BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-03
Company: Genesis FS Card Services, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, the following business has violated my rights. 

15 USC1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open consumer credit plan for a purpose. 
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Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: NJ
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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : 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 2023-07-12
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:
XXXX XXXX, XXXX XXXX XXXX XXXX, Last 4 of SSN XXXX, XXXX I recently received a copy of my credit report and found that you are illegally reporting inaccurate and false information about me. The following alleged account is listed as a Collection with a PAST DUE BALANCE of {$330.00}. 
XXXX XXXX XXXX XXXXXXXX This is a violation of the FCRA and is also in violation of requisite Metro 2 Compliant reporting standards. 
According to the FCRA I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, and verifiable. Please remove this inaccurate account information IMMEDIATELY from my credit report and send the updated report showing your compliance with all FCRA laws and METRO 2 Reporting Standards as well as this account removed. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: HYUNDAI CAPITAL AMERICA
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I picked the closest catagories possible in the unusual incident. I lease a Kia Sportage, never have missed a payment in the XXXX  years since lease begain. Daughter was fully insured on the vehicle. Daughter found it to be stolen, reported it stolen. Police find it quickly impound the car,. XXXX Police Auto Pound never tries to contact me, only sent communication to title company which is Hyundai XXXX. Hyundai gets the certified mail and contacts XXXX Auto Pound, XXXXXXXX Auto Pound INCORRECTLY tells Hyundai the vehicle has been retrieved by person registered to, Hyundai moves on to next case. XXXXXXXX Police Auto Pound sells the XXXX  Kia Sportage XX/XX/XXXX. Never once was I contacted or given any opportunity to pick up said car or even know about it to need to pick it up!! Nothing. I have never missed payment, fully insured, then bam daughter driving the car... I learned that daughter had been evicted which prompted me to look up the car since her phone was not paid and shut off. To my dismay I see the vehicle listed and SOLD! Still to this day nobody has contacted me. I found this out on my own just looking it up when hadnt heard from daughter. My credit is very important to me and I cant believe I am faced with suddenly this car having been sold! what? I cant comprehend how this could happen but it did and I really need help.Have spent countless hours on the phone with Hyundai XXXX, XXXX Police Auto Pound and Kia Finance ... none of which plan to take responsibility and instead plan to send me a bill to buy an entire car that was sold without my consent. I am still making payments on a car that is sold in an effort to not mar my credit in the interim.

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 2022-05-03
Company: EQUIFAX, INC.
State: FL
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 confidentially under 15 USC 1681. XXXX XXXX XXXX acct:XXXX XXXX XXXX acctXXXX, XXXX XXXX acct: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 : also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Penfed was contacted via email/phone on XX/XX/2023. In response, an Penfed instructed me to send a Hardship Application to XXXX along with supporting documentation. I was sent a response of the application requesting documentation that was not clearly specified on the application. And one in particular was a request of medical documentation during XXXX, as I had constracted the virus temporarily unable to work ( XXXX XXXX XXXX ). 

I replied giving a statement asking to please specifiy what kind of documentation that isn't infringing on HIPPA laws as it is my right to privacy. I also, sent over documents showing that I am on government aid and assistance. I was given 10 days to respond only be rejected within said time period with no further explanation other than you didn't gather all the documents. Upon taking a closer look, says OR and I sent an exceedingly amount of information to help them make a decision during my crisis. 

During the time of my sickness XXXX XXXX, I was not able to make payments nor did I have the ability to afford my loan. I had called requesting assistance only to be misdirected and avoided. I also, incurred hundreds of dollars of late fees as well as autodraft REJECTION fees. The rejection fees as I understood it were from an autopay that never fully processed. Something that I personally disconnected online when I was no longer able to make payments. Which didn't stop incurring fees even after the account was closed. 

The rejection fees were brought their attention when I noted that these were not your standard late fee payments and requested for these payments to be removed. They removed one payment only and the interests have increased significantly. I really need some help and unfortunately this companies ethics is deteriorating.

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 monetary relief
Consumer complaint received 2023-06-29
Company: Credit Karma, LLC
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I reached out to Credit Karma to file a dispute for the charges listed below and report these as unauthorized charges on XX/XX/XXXX. I first attempted to reach out to XXXX XXXX to resolve the issue and was never able to get ahold of anyone who could assist me so I then went ahead and submitted the dispute with Credit Karma for my XXXX account with them. 

XX/XX/XXXX {$380.00} XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX {$480.00} XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XX/XX/XXXX {$150.00} XXXX XXXX XXXX, XXXX, CA XXXX XXXX XX/XX/XXXX {$50.00} XXXX XXXX XXXX, XXXX, CA XXXX XXXX XX/XX/XXXX {$53.00} XXXX XXXX XXXX, XXXX, CA XXXX XXXX I reported it on XX/XX/XXXX and then on XX/XX/XXXX they denied my claim stating that I did in fact authorize these charges and could not give me a exact reason why it was denied. Nobody reached out to me for any additional information and I do not know how XXXX XXXX is able to come to this conclusion in such a short time frame. 

