BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-08-01
Company: Foursight Holding LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call my phone multiple times a day everyday. I got on the call and told the lady I would like to only communicate via mail because I receive too many calls. She told me I owe a debt and she can call as much as she wants. I told her I was going to record the call and report her and she hung up. They have Called my references as well harassing them and embarrassing me. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-27
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Santander Account number XXXX. I tried to buy a car on XX/XX/2020 everything was good ready to print documents to buy the car however Santander showed on my credit report that I owe them money. From the dealership I called Santander to find out what was owed on the account and why. The amount owed on a loan is {$880.00}. I was told the balance due is a result of the insurance company XXXX, gap insurance and a warranty payment being paid late. I called again on XX/XX/XXXX the agent explain to me the balance due on the account is from late payment and interest charges. I requested a copy of a full statement of my account showing payments that were made. I received a statement on XX/XX/2020. I called Santander to discuss the payment that they showed that is due on the account. The XXXX explain to me that I had to pay the balance due in order to close the loan. Since this is showing on my credit report I can not buy a new car until it is paid. I borrowed the money to pay the balance owed off 2 Santander. I am on XXXX I don't have much money per month and can not afford expenses like this. I have used car insurance in the past and have had no problems with gap insurance satisfying the loan to show a XXXX  balance. I believe Santander is charging me for things they should not. Please have this resolved please help me get it resolved I need help my XXXX affects my thinking and I need help to resolve this. I need to buy a new vehicle and can not do so until this is removed from my credit report. Since this is shown on my credit report it has pulled my score down very low. I have worked hard to maintain a good standing with my credit and this has ruined it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: EQUIFAX, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Equifax was submitted information and court documents involving XXXX XXXX XXXX fraudulent claim of debt owed to the XXXX XXXX XXXX in the amount of {$7600.00}. When contacted on results of the dispute Equifax verified debt with collector even though the court documents and dispute letter provided to collector was certified mailed to them. Equifax then states I have to get a deletion letter from the collector to have it removed which I told them they are aware of everything and have also recieved certified mailed court documents and several dispute letters stating I dont owe this debt the XXXX XXXX XXXX was in litigation with me over the matter and on XX/XX/ I was awarded XXXX that still hasnt been paid. Plz refer to complaints involved on matter XXXX also XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Maximus Education, LLC dba Aidvantage
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: Account status incorrect

Complaint:
The department of Education and Aidvantage has XXXX all my school loans from XXXX due to their bankruptcy and bad loan dealings. 

I have attached XXXX letters stating that they were XXXX and would like to see this pushed to the credit agencies. 

I would like to see this reflected soon in my credit report so that i can buy a house. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I was told I was approved for a {$8000.00} loan and the guy name XXXX told me I had to get my account balance up before they could deposit the loan so at he XXXX me do was go the a store and purchase XXXX XXXX gift cards to get my availability balance up. Never thought it was a scam bc he knew all my information already

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 2020-02-27
Company: EQUIFAX, INC.
State: GA
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:
Hello I'm trying to move and there is an item on my credit that is not mine. Can you remove XXXX  and some inquiries thats not mine either XXXX/XXXX  XXXX/XXXX  XXXX   XXXX CA XXXX  XXXX XXXX XXXX XXXX XXXX. I have contacted my local police and the FTC. I am doing this own my own behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: Carvana Group, LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
Carvana should be investigating for fraudulently changing terms without sending anything in writing or giving any reason why. I applied for a vehicle to be financed with Carvana with using my vehicle as a trade in. When I filled out the application online they asked questions like are you financing or own your vehicle, what is the mileage and my vin. #,. I provided everything. They told me they would give me XXXX  for my trade in and the original terms were monthly payments if XXXX for 72 months at 20 % interest rate with no money down. I Signed a contract and provided all the documents they asked for including the payoff for my vehicle that I was trading in then today I get an email to call Carvana because my terms changed. Because I have a balance on my car of XXXX  and they are only willing to give me XXXX  for my car but XXXX XXXX XXXX  gave a value of XXXX  for my car because I have low mileage and my car is in excellent condition they changed the terms to XXXX down with 27 % interest rate with monthly payments of XXXX a month. I asked them to tell me why I had to give XXXX down If my vehicle was being traded and XXXX was going towards the vehicle. Even if they add the difference from my trade in value minus my payoff it would not warrant payments to be XXXX for 72 months. The purchase price of the car would be XXXX  instead of XXXX. Which means they would take the difference of what I owe from the trade in and add it to the new loan. They could not answer my questions when I asked for a copy of the terms in writing they refused to let me see the figures they quoted me over the phone. I believe this was all a game they were playing with me. I asked for a manager and the Gentleman hung on me. His name was XXXX. I want them investigated they changed the terms and would not put it in writing who does this you give me verbal agreement without giving me options to review. Who does business this way

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. The XXXX and TransUnion Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX  Balance : {$0.00}

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 2023-04-09
Company: EQUIFAX, 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:
USC 1681 Section 602a, states that I have the right to privacy. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
15 USC 1681 sec. 604a sec.2 : It also says a Consumer Reporting Agency can not furnish my account without my written instruction.

