BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with 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 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 2023-04-11
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I filed XXXX disputes with PNC Bank ... XXXX for {$30.00} on XX/XX/XXXX... XXXX XXXX XXXX XXXX XXXX XXXX for {$75.00} on XX/XX/XXXX .... 
XXXX  I was issued a provisional credit for both amounts until the dispute was concluded. On XX/XX/XXXX, a final dispute was credited back to my account. On XX/XX/XXXX, I went to PNC Bank located at XXXX XXXX XXXX, XXXX, IL and withdrew & XXXX... XXXX came back on XX/XX/XXXX & & took the funds again for {$75.00} then PNC Bank said they were trying to take more and therefore PNC Bank said a new dispute had to be created ... now I've gotten my money and asked that the account be closed because by now the Customer Service Agents were acting unprofessional ... this was a done deal and now they had blocked XXXX and began the process of using me a new ATM card. 
I went into the bank and got a new ATM card since it was taking so long. They said that my account couldn't be closed because of the new dispute... are they kidding me... So I had nothing to gain because I had already took the funds when they had finalized the first dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: Experian Information Solutions 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:
My name XXXX 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 no consent is fraud.

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 2022-12-03
Company: EQUIFAX, 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:
My name XXXX 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 no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
XX/XX/2018 my car was totaled at the time the insurance didn't want to pay. And since the car was in such bad shape when I arrived to the scene of the accident. XXXX County sheriffs had my car towed to their location due to the vehicle being non drive able. 
I called my loaner Capital one to dispute the claim and I was told the remainder of the cars total value which was XXXX was still due on the vehicle. I tried numerous times to decrease the payments due to pleading hardship and the car being totaled damaged. Less than six months later creditors are calling me on behalf of capital one, at this moment I am in a new vehicle and can not afford two car notes. Before i got a newer car I was trying to settle with the actual company, now creditors are calling me every other day, numerous different people, numerous area codes around the world so terrified to answer. I couldn't even get a loan was so close to the point of filing Chapter XXXX bankruptcy just so this unresolved debt wont linger over my head.I just received a letter in the mail about a few weeks ago around XX/XX/2018 saying that the creditor was willing to settle for XXXX. So if the loan has went down from XXXX then take it down another XXXX and i can then make a new compromise then what we discussed before. Due to not trying to really work with me the other times I rarely want to pay anything. I was in good standing with my this loan until this incident happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt within 30 days of receiving your initial communication. Ive requested verification of debt, proof of ownership, and accuracy of reporting in that order.Its been more than 60 calendar days with no response and i'm not waiting any longer. I need the account listed to be removed immediately under the FCRA. I recite these consumers laws and hope the cfpb can enforce these laws to these abusive debt collectors who probably are not even licensed to do business in NY. 
15 U.S CODE 1602 ( P ) - UNAUTHORIZED USE / HARD INQUIRIES 15 U.S CODE 1666 B - LATE PAYMENTS, CHARGEOFFS 15 U.S CODE 1681 15 U.S CODE 1692 ( G ) - COLLECTIONS - VALIDATION OF DEBTS 15 U.S CODE 1692 C ( C )

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 2023-05-01
Company: Experian Information Solutions Inc.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Since XX/XX/XXXX I have been reaching out to XXXX customer representatives to report an unauthorized hard pull inquiries made in my account on the XXXX of XX/XX/XXXX by different creditors. 

I have spoken to more than 10 of XXXX representatives with all giving different information and some being rude or hanging up on me. 

I have mailed the documents they have requested to take this hard inquiries out of my account 3times yet they say they dont get it or their fraud department didnt provide it to them.

Each time I mail this documents through USPS I track it and it shows delivered with it containing my personal informations yet each representative says they cant find it on their system but they can see the dates the documents are delivered they just cant see the informations. 

They say they cant see my FTC report or letter of request or SSN card so I decided to keep mailing it over and over again. 

I sent these same documents to XXXX and immediately, I got a mail that those inquiries has been deleted from my report. 

I sent these same documents to Experian and Experian said I have to call each creditors myself to ask them to remove the inquires from my report as they cant do it for me. Imagine me calling over 6 creditors myself to ask them to do what XXXX did without stressing me out. 