I lost my cell phone on XX/XX/XXXX and reported it lost/stolen with my insurance company and they somehow gained access to my XXXX account which had my debit card linked from my Credit Karma Spend account. I have since filed a appeal but have received no reply and no provisional credit while this is looked into. 

I am attaching documents which prove my claim. If anything else is needed from me please let me know. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The 3 Credit reporting companies XXXX XXXX  and transunion. CONTINUE and FAIL TO NOT PROTECT CONSUMERS. as consumers we must PROVE that incorrect/ erroneous items are so. While Credit Furnishers or debt Collectors. DO NOT HAVE any type of burden to prove that the negative information they provide is Correct. Suggest that ALL credit furnishers and debt collectors MUST Prove that ANY negative information they provide MUST Include proof.

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 2023-05-25
Company: Experian Information Solutions Inc.
State: MD
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 sent a request to reinvestigate the disputed Accounts from my credit report as well as correct these Accounts from my report during the investigation period. As of this date, you have failed to respond to my request. I need you to correct the accounts listed below : XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX 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 explanation
Consumer complaint received 2021-09-29
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I contacted the company Receivable Performance on late XXXX, I was given a settlement offer to resolve an outstanding balance with XXXX. I asked the representative if the account would be remove from my credit and the representative said yes and told me once the account is paid they will request a deletion on my personal credit report. Now after 2 months I noticed the account is showing on my credit as paid and I contacted them on XX/XX/XXXX and had to speak with a representative from the escalations department. I spoke with XXXX XXXX and she said they never offer the credit report deletions, I explained her that I am sure the representative promised a credit report deletion and that I needed because I am applying for a mortgage loan, she said they would review the call and asked for some days. Today I called her back and after XXXX hour on the phone I was able to get a hold of XXXX XXXX, she said she will call me in 5 min, after 50 min I had to call her again since she didn't called me back. When she finally pulled my account she said that after reviewing the call, there were some noise on the background and she can not confirm if the the representative I spoke did or did not promised a credit report deletion, but she assume the representative did not. That is not a fair investigation, I explained I need this account delete from my credit report because I will lose my mortgage deposit. At this point I just don't believe that XXXX XXXX reviewed the call. At this point I am requesting to Receivable Performance Management LLC a copy of the recording because don't believe on the background noise answer, I am sure the representative promised a credit report deletion and if I lose my home deposit for this I will sue Receivable Performance Management LLC for the money lose and the thousands of dollars I can save on with the current history low interest rates.

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 2023-07-12
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:
On XX/XX/2023, XXXX : I submitted the enclosed disputes regarding my federal student loans through XXXX. The dispute was sent to XXXX, XXXX, and Equifax. I have been in the process of purchasing a new home and my loans went through the Fresh Start program. As per the two conversations that I had directly with the Department of Education, I was told that all negative information that was previously reported would be removed. The disputes were specific to each bureau. XXXX decided not to pursue the disputes. Instead, I received a letter dated XX/XX/2023, with contradictory wording. It starts off by stating that after a careful review of my account, a determination was made that no adjustments are needed. The reason provided was because of an incomplete or invalid dispute. This was followed by claiming that under the FCRA a data provider doesnt need to investigate disputes received directly from consumers. For starters, the dispute came directly from the bureaus. Furthermore, the results should have also come back from the three bureaus. That never happened. Just a form letter from someone who didnt take the time to review the disputes. 
XXXX, XXXX, & EQUIFAX The attached response from XXXX indicates that you didn't provide the information listed in my individualized dispute sent to all three bureaus. You too share a part in the blame for my credit reporting incorrectly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-25
Company: EQUIFAX, INC.
State: DE
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 have reached out to Equifax well over 90 days ago and they have failed to comply with the investigation I asked to to do on false misleading and inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
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: Information belongs to someone else

Complaint:
I am writing to inform you that you are in violation of Federal Statute and I am considering litigation. I have retained legal counsel. In an effort to resolve this matter amicably, I will make one written request. 

I am formally requesting that you validate all trade line notations you have submitted to the three major credit reporting agencies by XXXX, for account number XXXX XXXX XXXX/ XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this trade line. 

Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for civil complaints being filed in accordance with FACTA,  FCRA, and other federal and state laws. 

I look forward to a timely and amicable resolution to this matter.

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 2023-06-02
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am so upset and freaked out about what is happening to my credit record and myself. Not only is it extremely humiliating, but it is obviously either your responsibility or the fault of the corporation for publishing this false information. Update to paid now or as promised and remove any annotations for late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
Company: EQUIFAX, INC.
State: OH
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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: IL
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:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-29
Company: EQUIFAX, INC.
State: PA
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 writing to dispute any and all alleged debt. I requested burden of proof in credit file dating XX/XX/21 but did not receive that information. A very detailed letter was sent and a Company name I did not state on that letter was disputed stalling the process. I need all documentation stating that this alleged debt belongs to me and not a billing statement or credit report stating verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 confidentially under 15 USC 1681. XXXX XXXX XXXX acct:XXXX, XXXX XXXX acct:XXXX, XXXX XXXX  acctXXXX 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 : 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 2023-10-24
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: Information belongs to someone else

Complaint:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible

Company response to consumer: Closed with non-monetary relief