BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have no idea who or what these accounts ares or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. This report is indicating that these accounts listed on the attached letter was opened. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized as a third-party collection agent if applicable.

4. Provide a true and correct copy of the instrument by which company } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to the company, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

Failure to provide an Opt Out Notice.

Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

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 2022-12-29
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
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: Investigation took more than 30 days

Complaint:
I have been sending written correspondence to XXXX and EQUIFAX since XXXX of this year regarding this closed account, XXXX The company is showing 1 late payment. 

I contacted the company in XXXX and they were courteous, but unable to assist. I believe it something to do with the company 's name changing or not being able to access my records. 

I asked that XXXX and EQUIFAX look into it and provide the documents to support the late payment being reported on my credit report. To date, I have not received the documents or official results of what actions XXXX and EQUIFAX took to ensure the accuracy and completeness of the data that is being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Experian Information Solutions Inc.
State: SC
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:
Violation of Privacy & Consumer Rights I received a copy of my credit report with the intention of trying verifying what is all on my credit. In the process of doing so, I realized that I have not given anyone written consent to place the attached items listed to my credit report. In accordance with the Fair Credit Reporting Act ; XXXX accounts listed below has violated my rights. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 15 U.S. Code 1681i section 602a ; stated I have the right to privacy. Which means that if I did not give my consent to the furnishers of these accounts or to your reporting agency to place upon my government administered social security number ; my rights has been violated. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 15 U.S. Code 1681i section 604a ; also states that a consumer reporting agency can not furnish an account without my written instructions to do so. Which I have not written this agency to do so. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 15 U.S. Code 1681i section ( A ) states the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. I did not receive that notification. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Finally, 15 U.S. Code 1681i section 5 ( a ) states in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate based on the results of the investigation. Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2023-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I Have fraudulent inquiries on my credit report from the following companies XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I have tried multiple times to contact these creditors and Transunion regarding these fraudulent inquiries that have been made using my personal information. I would like for these fraudulent inquiries to be removed from my credit report 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 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
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 2020-07-25
Company: General Motors Financial Company, Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
GM Financial is the Lessor of my XXXX  XXXX XXXX VIN # XXXX and lease account # XXXX. This Lessor does not make PAYOFF information available to the consumer/Lessee. THERE MUST BE SOME KIND OF DISCLOSURE REQUIREMENT SO THE CONSUMER CAN KNOW WHAT THEIR BALANCE AND REMAINING FINANCIAL RESPONSIBILITY IS! 

There is NOTHING AVAILABLE ONLINE GM Financial website ), nor in the phone APP. Also, when you call customer service, an automated attendant instructs you to go online and use chat. When you go online and use chat, the agent tells you to go call the customer service number. Round and round. How can it be allowed to block this information from the consumer?? This is game playing, and I believe information that is unlawfully being hidden from the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: EQUIFAX, INC.
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following ITEMS which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-09
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I reached out to PHH mortgage services in XX/XX/2022 to get validation for the alleged amount stated on a statement sent to my homestead property. As stated under the FCRA I have the right to request this information and receive a full disclosure. I am exempt from forced sale or XXXX. PHH Mortgage Services has sent me an unjust default as well as a threat to foreclosure on my homestead property. PHH Mortgage Services has not validated or verified any information requested within the RESPA time frame. This is very unjust and wrongful PHH Mortgage Services has furnished fraudulent claims against my consumer reports. XXXX Mortgage XXXX has not responded to my request in a timely manner nor validated the information that I requested pursuant to 15 USC 1692g,15 USC 41 consumer protection, RESPA, FCRA and TILA. How could they ignore my request and place my account in default and force me to foreclose. As a protected consumer fraudulent practices are a violation under state and federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: Foris DAX, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Problem with Crypto.com and their associated bank ( XXXX XXXX XXXX ) Wire transfer from XXXX XXXX XXXXXXXX on XX/XX/21 for amount of XXXX USD is missing and beneficiary bank is claiming they have no evidence of reception. I am concerned that I will never see my funds again. This represents a massive sum of money for me I need your assistance in recovering this. 

XXXX  XXXX : XXXX Beneficiary bank : XXXX XXXX XXXX  Routing : XXXX Beneficiary name : Crypto.com Acct : XXXX It seems from online chatter this Bank, or crypto exchange has been having a number of problems just like mine. My issue is not unique unfortunately.

