BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-22
Company: Capio Partners, LLC
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:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

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 WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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: Investigation took more than 30 days

Complaint:
I am a victim of inaccurate/fraudulent information reporting on my credit file. I am extremely upset that the credit bureaus are allowing this inaccurate information to be reported. My reputation as an consumer is being tarnished and it is causing emotional and financial hardship. I have tried to resolve this issue with Transunion directly but it seems as if I am not being taken seriously and my attempt to resolve this issue is being ignored. I have sent letters to the credit bureau for the last 4 months and I have yet to receive a resolution of the inaccurate/fraudulent items to be deleted from my credit file. My first letter was mailed out on XXXX of 2020 and I have sent several letters since then. After doing my own research I learned that the " Consumer Finance Protection bureau '' CFPB is the governing body over all credit reporting agencies. I am expecting you to help me resolve this problem and enforce your power to make the credit bureau do their job to not report inaccurate/fraudulent accounts on my credit profile that damage my credit worthiness and overall reputation. My rights as a consumer are being violated according to the " Fair Credit Reporting Act '' FCRA. I also did not give the credit bureau permission to report these inaccurate/fraudulent accounts so the must be deleted immediately according to the FCRA. Please help me resolve this issue to remove these inaccurate/fraudulent accounts from my credit file.

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 2021-06-17
Company: HYUNDAI CAPITAL AMERICA
State: HI
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:
We went aloha kia dealer and got a brand new car the sales man explained to us the car value which we new it was worth XXXX we agreed to getting the car for the XXXX and monthly payment of {$780.00}. So when we did the paper work he went over the charges as far as we know it was only one letter that was explained to us such we signed for the sales man made us sign the main contract first and after we sighned the main contract he made us sighn electronically on a blank white screen on his computer and was also rushing us to sighn the white blank screen because he said the screen will time out and he would have to dtart over which we were never acknowledge what was those signitures for so we went home and went over the other papers he put in the yellow envelopehe gave us with the main contract we had sighn which we knew the car was worth XXXX finding out wen we were going through the other paper he shoved in the yellow envelope we find out that the electronic signiture we had did on the blank screen was copied. And pasted on other documents that were never explaid or acknoledge for any reason we find out that the actual price for the car was not XXXX but XXXX we also seen that are signiture was copied and pasted on the a really important document that was never shown or explained to us such is the federal truth and lending disclosure we were never shown or explained the dealer accepted to unwind the whole contract but wen they came to pick the car up they wanted me to sighn a paper that was basically making me waive my rights and wen I told them that I wasnt gon na sign they decided to brake there promise to unwind the contract also the car only had 12 miles and now it has XXXX and it broke down it not useable

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 2021-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
Hello, I have been trying to get this problem fixed since XX/XX/2021 with TransUnion and XXXX and these reporting company hasn't sent me ANYTHING regarding this alleged debt. They haven't verified this XXXX XXXX debt and they haven't sent me any documents that i asked for or anything. So i am so confused who will be able to help me get this removed. Also the debt collector is XXXX XXXX XXXX and also hasn't notified me in any way ( 15 usc 1692g ) variolating my rights and keeping me in the dark I'm starting to feel like they are knowingly reporting false information and they wont fix it. It is really stressing me out since it's really been over 100 days of me trying, calling, and sending in disputes yet this XXXX Account is still on my report for no reason. They have violated so many consumer laws it is crazy. 15 united states code 1681 ( i ) ( a ), 1681 ( i ) ( 2 ) ( a ), 1681e ( b ) are just a couple and it should be deleted off my report immediately. Or else I will be forced to litigation since they seem to not be compliant with the law. 15 usc 1681n for willful noncompliance.

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 2023-01-02
Company: EQUIFAX, 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:
Improper use of my consumer report I XXXX XXXX consumer, XXXX! natural person, Please be advised this WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Delete this account immediately and update all the late payments, unless you want to be held {$1000.00} per violation Under 15 U.S. Code 1681b Permissible purposes of consumer which is fraud v FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING XXXX  XXXX XXXX XXXX Account Number : XXXX Late payments v XXXX XXXXXXXX XXXX Account XXXX : XXXX. Please immediately delete this item. 

XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Remove Late payments XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Under 15 U.S. Code 1681b.XXXX XXXX XXXX Account Number : XXXX Remove Late payments XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Number : Remove Late payments XXXX XXXX XXXX XXXX XXXXAccount XXXX Remove Late payments XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Remove Late payments XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting Act the accounts listed here have violated my federally protected consumer rights to privacy and confidentiality. Accounts : XXXX XXXX XXXX XXXX Is in violation of my rights. XXXX XXXX  XXXX Is in violation of my rights. 15 U.S.C 1681 SEC. 602 A states that i have the right to privacy. 15 U.S.C. 1681 SEC. 604 A sec. 2 states that a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C 1681c. ( a ) ( 5 ) states that no consumer agency may make any reports containing any other adverse items of information, other than records of convictions of crimes which antedate the report by more than seven years. This is the previous dispute # XXXX to which transunion replied that the said account was removed from my credit file, however, the account is showing as an open account on my latest credit report.

