BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to the Fair Credit Reporting Act, specifically 15 USC 1681 Section 602 ( a ), it is imperative that consumer reporting agencies conduct their responsibilities with fairness, impartiality, and a profound respect for consumers ' right to privacy. XXXX and XXXX, being consumer reporting agencies, hold a significant role in safeguarding our private information. 

Under 15 USC 6801, it is the Congress 's policy that financial institutions must continually respect their customers ' privacy and protect the confidentiality of their nonpublic personal information. The term " Furnisher of information to credit agencies '' falls under the definition of a financial institution within this framework.

Additionally, 15 USC 1681 Section 604 ( a ) ( 2 ) specifies that a consumer reporting agency can furnish a consumer report solely in accordance with the written instructions of the consumer to whom it pertains. Neither the financial institution ( Furnisher of information to credit agencies ) nor the consumer reporting agencies, XXXX and XXXX, have obtained my written consent to furnish this information. Therefore, all forms of consent, whether verbal, non-verbal, written, implied, or otherwise, are hereby revoked. 

Furthermore, 15 USC 6802 ( b ) ( c ) dictates that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without providing the consumer an explanation of how they can exercise their nondisclosure option. Regrettably, ( Furnisher of information to credit agencies ) never informed me of this right to exercise nondisclosure. 

In direct violation of 15 USC 1681C ( a ) ( 5 ), XXXX and XXXX are reporting adverse account information without my permission, which is prohibited by law. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) clearly states that any person should not furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Equally important, 15 U.S. Code 1681e mandates that every consumer reporting agency must maintain reasonable procedures to avoid violations of Section 1681c and to limit the furnishing of consumer reports to the purposes listed under Section 1681b. XXXX and XXXX appear to be falling short in maintaining these reasonable procedures. 

Lastly, as per 12 CFR 1016.7, a consumer retains the right to opt out at any time. I am formally opting out of your reporting services. 


Account Name XXXX XXXXXXXX. Account Number. XXXX Account Name XXXX XXXX XXXX. Account Number. XXXX 
Account Name XXXX. Account Number XXXX Account Name THE 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 2021-11-24
Company: JPMORGAN CHASE & CO.
State: MT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased a home in XXXX of this year ( 2021 ). My first payment was due in XXXX and I paid my mortgage on time to the servicer which was XXXX. I later received a letter from JP mortgage Chase indicating that they acquired my loan and that, begging XX/XX/XXXX, I was required to send my payments to them and to forgo any payments to XXXX XXXX. I contacted JP Morgan Chase to confirm that they had acquired the loan ( as I had not received a letter from XXXX indicating that the loan had been sold ) and Chase confirmed that the information that was provided in the letter was accurate and that I should pay them beginning XXXX XXXX, 2021. I therefore, paid Chase via automatic payments for my XXXX mortgage. 

Since then, Guaranteed Rate sent me a letter indicating that I am delinquent on my XXXX payment and that they have no record of my loan being transferred. JP mortgage Chase is indicating that this is in error and that they absolutely acquired my loan. Ive attempted to resolve the issue and have been in contact with both mortgage providers but each of them continually give me instructions to communicate to the other provider. I feel that the consumer ( myself ), should not be the delegate between XXXX separate mortgage companies about a transaction that they initiated without my involvement. Both companies XXXX Chase XXXX XXXX ) are informing me to make my XXXX payments to them and Guaranteed Rate continually indicates that I am overdue ( despite the fact that Chase already applied my XXXX payment to the outstanding mortgage balance ). 

In summary, I need help determining who is the proper owner of my mortgage. I will make the payments without issue as long as I know who to make the payments to. However, as it stands, I have XXXX companies, indicating that I own them monthly payments in the exact same amount ( for the same property ). In effect, my mortgage has just doubled. I need assistance in getting the XXXX companies to correspond so that this matter can be cleared up. Thank you ion advance for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Mercedes Benz Financial Services
State: MI
Product: Credit reporting 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 several inquires on my credit report that I did not authorize. According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. The following companies have violated the FCRA, by reporting these inquries on my credit report -- -XXXX XXXX XXXX, on XX/XX/2023 -- -Mercedes-B, on XX/XX/2023 -- -XXXX XXXX, on XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on 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 any item 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. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$1800.00} ; XXXXXXXX XXXX XXXX Balance : {$54.00} ; XXXXXXXX XXXXREPORTED XXXX Balance : {$84.00} ; XXXX SELF-REPORTED XXXX Balance : {$220.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$330.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$190.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft , not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 TransUnion about the following negative accounts XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$67.00} XXXX XXXX ), XXXX XXXX ( Date Opened : XX/XX/XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ), XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX, Balance : {$850.00} XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX )XXXX XXXX XXXX  ( Date Opened : XXXX. XXXX, XXXX, Balance : {$1000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ), XXXX XXXX XXXX L ( Date Opened : XXXX. XXXX, XXXX, Balance : {$360.00} XXXX XXXXXXXX XXXX XXXX ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX XXXX XXXX ), XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$2400.00} XXXX XXXX XXXX ), XXXX XXXX XXXXXXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$900.00} ), XXXX XXXX BANK ( Date Opened : XXXX. XXXX, XXXX, XXXX : {$440.00} ). Its been over 45 days and TransUnion 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 non-monetary relief
Consumer complaint received 2021-06-01
Company: Optio Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Qualia Collection Services is attempting to collect a debt that does not belong to me. They sent me the attached notice of debt on XX/XX/XXXX. I've attempted to resolve this by contacting the company asking for validation of this alleged debt. I sent out correspondence via USPS mail on XX/XX/XXXX. I have yet to receive any form of sufficient validation of this debt, or any correspondence at all from Qualia Collection Services. As far as I know, this has not been reported to any of the credit bureaus but I'd like them to cease all collection efforts and assure me that this will not be reported to the credit bureaus as this alleged debt does not belong to me. I am requesting legal action to terminate this account immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a charged off account with Wells Fargo and received a XXXX statement. I disputed the account and provided the documentation to corroborate the dispute. 