15 USC 1681 c, ( a ) ( 5 ) states : No Consumer Reporting Agency may make any Consumer Report containing any of the following items or information : Any other adverse item of information, other than records of convictions of crimes which antedates the Report by more than 7 years.

15 USC 1681c 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 2020-02-27
Company: Experian Information Solutions Inc.
State: GA
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:
Hello I'm trying to move and there is an item on my credit that is not mine. Can you remove XXXX  and some inquiries thats not mine either XXXX/XXXX  XXXX/XXXX XXXX   XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted my local police and the FTC. I am doing this own my own behalf.

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 2023-01-25
Company: Experian Information Solutions Inc.
State: IL
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

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 2022-09-13
Company: EQUIFAX, INC.
State: IL
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/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Equifax Information Services , LLC, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an account listed as XXXX and an account for XXXX XXXX.This has caused me tremendous XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: Experian Information Solutions Inc.
State: NC
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 # XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX # XXXX Account name : XXXX  # XXXX Account name : XXXX  # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX, XXXX # XXXX Account name : XXXX XXXXXXXX XXXX XXXX  XXXX Account name : XXXX XXXX XXXX XXXX  XXXX Account name : DEPT OF EDUCATIONXXXX  # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX  # XXXX ACOUNT NAME XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NAME : US DEPT OF ED/XXXX  XXXX XXXX ACCOUNT NAME : XXXX XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : 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 2022-06-04
Company: Experian Information Solutions 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 XXXX Account XXXX  XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681section 602A states i have the rights to privacy. 15 U.S.C 1681 Section 604 A Section @ : 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 2022-03-06
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
hi My name is XXXX XXXX XXXX XXXX. 

I purchased the prepaid service for my daughter that is " gizmo watch '' and I paid XXXX dollars for that and service for that month which was XXXX total. my daughter stope wearing that watch. i thought i didn't have to pay anything, then the version gives my name for debt collector I.C System and i paid XXXX $ that the service they ever provided to me and I never used. Believe that is really wrong and I need the justice.

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 2023-04-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My Capital One Walmart Rewards card ending in XXXX had a {$0.00} balance in XX/XX/2022. Since then, charges and credits have appeared on the card that I have not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX Bank is reporting on my Equifax file it has reached time limit it can report. I have disputed this information with Equifax ; however, it is still reporting. I have called Equifax in regards to this negative mark ; however, Equifax is more concerned about me buying a product from them instead of helping me resolve this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-09
Company: American Collections Enterprise, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a call from Phone # XXXX, Caller ID XXXX XXXX XXXX XXXX, at XXXX XXXX on XX/XX/XXXX at my business. Did not recognize #, sent to voicemail. Left the following message : " XXXX. If you are ... .. ( unintelligible, muffled inserted voice ), please continue to listen to this message. There will now be a 3 second pause in the message to allow you to disconnect the call. By continuing to listen to this message you acknowledge that you are ... .. You should not listen to this message where other people can hear you as it contains private to personal information. There will now be a 3 second pause to allow you to listen to this message in private. Please do not hang up. This is ACEI calling regarding a personal business matter ACEI is a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. Please press 1 now to speak with a customer service representative. Alternatively, you can contact our office at XXXX or XXXX. You may also go to " resolvemyaccount.com forward slash ACEI for assistance. '' End of message. 

I DO NOT OWE ANYONE, ANY MONEY. This caller is a harasser trying to obtain my private information. An internet search on XXXX XXXX  XXXX showed that this company has been harassing people since XXXX and they continue to do so in XXXX. Why can't the authorities stop these thugs from taking away my productive hours from operating my business? I am also going to post this on 800 notes.com for others to see.

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 2023-08-03
Company: Experian Information Solutions 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:
XXXX and XXXX are reporting a false XXXX XXXX  account on my credit report. Experian is showing something totally different. on XXXX and XXXX, this is reporting : XXXX XXXX XXXX XXXX XXXX Reported balance {$2400.00} Actual payment amount {$0.00} Date of last payment XX/XX/2023 Past due amount {$0.00} Account status Pays account as agreed Date reported XX/XX/2023 But on experian, the account is reporting as 30 days past due with a totally different balance, on the same exact account. I have submitted ftc id theft reports to XXXX and XXXX in the past to have this account removed from my credit report and they still leave the account on there. i have reported XXXX and XXXX to the north carolina department of justice as well because of this and now i am prepared to sue them both in court if this is not fixed

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