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 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Violation of Privacy & Consumer Rights I received a copy of my credit report with the intention of trying verifying what is all on my credit. In the process of doing so, I realized that I have not given anyone written consent to place the attached items listed to my credit report. In accordance with the Fair Credit Reporting Act ; XXXX accounts listed below has violated my rights. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 15 U.S. Code 1681i section 602a ; stated I have the right to privacy. Which means that if I did not give my consent to the furnishers of these accounts or to your reporting agency to place upon my government administered social security number ; my rights has been violated. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 15 U.S. Code 1681i section 604a ; also states that a consumer reporting agency can not furnish an account without my written instructions to do so. Which I have not written this agency to do so. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 15 U.S. Code 1681i section ( A ) states the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. I did not receive that notification. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Finally, 15 U.S. Code 1681i section 5 ( a ) states in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate based on the results of the investigation. Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2023-09-30
Company: EQUIFAX, INC.
State: PA
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:
I am giving authorization to this company to respond to this cfpb complaint. I have requested that this company cease the reporting of the account stated in the attached dispute letter due to federal violations. Pursuant to the IRS Publication 4681 any cancellation of debt is considered a certificate of indebtedness and its now income. Income can not be reported per the IRS publication. However, this company did NOT honor my request for removal. This violates the Fair Credit Reporting Act and both this company and the consumer reporting agencies are participating in this violation. Additionally, as a financial institution, they did not disclose to me my right to opt out of the disclosure of my nonpublic information or directions on how to exercise my right to opt out as dictated by law. I sent them a letter notifying them of my request to be opted out of my nonpublic information being furnished to consumer reporting agencies pursuant to 15 U.S. Code 6802 and 16 CFR 313.7 in which they have denied my right. Instead, they stated that they do not offer their customers the option to opt out which is a direct violation of federal law ( s ) as they are REQUIRED to give opt out disclosures. As a federally protected consumer I am now revoking any and all authorization that I, the consumer, may have given them written, non written, verbal, and nonverbal per 5 U.S. Code 552a and I am demanding that my nonpublic information cease to be furnished. If this matter does not get settled, I will pursue litigation for damages.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: TN
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21
Company: Bridgecrest Acceptance Corporation
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
In XX/XX/XXXX I entered into a auto finance agreement with Bridgecrest XXXX XXXX XXXX, the financed amount included additional Gap insurance coverage. In XX/XX/XXXX I was in a car accident, at no fault of my own. I filed a claim with progressive after some time my car was deemed a total loss. I signed the required releases and the XXXX  adjuster proceeded to notify Bridgecrest. On XX/XX/XXXX Bridgecrest emailed a total loss notification to me. In the email I was asked provide a Vehicle evaluation and Settlement breakdown. The email also instructed me to include my account number and VIN on each page. The methods I was given to return the documentation was email or fax. On XX/XX/XXXX I sent an email to XXXX with the required information that was requested. I did not receive any correspondence from Bridgecrest or XXXX, XXXX, who apparently is involved with my Gap insurance. Because I signed all releases for progressive to issue payment to Bridgecrest and Bridgecrest nor XXXX, XXXX contacted me further I assumed that the car issue was resolved. On XX/XX/XXXX I reviewed my credit report in anticipation of purchasing another vehicle. I found that my account with Bridgecrest showed charged off with all 3 credit bureaus. I called Bridgecrest and was transferred to what I think was collection or charge off department. I was told my account had been charged off and no payment had been made, when I inquired about the insurance payment and Gap insurance payout, I was told that because no payment had been received that Gap had not paid out, I asked why insurance had not paid I was told the payoff offer was less than the amount owed on the loan. I thought the entire purpose of Gap insurance was to cover the gap between the amount insurance paid and the amount owed. I was told that I needed to talk to the total loss department, but I could not talk to them as a customer only insurance adjusters could contact them. On XX/XX/XXXX I called the adjuster and she explained that they are waiting on Bridgecrest to return the letter of guarantee. She said as soon as that letter is returned she can issue payment immediately, but shes been trying to contact Bridgecrest and know one from Bridgecrest or XXXX had returned her calls or emails and she has been trying to get this letter to be returned so she can issue payment and resolve my claim. They gave her a contact person by the name of XXXX as of today XX/XX/XXXX XXXX has not responded either. I dont believe this will ever be resolved

Company response to consumer: Closed with explanation