BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The following items are reported on my credit report without my permission, in violation of federal law. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold 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 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 2022-02-17
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: Account status incorrect

Complaint:
My name is XXXX XXXX XXXX and the inquiry stated below is unfamiliar to me. Therefore, the furnisher was unauthorized to pull my credit report. 
Thus, there must be an error with Equifax 's investigation. I have already addressed this issue to Equifax but I have received nothing until this date. I am already doubting the accuracy of their investigation. 
XXXX Date of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: Experian Information Solutions Inc.
State: LA
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 A PROTECTED CONSUMER. i know my rights. i certify that this request to block was made NOT in error, and my request to block information was NOT based on a material misrepresentation, and i DID NOT knowingly obtain or should have known that i obtained possession of goods, services, or moneys as a result of one or more of the transactions that i am seeking to block. Under 15 U.S.CODE 1681c-2 you must block all fraudulent accounts. Since i attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.

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 2019-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
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:
On XX/XX/2019, I made a call to Capital One to try to resolve a fraud issue. They told me that they took the claim information and told me I would be credited back the amount I talked to them about. It is as follows : XX/XX/2019 for {$640.00}. 
On XX/XX/2019 they credited my account {$640.00}. They told me it was available for use. I tried to use my card and it was declined. I called back on XX/XX/2019, and the credit was removed from the account. They told me I have to wait 30 to 90 days now for them to credit my card back. They told me they took the credit back because it was still under review. I said, how do you credit someone and take the credit back right away? That makes no sense. They told me they are still investigating and gave me no valid reason for putting the credit on and removing it right away. They have been rude to me and hung up on me several times. They basically told me I have to wait. 
The card number I am giving you on the next page is the new card that they just issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: Aldridge Pite, LLP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
On XX/XX/2019 I was served with a lawsuit by Aldridge Pite LLP a, debt collection attorney, ( case no. XXXX ) naming me and my siblings, ( XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX with the Estate of XXXX XXXX to foreclose on his home, which had a reverse mortgage. I immediately contacted the Law Office of Aldridge Pite LLP. I spoke to the paralegal assigned, MS. XXXX XXXX, to the case and advised that according to my fathers will, I was disowned. I offered a copy of the will and asked that I be removed as a party to the lawsuit. I emailed that will to Ms. XXXX on that same day. Ms. XXXX advised me that she had already spoken to my sister XXXX and would be emailing us a document to sign dismissing my name from the action. She asked that I send her a copy of the will. I also informed her that my brother XXXX XXXX was adopted by my step-father when he was XXXX years old. He was also not a legal heir. According to the will, the only legal heir is XXXX XXXX. 

I never got the email. My sister XXXX however did. I thought that since the statute of limitations to contest the will had expired on the XXXX of XXXX, that the reason I did not get that email was because I provided a copy of the will. I thought nothing of it and didn't even discuss it with my sister. Shortly after that, Covid caused the lock down in my state and Oregon, I did not even consider that I might need to appear in court. I was also not notified that there was a change in attorney 's handling the case, which would have clued me in that I was still on the list of defendants. 

On or about the XXXX week of XXXX, I received a copy of the judgement against me for the default and foreclosure of my fathers house. Not only am I not a legal heir, I was never on the title or the loan. I did not discover that my sister had received the email, and I did not, until I spoke with XXXX after receiving the judgement documents. 