The account balance was corrected and placed at {$0.00}. 

Wells Fargo did not correct the account with all of the credit bureaus and now added the old balance back to the credit reports in violation of the FCRA and FCBA. 

I have sent numerous letters and it is not corrected.

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 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2021-11-24
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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and XXXX XXXX XXXX completely from my Credit Report : XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: EQUIFAX, 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:
I am XXXX XXXX and I am submitting this complaint myself. I'm not swayed that XXXX  efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. XXXX is reporting inaccurate information on XXXX. Per XXXX, reporting must be XXXX % accurate or the information must be deleted. 

( XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Bank offered a promotion account opening bonus of {$1000.00} for meeting the following requirements : {$25000.00} account balance on days 30 and 180 ; and make 10 or more debit card purchase. 

Account was opening on XX/XX/2020 and at days 30 and 180 had the requite balance. In addition, debit card purchase requirement has been met. 

Despite meeting requirements, account bonus has not been paid in accordance with terms. Inquiries have been ignored both via phone and email.

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 2023-04-29
Company: Experian Information Solutions Inc.
State: AL
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:
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency, ( Bureau ), any WRITTEN CONCENT to report anything on my consumer report which Violates my rights as a federal protected consumer. NO CONCENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of these accounts listed IMMEDIATELY! 



Account Name : Account Number : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts Listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INCORRECT ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX Way XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX Lucky Town XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL 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 2018-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I opened an account for XXXX card in order to finance part of the purchase of a timeshare with XXXX XXXX. The amount on the card was {$3000.00}. I paid the balance on the card prior to XX/XX/XXXX and never requested or received a replacement card, so I assumed the account was closed. 
XXXX XXXX, who was my wife at the time, was not an authorized user of the card, however, in XXXX of XXXX she advised me that she had been using the card for some time. I don't know exactly how long, and she had accumulated a debt of over {$17000.00} on the card. She advised that a collection agency was trying to collect payment for the debt for XXXX Bank XXXX, and they had threatened to garnishee her wages if she did not pay a certain amount by a date certain. She also advised me that she was issued a card in her name on my account by XXXX. 
About a week before XXXX contacted me about this, I had received a letter from XXXX in which they claimed I owed them {$17000.00}. When I learned about the debt from my ex-wife, I wrote to XXXX advising them that I had not authorized XXXX to use my account and I did not assume any responsibility for the debt, and I requested them to remove the debt from my credit report. On XX/XX/XXXX XXXX responded to me that since their records reflected XXXX as an authorized user on the account, they considered the debt to me as accurate and they would not remove it from my credit report. I discovered from the credit bureau that XXXX had written the debt off in XX/XX/XXXX, although they had never mentioned any debt to me prior to XX/XX/XXXX. Since my ex-wife was never authorized by me to use the card, and XXXX never attempted to verify by me that she was authorized to used the card, I think they are attempting to extort money from me to pay a debt I did not incur or authorize, and I would like for them to remove the debt from my credit report and to not harass me about the debt again. My ex-wife did not reveal the debt in the divorce decree, because she intended to hide it from me. Therefore, because of her concealing the debt from me and the fact that I never authorized her to use the card and XXXX never attempted to verify that she was an authorized user and never notified me that charges were being made by XXXX on my account, I consider the debt her sole responsibility

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 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-02-23
Company: HYUNDAI CAPITAL AMERICA
State: GA
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:
Three weeks ago, I contacted Kia Motors Finance to receive the title for a XXXX KIA XXXX purchased by myself and my son, XXXX XXXX. Each time I call, the system prompts me to make a payment even though the car has been paid off and there is no remaining balance. 

I was told that title would be released and I should receive it in a week. We have not received the title and need to sell the car asap. Within the last two days, I have been trying to reach someone in customer service, only to be passed from one person to another and finally disconnected. I would really appreciate your assistance in resolving this matter. The VIN number for the car is : XXXX KIA XXXX VIN : 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 2021-11-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the negative accounts reporting on my Credit Report : XXXX XXXX**-Balance {$1300.00} XXXX XXXX-Balance {$580.00} XXXXXXXX XXXX**-Balance {$3000.00}

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