX and reference account number XXXX for any further inquiries. 

Complaint is being filed with the CFPB to document the incident.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-25
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Santander has been involved in a class action lawsuit based on consumer records from XXXX loan was started in XXXX and I show no accurate reports of my Loan being reported on my report from the time it was started. Loans that were open between this time should have qualified for a class action lawsuit on predatory lending. I have been hit with a large amount in interest on a loan that should have been paid off this year but instead I have been a victim of predatory lending making it impossible to pay off my car loan. 
Georgia Attorney General XXXX XXXX stated Santander " violated consumer protection laws by exposing subprime consumers to unnecessarily high levels of risk and knowingly placing these consumers into auto loans with a high probability of default. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: EQUIFAX, 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I have a 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. 1681 c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer repot containing any of the following items of information Any other adverse items of information, other than record of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681 s-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 2022-11-01
Company: General Motors Financial Company, Inc.
State: CA
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:
On about XX/XX/XXXX I discovered that my payment for GM financial had not been applied. I was surprised because I had been up to date until XX/XX/XXXX and was on autopay. As soon as I realized that I had a payment due, I paid it. I've been attempting to find out what happened with my autopay and why I was reported so quickly to the credit bureaus. I've called XXXX twice, on XX/XX/XXXX and on XX/XX/XXXX to attempt to have the XXXX XXXX  late notice removed from my credit. They've told me that they don't have a way to fix this issue and that I have to go through the credit bureau 's to have the XXXX XXXX late notice removed from my credit. I've attempted what GM Financial suggested and that has not worked. Ideally I was hoping to fix this issue with XXXX XXXX about this issue but they have stonewalled through their customer service. They don't have a mechanism to solve this kind of credit reporting issue. 

I don't understand how they quickly report that someone is late with payment without having a mechanism to help fix this issue. But also that they didn't give me much of a chance to fix this issue with them. I only discovered the issue after seeing that my XXXX XXXX had decreased. I don't think it's fair that they didn't communicate with me at all but quickly reported that I was late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: ERC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My service ended with XXXX XXXX on XXXX XXXX and my XXXX XXXX took over service with a new box on XXXX but at the same location. I was given the box by my adult son XXXX XXXX XXXX and promptly returned it on XXXX XXXXXXXX XXXX after the holiday. Returned in to the XXXX store and was told my account was paid in full. Then in XX/XX/XXXX I received a notice from a collection agency for {$70.00} which I preceded to go to XXXX different XXXX stores to dispute that I did not owe that amount and they were trying to charge me for service from XXXX XXXX XXXX where they were already charging my XXXX XXXX for the same service at the same address. I sent the collection agency all the paperwork and thought it was over but then they turned me over to another collection agency in XX/XX/XXXX and I tried to speak with a supervisor at XXXX and after talking to and explaining to the representative she placed me on hold several times for over XXXX XXXX and then transferred me finally to a supervisor where the phone line rang XXXX times without anyone answering and then the phone went dead. Then preceded to send the same documentation to this agency and thought the matter was resolved. Then XX/XX/XXXX received a letter from the XXXX different agency and tried calling but was ignored and harassed for payment. I've spent numerous hours proving that it is illegal for them to charge XXXX different people for service at the same address, especially since I had not lived there at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXXXXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX, VA XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$22000.00} ; XXXX XXXX XXXX XXXX XXXX : {$8900.00} ; XXXX XXXX XXXX Owed : {$4100.00} ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXXBalance Owed XXXX {$550.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed : {$1800.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$160.00} ; XXXX ( OriginalCreditor : XXXX ) XXXX Balance Owed : {$2300.00} ; XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXXXXXX Balance Owed : {$1900.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2021-01-13
Company: HYUNDAI CAPITAL AMERICA
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
We brought a vehicle back in XX/XX/XXXX. Our son totaled the car months later. Insurance was paid to cover a portion of the vehicle ( ~ $ XXXX ). GAP was to pay their portion ( {$870.00} ) and we were supposed to the remaining amount ( {$270.00} ). However, my son made another payment based on the letter he received in XX/XX/XXXX informing us of the balance. That being said there were issues internally where the money from GAP did not get transferred in time and the account was charged off. As you can imagine our credit score was shredded by over 100 points. 

XXXX XXXX agreed that this was their mistake ( " we take full responsibility '' ) as of XX/XX/XXXX ( my wife 's birthday ) but has shown no urgency in making things right. I have personally been dealing with XXXX XXXX of XXXX XXXX ( dealership we purchased the car - in fact we bought 2 cars ). 

XX/XX/XXXX ( XXXX ) : In an email thread between XXXX XXXX and XXXX XXXX there was a procedure referenced that informed us the steps that would be taken to fix our credit. This is the exact verbiage - Hey XXXX, The account shows {$0.00} balance as of XX/XX/XXXX. 

Once the dispute letter is received and reviewed by the Credit Dispute group, if approved they will notify the customer and all 3 bureaus with an AUD number. The AUD number is the control number/confirmation number where a lender authorizes an edit to the customers credit report. The bureaus will then make the changes. The changes, we are told, typically take 60 90days. If a customer calls the bureau directly with their AUD number, they can request a manual update. 

Thanks, XXXX XX/XX/XXXX - We received the refund in the mail on this date. XXXX could not advise us on when we would receive this but continued to tell us he had no information yet he was emailing Hyundai Motors Finance. How does a check come to us and the people he was emailing have one in the system for us and in the mail. Yet, he could provide no details? 

XX/XX/XXXX - As of today there is no update on our credit. As mentioned above you can see the steps they were supposed to take but nobody can advise us with an update nor an AUD number. In fact, my son got a call today stating the very opposite. That Hyundai WOULD NOT be able to do anything to repair our credit.

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 2022-12-06
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have had numerous conversations with XXXX  XXXX XXXX has failed to give me Finacial hardship assistance and XXXX trying my hardest to make my payments the economy has impacted my income and reported me late for the last 3 months

Company response to consumer: Closed with explanation