This man was an XXXX XXXX XXXX who was convicted in an Oregon court and served time in the Oregon XXXX XXXX. He was cruel in life and he was cruel in his death and now this law firm continues to victimize his children by trashing our credit and our peace of mind. We would like nothing more than for everything pertaining to XXXX XXXX to die with him. Now we fear that other debt XXXX will also come after us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
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 numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$5300.00} XXXX XXXX XXXX XXXX XXXX XXXX {$3600.00} 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 non-monetary relief
Consumer complaint received 2023-05-23
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: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rihgts to privacy and confidentiality under 15 USC 1681. 
The following accounts are not mine, Transuinion is reporting 2 different social security numbers, been trying for a year calling them and they do nothing. 
XXXX  XXXX XXXX {$5900.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX  XXXX {$13000.00} XXXX XXXX XXXX XXXXXXXX XXXX {$6700.00} XXXX XXXX XXXX XXXXXXXX XXXX {$2100.00} XXXX XXXX XXXX {$630.00} XXXX XXXX  XXXX {$310.00} XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX {$1100.00} XXXX XXXX XXXX  XXXX XXXX {$1000.00} XXXX XXXX XXXX  XXXX {$260.00} XXXX XXXX XXXX {$79.00} XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX OF XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX {$300000.00} XX/XX/2019 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 an 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 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 explanation
Consumer complaint received 2023-04-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Usaa XXXXXXXX XXXX  and XXXX  XXXX XXXX are all showing on a XXXX XXXX consumer report these are all stemming from identity theft in which I've sent police reports affidavits and ftc reports these financial institutions have chosen to violate my rights and not remove these invalid and illegal accounts from thier system over hired an attorney to take matters to local and federal courts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
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.

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 2023-04-18
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX  ( Original creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Date opened : XX/XX/2022 Balance : {$210.00}. Please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy 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

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 2023-04-18
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:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX XXXX Date Opened XX/XX/2020 Balance {$12000.00}, XXXX XXXX XXXX XXXX Date Opened XX/XX/2020 Balance {$1900.00}, XXXX XXXX XXXX  XXXX Date Opened XX/XX/2020 Balance {$1200.00}, XXXX XXXX XXXX XXXX Date Opened XX/XX/2020 Balance {$7500.00}

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 explanation
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
AS XX/XX/XXXX I HAVE NOTICE FRAUDULENT INQUIRES IT IS NOW XX/XX/XXXX THE 3 CREDIT BUREAS AND THE COMPANIES LOSTED BELOW TOOK MORE THAN 45 days to respond according to the " FAIR CARES ACT '' ALL COMPANIES INVOLVED ARE NOW VIOLATING THE LAW! 
REMOVE THIS FRAUDULENT ACCOUNT IMMEDIATELY BEFORE I HAVE TO MAKE LAW SUIT!!!! 

Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type All Banks Contact info Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX Phone number By mail only ( tel : MAIL % XXXX ) XXXX  Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Banks and XXXX XXXX XXXX Contact info Address XXXX XXXX XXXXXXXX XXXX, XXXX Phone number ( XXXX ) XXXX ( XXXX ) XXXX  XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Banks and XXXX XXXX XXXX Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX ( XXXX ) CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 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 results from an alleged identity theft Shall be removed from the consumers report 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 identit theft!! Please delete these items as soon as possible!

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 und 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 consume I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2023-01-10
Company: Persolve, LLC - Legal - Series 2
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 had a settlement with Persolve Legal Group as a collection for a bank which was paid in full as agreed the first week of XXXX of 2022. I have written and called multiple times to get them to update my credit report showing the balance is now {$0.00} but they refuse to update this with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: General Motors Financial Company, Inc.
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I opened and have maintained an leasing account with GM financial in XX/XX/XXXX. My lease is slotted to end XX/XX/XXXX. I moved, recently, out of the country and needed to end the lease early. I first called a GM dealership, asking to turn in the car on my way driving out of the country. They advised me that I needed to have an inspection done on the car. I called GM Financial, the leaseholder, and they CONFIRMED, via telephone, that this was the case. This was on XX/XX/XXXX. I was then told that a pre-inspection would be necessary. The pre-inspection should be scheduled within 48-72 hours, I was told. I was trying to return the car before leaving the US. Unfortunately, GM leasing could not transmit the file in the timeframe they said they would. I called back every business day after that, politely asking where my file was and when could I have the lease completed. Every time, I was assured that it would happen the next morning. I moved on XX/XX/XXXX, and left the car in the US, being charged $ XXXX/day for storage until the " mandatory '' pre-inspection lease was undertaken. I waited nearly two weeks, before yesterday talking to a customer rep who advised me that I was misinformed, and that the inspection is not required. I asked for an address to bill GM Financial for the costs of storage, as their mistake has now lead to me having to put out costs. The customer service reps then turned incredibly rude and refused to cooperate. They admitted no fault.

Company response to consumer: Closed with explanation