BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-22
Company: Experian Information Solutions Inc.
State: NJ
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX : XXXX | DOB : XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Physical Verification XXXX  CARD XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, 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 2020-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX : XXXX XXXX DOB : XX/XX/XXXX Trans Union XXXX. XXXX  # XXXX XXXX, XXXX XXXX Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Physical Verification XXXX  XXXX  XXXX  XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 

Thank You, 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 2019-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Hi - I have requested the CRA 's to removal unrecognized inquires from my credit report. I have even sent letters directly to the companies listed and none have been removed. This effecting my credit score and causing me issue when obtain credit. 

These inquiries were pulled without my permission the credit agencies are not doing anything about neither is the data furnisher. I have requested them to prove I have provided them permission to pulled my credit and they have yet to do so. It have been over 35 days of me requesting this information. 

I will file suit if the issue is not addressed. I have attached all of the certified letters sent directly to the company and the credit agencys as they have not done any type of investigation. Please take action!

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 2020-11-22
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:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed 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 2023-02-16
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I've disputed this before, but has since and over the years figured out why I'm not able to log into either of my Equifax ( XXXXXXXX XXXX XXXX ) credit reports. 

XXXX XXXX XXXX is using my XXXX Equifax account for the purpose of controlling our credit scores. Not sure who has hacked the XXXX account, but both have not been made available to me. And every time I've tried regain access, I get turned around in circles. Not sure why that continues you happen when it is clear that both accounts are being used by someone other than myself

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On Thursday XX/XX/XXXX a business loan for XXXX was deposited into my account. I went on XX/XX/XXXX to get a cashiers check to move the funds to my actual business account when I was notified that my account was froze. When I called the same day I was told I would have to wait for them to conclude their investigation and Ill receive a letter in the mail. Nobody has been able to answer my questions. I called XX/XX/XXXX and was notified that the account is actually in the process on being closed. Im assuming the investigation is because of the amount deposited. I have all documents on the business loan but nobody has reached out to me to rectify the situation. Now I have XXXX that I dont even know when I will be able to access. Obviously I need the money ASAP or I wouldnt have applied for the loan. Now I cant access my account at all or any of my funds.

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 2023-01-11
Company: EQUIFAX, INC.
State: TN
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 accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account name XXXX XXXX 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 : It 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 2019-03-08
Company: Paramount Recovery Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX  File Number : XXXX Verified As Accurate And Updated - It looks like this item is actually correct and that it's going to stay on your credit report, but info has been updated to reflect recent activity. 
The Original open date is XX/XX/XXXX for XXXX XXXX XXXX in the amount of {$2300.00}. Then the amount was changed in XX/XX/XXXX to {$2300.00}. 
This account is not mine. I have not been a patient at XXXX XXXX XXXX since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
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: Account status incorrect

Complaint:
XXXXXXXX XXXX XXXX on all my credit reports shows I am late 90 days XX/XX/2019 but in XX/XX/2019 I am on time. This needs to be fixed with the credit companies

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: HYUNDAI CAPITAL AMERICA
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
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:
XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2020 KIA MOTORS FINANCE CUSTOMER SERVICE XXXX XXXX  XXXX XXXX XXXX, CA XXXX Attention All applicable In Re : XXXX XXXX XXXX -- -- XXXX Account # XXXX To all Applicable : This correspondence is being forward to your attention seeking your immediate attention on the above-referenced vehicle. On or about XX/XX/202, this account has been settled in full as contractually agreed. In other words, send me any overpayment due along with my vehicle title, IMMEDIATELY. 



Should you have any questions or concerns do not hesitate to contact me at any time, Sincerely, XXXX XXXX Digital Signature encl XX/XX/2020

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 2018-02-05
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I reload my money to this before purchasing it says in booklet that comes with the card if any issies with an purchase I was protected, Well I had an issue with a purchased I submitted a dispute with the company I got an email requesting my purchase documents I submitted them online as requested got an email back from the company stating the documents weren't good enough, So I called the company ( Americian Express Serve ) Iasked what proper documents were needed amd why wasnt it acceptable, I haven't gotten an answer the representative stated they will get back to me friday, I explained to the representative you guys said 10 days to see temporary credit and they should be done with the investigation around that time, I havent received anything they've been still stalling giving me alot of excuses this has to be the worst company very disappointed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: EQUIFAX, INC.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
In XX/XX/2019 a company that already had my information did an unauthorized credit inquiry and Equifax failed to remove it confirmation : XXXX They even have my my name and address wrong that is some horrible credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 have contacted re this inaccurate account listed on my report XXXX XXXX XXXX. I don't know why this information is continuing to be added to my report after deletions.

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 2020-11-22
Company: Experian Information Solutions Inc.
State: MA
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 sent a lot of letters disputing every error that has my credit report, but the credit bureaus don't investigate about my case. I have negative accounts that should not be negative, inquiries I didn't authorized. I want all that away because is affecting my score.

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 2019-08-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Auto loan was paid in full on time. 
The Bank charged off the entire loan due to a late charge I was disputing. I decided to pay the late charge, but because they left the loan open during the dispute It was charged off because of 90 days. I paid the late charge. 
The Bank never sent written notice that the account was going to be charged off unless payment in full was received before a certain time frame. I was making payments on the late charge. 
Its not marked as a paid charge off on Credit reports. It should have never been a charge off at all. The principal of the loan was paid on time. Late charge was the reason for charge off. Unfair practices from Wells Fargo Dealer Services. No written notice was sent to me before account was charged off while I was making payments on Late charges that I was disputing with the office of the president if Wells Fargo Dealer Service

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 2020-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
The following accounts being disputed is unknown and unauthorized by me. I'm asking for these following accounts to be removed from my credit file. 

1 ) XXXX XXXX {$1600.00} 2 ) XXXX XXXX {$170.00} 3 ) XXXX XXXX  {$240.00} 4 ) XXXX XXXX XXXX {$110.00} 5 ) XXXX XXXX XXXX {$860.00} 6 ) XXXX {$47.00} 7 ) XXXX XXXX Account Info

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 2019-08-22
Company: U.S. BANCORP
State: MO
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:
In 2016, I received a letter from US Bank indicating someone attempted to open a credit card using my identity from an unknown address. At that time I reviewed my credit report, saw no activity, but put a fraud alert onto my account. Recently, while applying for new credit, I noted a past due balance with late payment activity on my credit report from US Bank connected to this false address. I contacted the credit bureaus to dispute the activity. XXXX indicated they would not remove this activity from my credit report. I tried calling US Bank to dispute the report, but was put on hold and bounced from number to number for 20 minutes.

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 2020-12-03
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I deposited a check for XXXX in our 5th3rd checking account on XXXX XXXX,2020.Our account was credited with {$3400.00}, an exchange rate of XXXXRecords Show the market rate to be XXXXOur account was shorted about $ XXXXThis fee is not acceptable.I would consider a transaction fee of say {$25.00} to be in the realm of reasonable!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: Elevate Recoveries, LLC
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ELEVATE RECO ( Original Creditor : XXXX  XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: Exeter Finance Corp.
State: CA
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 EXETER FINANCE XXXXXXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions Exeter reported to XXXX that I reside at XXXX XXXX XXXX # XXXX XXXX, Ca XXXX when in fact I do not reside at XXXX XXXX XXXX and the company knows that. I submitted a complaint 78 days ago for the company to be removed from my credit report due to violated multiple federal laws and according to my credit report Exeter finance reported a false address on my report and refused to be removed when I submitted a complaint on XX/XX/. This is a complete violation of my federally protected rights.

Company response to consumer: Closed with explanation