BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX : {$6100.00} ; XXXXXXXX XXXX XXXX  XXXX Balance : {$1300.00} ; XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$670.00} ; XXXX XXXXXXXX XXXX. XXXX ( Original Creditor : ) XXXX Balance : {$930.00} ; XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1300.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXXXXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2023-03-11
Company: OPORTUN FINANCIAL CORPORATION
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681a ( 2 ) ( A ) ( i ) : Exclusions. The term " consumer report '' does not include ; any, report containing information solely as to transactions or experience between the consumer and the person making the report.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I noticed that XXXX XXXX XXXX  was pulling my credit and I called them to ask them what they were pulling my credit on and they told me they were trying to pull it on two things Capital One from XX/XX/XXXX and XXXX from XX/XX/XXXX. So this one that is 15 years old & one that is 26 years old. They were both discharged in bankruptcy 13 years ago but they're still pulling my credit they can't prove that I owe the debt they can't prove that they have the right to go after this debt and they can't prove that they're out the right after the limitation that has expired

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Early Warning Services, LLC
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Actions Taken : I am writing to address an issue related to my information being shared with Early Warning Services. To my knowledge, there has been no formal written instruction from me, either express or implied, authorizing the sharing or furnishing of my information with Early Warning Services.

I have reviewed my credit reports and found that my information has been shared with Early Warning Services without my explicit consent. This is concerning, as I believe this action may have an impact on my privacy and financial security. 

I have contacted the relevant parties involved and followed the necessary steps to rectify this situation. However, I have not received a satisfactory resolution to date. 

I kindly request that Early Warning Services promptly cease the sharing of any information pertaining to me, and that you confirm in writing once this process has been completed. 

Please be advised that this request is in accordance with my rights under federal law, and I expect full compliance with this request in a timely manner. 

Thank you for your attention to this matter. I look forward to your written confirmation of the completion of this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Autovest, L.L.C.
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This account Is Passed the California Statute of limitations for debt collections. This auto loan was originally owned by XXXX XXXX XXXX who then sold it to Autovest llc.. 
This account went into collections from XXXX XXXX XXXX The last update was XX/XX/XXXX. 
I disputed this account with XXXX for this exact reason and it was originally removed from my report. It wasn't until they sold this debt to Autovest LLC. that it was put back onto my report illegally I have never had any form of contact from Autovest LLC. 
As of today, XX/XX/XXXX, this account is 11 months passed the statute of limitations for debt collections in the State of California ( statute of limitations for debt collections is 4 years in California ). This is an FCRA violation and needs to be removed from all credit reports.

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 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Hello, I am writing to dispute the negative information on my credit report regarding my XXXX XXXX XXXX account the account number is XXXX respectively. 

I believe that the information on my credit report is incorrect and unfair. I have been a responsible borrower and have always made my payments on time. However, due to unforeseen circumstances, I was unable to make a timely payment on the XXXX XXXX XXXX account. I had a major injury in the left arm during XXXX and had to get a XXXX done. I had to physical therapy for the next 3 months and could not work. I paid back my due bill on XXXX as soon as I was able to get back to work. I was late there for 120 days and then paid them back. But XXXX XXXX XXXXXXXX closed my card and reported the late payments. 
I understand that late payments can have a negative impact on my credit score, but I am requesting that you remove the item from my credit report as it is not a true reflection of my creditworthiness. I have since paid off these debts and have taken measures to ensure that I do not miss any payments in the future. 

I would like to bring to your attention the Fair Credit Reporting Act ( FCRA ) which requires that all information reported by credit bureaus be accurate, fair, and substantiated. The FCRA also mandates that consumers have the right to dispute any inaccurate information on their credit reports. 

I would greatly appreciate it if you could investigate the matter and remove these items from my credit report. I am willing to provide any supporting documentation to help resolve this matter. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it 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 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.

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 2023-10-26
Company: BRIDGELOCK CAPITAL
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage
Sub-issue: Changes in loan terms during or after closing

Complaint:
I started the process to buy a house in XX/XX/XXXX and signed a purchase contract in XX/XX/XXXX to buy my house where I live for {$750000.00}. The process I did it through the buyer agent XXXX XXXX who was my financial advisor, insurance agent and business coach. The purchase ended signing documents on XX/XX/XXXX. I never saw, signed or received copy any loan document before that day XX/XX/XXXX. I only got copies of the signed documents and other documents related to purchase until couple of weeks ago when I contacted the title company and I got acccess to portal to download all documents. In those signed documents dated XX/XX/XXXX I saw there was a second contract dated XX/XX/XXXX for {$820000.00}. I never cancelled the first contract dated XX/XX/XXXX or either changed the purchase price. Since I was trusting XXXX XXXX she was doing the purchase process correctly she handled all documents. It was until few weeks ago that I saw the final documents that I find out that the loan officer was same listing agent XXXX XXXX XXXX real estate agent license XXXX XXXXXXXX and Loan XXXX NMLS license # XXXX working for company Bridgelock Capital DBA Peak Finance Company. I never talked in person, telephone or email directly with him. He only speaks XXXX, and my main language is XXXX. I never received or got explanation Loan estimate, closing cost and never received appraisal either for which I gave my credit card information to pay for it. I was offered to buy for {$750000.00} and documents say i bought for {$850000.00}. I was told different things : initially seller will finance property directly, that property received multiple offers and after researching I found out property was listed 4 times and last listing only received 1 offer. In second purchase contract when I downloaded from title company portal, I found out also that I was changed from XXXX XXXX as buyer agent to XXXX XXXX who is related but I only saw the day I received the keys.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 recently submitted a complaint against TransUnion and XXXX regarding collection accounts from XXXX XXXX that are listed on my credit reports. TransUnion and XXXX consistently list these accounts as VERIFIED and UPDATED without providing me their methods of verification for these alleged debts.

