BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-16
Company: Experian Information Solutions 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:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Experian for committing identity theft, I have never given Experian any permission to use any of my identifying information. in accordance with the Fair Credit Reporting act 15 U.S.C 1681 section 602 ( a ) ( 4 ) States I have the right to privacy. Accuracy and fairness of credit reporting. 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. They also violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes. They also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information 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 non-monetary relief
Consumer complaint received 2022-06-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am submitting this complaint against Experian Information Solutions Inc. and there is no third part involved. I did not consent nor authorize you, Experian Information Solutions , Inc to report or furnish these inaccurate and misleading items. You are infringing on my right to privacy which you are not privy to do so therefore this is a violation of the privacy act of XXXX. I do not have a contractual obligation with your company therefore you must delete and update these alleged late payments. I do not give you permissible purpose to furnish these late payments and I prohibit you from doing it in the future. The first complaint was ignored, and this is the second attempt. 

Experian Information Solutions , Inc has been sent two notices over 60 days regarding late payments, yet they still remain on the report. I have attached and provided two letters that have been sent along with the two Certified Mail Receipts that are STAMPED for proof that you have received both letters and still have not updated the account. The first letter is stamped and received for XX/XX/XXXX and the second for XX/XX/XXXX. All proof of identification has been provided to you along with a utility bill also showing proper information. Experian Information Solutions Inc. has not provided me with verification method to " verify '' said accounts with exhibits provided or a copy of written consent and written instructions to furnish these fraudulent and inaccurate said accounts. Reporting a consumer 's personal or financial information without prior consent is a violation of 15 USC 1681 ( a ) ( 4 ) and is a violation of 18 USC 1028A. Several laws have been violated which are listed below : 15 USC 1681b : A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose 15 USC 1681 SECTION A states I have a right to privacy. 

15 USC 1681 SECTION 604 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681i ( a ) : You must complete this reinvestigation within 30 days of the receipt of this letter. 

All proof is attached documenting everything!

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 2017-09-11
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Good Evening, On XX/XX/XXXX a representive from XXXX, based in California contacted me about a debt my father owed to them and asked if I could give them his information. They disclosed to me at that time the debt was on his XXXX XXXX. I did not give them any information and hung up. On XX/XX/XXXX the same company contacted my ex wife about the same situation and disclosed the same  information to her. On XX/XX/XXXX I submitted a better business bureau comlaint against the company to which they never responded and sent them an email telling them to stop contacting me and my ex wife. On XX/XX/XXXX a representative from the same company contacting me saying they would stop contacting me and my ex wife. In the email the representative carelessly left a reprimand they sent to another employee about leaking clients information via mass email. The information I received was that the clients were late on their payments and it included every clients email address. I will give you the email should you ask. Then today XX/XX/XXXX. The company sends a tow truck to my ex wife 's address in UT to collect my fathers car, he lives in CA, and gives her roommate a card with my fathers account number for the claim on it asking her roommate to contact my father about the debt. I have pictures of the card as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: WELLS FARGO & COMPANY
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I was a victim of fraud via Wells Fargo and XXXX. I filed a complaint with Wells Fargo on XX/XX/XXXX, claim # XXXX and XXXX. I filed a complaint with the Federal Trade Commission on XX/XX/XXXX, # XXXX. I filed an Executive Complaint with Wells Fargo on XX/XX/XXXX case # XXXX and with the CFPB # XXXX. Wells Fargo has taken the position they will not reimburse the funds {$1000.00} from my checking and {$2500.00} from my savings, totaling {$3500.00}. I am at a lost for words because Federal Law requires banks to reimburse consumers for this type of fraud through Regulation E. The Electronic Funds Transmission Act was implemented and amended for my exact scenario. It can also be found in the EFTA FAQ 's Errors and Resolutions item # 5. Why is it that no one is holding Wells Fargo feet to the fire and requiring them to reimburse the {$3500.00} that was stolen from me, by an imposter claiming to be a representative of the Bank. Wells Fargo relies on their loyal customers to generate billions of dollars in revenue for them but does not reciprocate the loyalty when vulnerable customers are preyed upon. I simply want to be reimbursed. I also want them to be held accountable to Federal Law the same as 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 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/07 Balance : {$960000.00}

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 non-monetary relief
Consumer complaint received 2022-01-14
Company: Terrill Outsourcing Group
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I returned the company 's repeated calls and was told this was a debt that was for a XXXX XXXX XXXX XXXX XXXX XXXX card that went into default while I was very ill with XXXX and unable to perform my full job duties. I asked the representative to uphold the last offer amount from another collector of XXXX and they demanded to know when I could pay. They said they could honor that offer but would have to pay by end of month. I asked for them to send it to me in writing so that I could fit the payment into my budget and also know it was a legit company. I had an issue with paying a company before that ended up not holding the debt. They would not send it then another person got on the line names XXXX XXXX who said he is the General Manager. I asked him to send the settlement offer to me so I could review it and he demanded to know when I would pay. I told him the other gentleman had told me by the XXXX and he said he wouldn't send the information until I gave him a date. I kept repeating " by the XXXX '' He said things like I don't have the money and other things along those lines. I kept telling him I simply wanted it in writing that they had agreed to the settlement and a way to securely pay online. I didn't want to give the my bank info since they were not being up and up by agreeing to give the info in writing, They kept laughing/giggling and being disrespectful. I tried to explain that my husband is like a toddler right now after having a XXXX XXXXXXXX XXXX and I was not sure the exact date I would be able to sit down and pay bills. They claimed at the end of the cal that they emailed the offer to me and I have yet to receive anything. XXXX said things in veiled threats like " you are on a recorded line and said you have the money ''. I never disputed I owed the money. I just wanted to be able to pay securely and have the offer in writing. I am cleaning up a lot of debt and issues that occured when I had covid and medical bills etc as a result