I am very unhappy about all these and its been causing me stress and affecting my mental health. Each time I call these credit bureau I feel worst and terrible about my situation.

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 2018-11-12
Company: JH Portfolio Debt Equities, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My personal cellphone is listed on the Do Not Call registry but this debt collector ( XXXX XXXX XXXX ) persists in contacting me in relation to a debt allegedly owed by my ex-wife. They have no right to do so.

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 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 second 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 alleged fraud or extortion 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 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 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Ive disputed several accounts that are being reported as mine to all three bureaus and they keep saying they have verified them and when I requested information on how and with whom they were able to verify, I get no response at all

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 2023-07-19
Company: Credit Corp Solutions Inc.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Corp Solutions continues to I mailed certified letter XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX letting them Credit Corp Solutions know that they are in direct violation for refusing to validate a debt. Credit Corp Solutions continues to sent out the exact copy of the same letter with updated dates each year. In the letter I sent to Credit Corp Solutions dated XX/XX/XXXX I advised them that failure to validate the debt would waive any and all claims against me and they would be responsible for paying me for their continued violations and harassments in a attempt to collect on a debt that they can not validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Inaccurate addresses on my credit report, Inaccurate phone numbers on my report also inaccurate employment on my credit report. Need these things updated immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
State: AR
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 XXXX XXXX XXXX XXXX reported a late payment in XX/XX/ has violated my rights. 
15 USC 1681 Section 602 States, I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish my account without my written instructions.

15 USC 1666B : A creditor may not treat a payment credit card account under an open end consumer credit plan as a late for any purpose.

I greatly appreciate your attention to this matter and your commitment to upholding consumer rights. I request that you keep me informed of the progress and outcome of the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK
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:
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. 

Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
There are 5 hard inquiries on my TransUnion credit report that I don't recognize. These hard inquiries are as follows : 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 2022-02-12
Company: JTM Capital Management, LLC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
JTM CAPITAL MANAGEMENT , LLC at XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX has been sending me collection notices in the amount of {$300.00}. The charge off has been reported on my XXXX credit report. I do not know this company. I never done any business with this company. This company does not have a contract with my signature.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: ENCORE CAPITAL GROUP INC.
State: VA
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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Re : Checking acct ending XXXX Transactions on XX/XX/19 for XXXX and XXXX were both fraudulent transactions. These transactions have also overdrawn my account causing overdraft fees with others to possibly follow if I can not stop auto bill pays in time. We immediately notified that these transactions were fraud and told it would take ten days before a credit can be possibly issued. This is unacceptable and will cause unnecessary hardship on our finances. Any other bank like XXXX or XXXX  XXXX XXXX would have immediately issued a provisional credit while the transaction is already investigated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-13
Company: SANTANDER HOLDINGS USA, INC.
State: CA
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:
My Consumer Credit Transaction with Santander Consumer USA for a auto loan was breached and violated Consumer Laws on XX/XX/XXXX. In my contract, my interest rate is 19.20 % at a Finance rate of {$20000.00}. How is that? I am financing a XXXX XXXXXXXX XXXX XXXX  XXXX XXXX used with XXXX for {$29000.00} including gap. Its to high of an interest rate. My total sale price is {$52000.00} for the entire loan. I notice in my gap coverage that they had put my amount financed for {$29000.00}. It doesn't match with my Retail Installment Agreement which is {$29000.00}. Also a good friend of mine that XXXX XXXX stated to me that they salesmen and the manager lied and adjusted my income at the time for approval. I been paying my monthly bill until i lost my job due to XXXX and i asked for assistance with them they said they cant because I already asked for financial help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: United PanAm Financial Corp.
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: Credit inquiries on your report that you don't recognize

Complaint:
I want to emphasize that I have not applied for any credit or services offered this company nor have I granted permission for them to access my credit information. Therefore, the inquiry ( s ) made by this company are unauthorized and potentially damaging to my credit score and financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: EQUIFAX, INC.
State: MD
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 XXXX XXXX XXXX MD, 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