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 2023-11-15
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: Personal information incorrect

Complaint:
Notice To all Credit Reporting Agencies Listed with CFPB : As Of XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Last XXXX SSN # XXXX XXXX XX/XX/XXXX Phone : XXXX Self Employed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX email : XXXX To ALL CREDIT REPORTING AGENCIES : Please update your profiles to reflect the current name and address of my credit profile. Please delete/erase any other names, address, employment and phone number. 

The information provided in this notice will start from the date provided until I personally update otherwise. This is my ONLY name, mailing address, date of birth, phone number and employment status. 
Please REMOVE all other name ( s ), address ( es ), employers, emails and id numbers attached to my credit profile as they are NOT deliverable to me by U.S. Postal Service and they are not reportable as per FCRA since they are inaccurate. 

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 2023-05-08
Company: Experian Information Solutions Inc.
State: NY
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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. 

Account name : XXXX Account number : XXXX, Account name : XXXX XXXX Account number : XXXX, Account name : XXXX Account number : XXXX, Account name : XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account number:XXXX**, Account name : ( Original Creditor : ) Account number : XXXX, Account name : ( Original Creditor : ) Account number : XXXX, Account name : ( Original Creditor : ) Account number : XXXX, Account name : ( Original Creditor : ) Account number : 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 2023-12-22
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: NV
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Yes, I have called multiple time. In order to make a dispute for the transaction that I didn't make, I only made the success of getting a new card but I had to wait about an hour just to get help. and the rep has told me to called again once everything has been posted for the unauthorized transaction. and once I called again it was another hour of waiting, in order to get help and once they transfer me to a new department I had to wait about another 30 mins but i never gotten help so i had to hang up the phone and i was tired of waiting!! this is getting out of control, I have other things to do as well. Other than that I need these transaction gone from my statement since i didn't do it. 

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 monetary relief
Consumer complaint received 2023-11-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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 attempted multiple times to dispute hard inquiries on my credit report from experian and XXXX and they refuse to remove them. They claim that they are accurate and I have disputed that they did not have my authorization.

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 2023-12-04
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting a Metro 2 Compliance review on these unknown accounts on my credit report that lack information that makes the account unverifiable.

I feel it is best to release your reporting of this disputed information at once I will have no choice but to commence the unpleasantness of Section 1024.35 ( Notice of Error ) under Regulation X ( CFPB regulation ) that confirms my private right of action directly against your firm for FAILING to respond and CONTINUING to report disputed information after direct notice of said dispute was provided. You have 5 days to comply and provide a written notice of the suspension of this item pending the resolution of the investigation action or face litigation. Here now and forever annul all account records of derogatory, adversary, or else wise deficient of proof of full of reporting compliance ( be it FCBA, FCRA, FDCPA, Metro 2 Compliance, or else whether mentioned or not ) claims or aspects of claims associated. PLEASE DELETE/REMOVE THE FOLLOWING ACCOUNTS : 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 2023-10-07
Company: Experian Information Solutions Inc.
State: OK
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 records 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 things 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Maximus Education, LLC dba Aidvantage
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Aidvantage is a nightmare. It always takes OVER AN HOUR to get through to a representative. Once you get someone, they are unhelpful, standoffish ( XXXX hung up on me ) and give you incorrect information about your loan. I've been trying to switch my repayment plan to SAVE for weeks now, I thought it was complete after speaking with a rep, then a week later I get another letter from them saying, you have to call us if you watch to switch your plan, so apparently the person on the phone that I had to wait an hour to speak with, did absolutely nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: Netspend Corporation
State: SD
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I received this email : Dear XXXX, We've noticed that you haven't used your Netspend All-Access Account account ending in XXXX, in quite some time. To avoid losing access to your account, please log in online to view all of the features that you have available or to order a new card if needed. 

Sincerely, Netspend All-Access XXXX The Netspend All-Access Account is a deposit account established by XXXX, XXXX XXXX XXXX Member FDIC XXXX Netspend is a service provider to XXXX, XXXX. Certain products and services may be licensed under U.S. Patent Nos. XXXX and XXXX. 
Netspend Corporation XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX Netspend Corporation XXXX All rights reserved worldwide. Netspend is the federally registered U.S. service mark of Netspend Corporation. All other trademarks and service marks belong to their owners.

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