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
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: Investigation took more than 30 days

Complaint:
I submitted a dispute to XXXX, Equifax, and XXXX well over 30 days ago. I still have not received an update or had the fraudulent and unauthorized accounts removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got letter back stating They do NOT report any bankruptcies to anybody. So if thats the case .How did the credit bureaus verify my bankruptcies as 100 % Accurate they never did a Fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) States ; The term investigative consumer report through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.However such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

The credit bureaus violated my given rights under 15 U.S.C 1681.

According to :15 U.S.C 1681 Section 602 A. States I have right to privacy According to :15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions According to :15 U.S.C 1681 1s-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 information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. 
XXXX Accounts # 1.XXXX XXXX Bankruptcy XXXX XXXX : XXXX XXXX, 2. XXXX XXXX Account Number : XXXX, 3.XXXX Date of inquiry : XX/XX/XXXX 4. XXXX Account XXXX : XXXX 5. XXXX XXXX  Account Number : XXXX 6.XXXX  XXXX Account Number : XXXX 7.XXXX XXXX  Account Number : XXXX 8. XXXX Account Number : XXXX 9 XXXX Date of inquiry : XX/XX/XXXX Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX XXXXDate of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/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 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 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 and I am submitting this complaint about recent disputes sent to the XXXX Credit Bureaus about the inaccurate information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$500.00} XXXX XXXXXXXX Balance : {$4600.00} XXXX XXXX : {$250.00} ( Original Creditor : XXXX ) XXXX Balance : {$240.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXXBalance : {$1400.00}

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 non-monetary relief
Consumer complaint received 2018-07-05
Company: EOS Holdings, Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
EOS CCA is attempting to collect for XXXX XXXX I do not know. I have not received any documented letters from EOS CCA. I checked my credit and found out of this collection. They did not give by law my 30 day right to dispute, and they are in clear violation of the 30 day right to dispute law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Experian Information Solutions 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:
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. 
XXXX Accounts # 1.XXXX XXXX Bankruptcy XXXX XXXX : XXXX XXXX, 2. XXXX XXXX Account Number : XXXX, 3.XXXX  Date of inquiry : XX/XX/XXXX 4. XXXX Account XXXX : XXXX 5. XXXX XXXX  Account Number : XXXX 6.XXXX  XXXX  Account Number : XXXX 7.XXXX XXXX Account Number : XXXX 8. XXXX  Account Number : XXXX 9 XXXX Date of inquiry : XX/XX/XXXX Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX XXXXDate of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/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 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 2022-06-16
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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, 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 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 2022-06-16
Company: EQUIFAX, INC.
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, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX  account XXXX XXXX, XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX card account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX  account number XXXX, XXXXXXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX bank account # XXXX, XXXX XXXX XXXX  account # 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: BB&T CORPORATION
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I am currently in an auto loan with a very high interest rate of 22.9 % ; this  loan was acquired in XX/XX/XXXX. I have been currently paying the amount of {$530.00} per month for a XXXX XXXX XXXX on time each month. My hours have changed at work and upon researching my loan, I owe {$10000.00} more than what my vehicle is worth placing me in an upside down loan. On XX/XX/XXXX, I submitted a letter electronically via the XXXX XXXX XXXX 's website detailing the request to lower my monthly payments. An email was sent on XX/XX/XXXX asking me to contact the company via phone because of privacy issues. I called XXXX XXXX XXXX on XX/XX/XXXX at XXXX and spoke with an customer agent and she was very short, unprofessional, and completely did not want to aid me in my request. Her reply was XXXX XXXX does not rewrite loans. She offered to give me an alternative lending source, XXXX XXXX at XXXX. Upon contacting this lender on XX/XX/XXXX, I was initially approved and then told they could only help me if I came up with a {$7000.00} down payment because again I owe a total of {$18000.00} and my vehicle is only worth roughly at the highest value of {$8000.00}. I think I was taken advantage of since I had just completed Chapter XXXX bankruptcy and had just been successfully discharged in XX/XX/XXXX resulting in me becoming a victim of predatory lending. I also would like to report XXXX XXXX XXXX ( located at XXXX XXXX XXXX, XXXX, GA XXXX ; Phone : ( XXXX ) XXXX ) who seemed negligent to tell me how my loan would work. They assured after successfully completing the auto loan for a year, I would be able to either refinance or trade this vehicle in for a lower price. I initially contacted XXXX XXXX   XXXX in XX/XX/XXXX but to no avail no one is willing to return my phone calls.

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 2022-06-16
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, 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