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 2023-07-21
Company: Avant Holding Company, Inc.
State: OR
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:
Credit card account with Avant was paid in full and closed XX/XX/2022. The company sent account to collections company XXXX XXXX XXXX. I have submitted documents showing proof of payment and still receiveing calls and letters attempting to collect on a paid and closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: Experian Information Solutions Inc.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2023-01-24
Company: EQUIFAX, INC.
State: MI
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:
This will be my first and last attempt to remove these unauthorized accounts from my consumer report before involving civil institutions. Under 15 U.S Code 1681b - Permissible purposes of consumer reports any consumer reporting agency may furnish a consumer report under the following circumstances and no other, the written instructions of the consumer to whom it relates. I never gave that consent, which violates my privacy. Second, according to 15 U.S. Code 6802, I have the right to opt out of reporting if non-public information is being furnished. XXXX, I was not disclosed of that right by the creditor to opt out, Nor is the contract between the creditor and I public information. Per law, identity theft means non-consent. Please provide substantial documentation validating consent to furnish these accounts. Please block and delete the listed items immediately. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: NY
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 called in XXXX to try to resolve the issue and still nobody resolved the issue we now in XXXX of XXXX  and it's still the same issue I sent documents they told me they see half of my documents they can't see my ID and all this other stuff and it's not making no sense because how many times can I submit the same documents do I submit my police report and still nobody fixed this a supervisor goes and tell me it was a error made from our end and I'm gon na fix it and then come to find out it was never fixed months later and every time I try to put in an application to we get replacements of credit cards that the laws the application get blocked due to the fact of XXXX not updating my file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: FL
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:
This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX  XXXX Balance Owed : {$4.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$560.00} ; XXXX  XXXX XXXX Balance Owed : {$3500.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$11000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX  XXXX Balance Owed : {$1800.00} ; XXXX XXXX Balance Owed : {$0.00} ; EXPERIAN XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: In progress
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The Credit bureaus stated my account was properly investigation but how is that possible if the account # is inaccurate, open date is inaccurate, high credit is inaccurate, the date last active is inaccurate, and date last reported is inaccurate and the payment history reported inaccurate. A total of 30 violations with 24 month payment history inaccurate. This is grounds for removal and my rights violated under 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. 
Also the credit bureaus took longer than 30 days to investigate and took longer than 60 days to reinvestigate.

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 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Per FCRA as a federally protected consumer, I am now Opting Out of Any and All authorization I the consumer may have given you written or non written, verbal or non verbal per 15 USC 6802. I would also like too add 15 USC 1681, all the 31 address on my credit report needs to be removed. The XXXX XXXX is disclosing my utilization which is private information with that being said that is considered violation of my privacy which is 16 CFR 433.3. I'm not closing any accounts just want to update my credit report. It is a {$1000.00} fine for each violation. There seems to be many on my report.

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 2021-03-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
my sister, who i trust, gave me a personal check for {$9000.00} from her bank, XXXX, on XX/XX/XXXX and i deposited it into my account at bank of america ( boa ) on the same day. XXXX withdrew the {$9000.00} from her account on XX/XX/XXXX, the same day. boa placed a hold on the money for 10 days until XX/XX/XXXX. i have no access to the money for 10 days. they stated they are placing a hold on the money because i never received a check that large from XXXX and because my sister ( who has XXXX ) may not have enough money to cover the check. this all seems like bs to me and it is extremely inconvenient. 

i tried to make an appointment with boa but of course, they have no appts until XX/XX/XXXX. 

is this legal? can they hold my money for 10 days? i have more than enough in my savings to cover the amount of the check. should i report them to the 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 2023-06-07
Company: EQUIFAX, 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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-22
Company: EQUIFAX, INC.
State: OR
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:
XXXX XXXX. Amount, XXXX. 

This account do not belong to me, I do not have contract with this company, Its inaccurate. It is not my debt. I am not responsible for something that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Auction year : 2012 Wells Fargo, the bank many times denied me the mortgage modification and took away my house by foreclosure.

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 2021-03-19
Company: Experian Information Solutions Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This is not a duplicate, my previous Complaint " XXXX XXXX XXXX '' say they not quite sure why nor how its a HIPAA violation. law is clear like the previous document I provided, XXXX XXXXXXXX XXXX XXXX  } did NOT provide me a HIPAA release, that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. you state that your are associates with the Original creditor, that don't make you the original creditor. so how did you get access of my private medical history with out a HIPAA release form. which is a violation.

I sent a validation request months back, you sent me a insurance claim that is not a HIPAA RELEASE FORM.

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