BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-20
Company: Experian Information Solutions Inc.
State: TX
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:
On XX/XX/2022 I disputed by mail the fairness and accuracy of experians reporting of several items on my consumer report. In experian response they claimed to have conducted an investigation and said the items were verified and would remain on my report. On XX/XX/2022, I requested by mail or experian to provide there method of verification for each item ; I requested that experian provide the SSA-89 form with my wet-ink signature, a necessary form requisite by way of written permission to utilize property of the social security administration ; and I requested that experian provide me with proof of my written consent to consumer reporting with experian which would also require a SSA-89 form. experian never responded to such requests or the CFPB Complaint ID XXXX regarding these requests. experian only opened another dispute for the items instead of providing the proof I requested from them that reporting these accounts is fair and accurate. 
On XX/XX/2022, I received confirmation via the CFPB ( complaint ID XXXX that experian was in receipt of 1. ) appropriate proof of the identity of the consumer ( me ) ; 2. ) a copy of an identity theft report filled out by me ; 3. ) the identification of the information reporting as a result of identity theft both in my identity theft report as well is in my statement ; 4. ) my statement by me, the consumer, that the information is not relating to any transaction by me, the consumer. All this information was provided in accordance with 15 U.S. Code 1681c-2 - Block of information resulting from identity theft. 15 U.S. Code 1681c-2 ( a ) BLOCK states Except as otherwise provided in this section, aconsumer reporting agencyshall block the reporting of any information in thefileof aconsumerthat theconsumeridentifies as information that resulted from an allegedidentity theft, not later than 4 business days after the date of receipt by such agency of - the above referenced information I received confirmation experian is in receipt of. As of XXXX, XX/XX/2022 it has been 5 business days since experian has been in receipt of the four requirements of this section of the FCRA and experian has not blocked and removed the items. experian has still not provided the SSA-89 form for proof of consent of experian reporting of my information nor the SSA-89 forms for each alleged creditor as proof of consent for furnishing my information.

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 2022-06-06
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
After countess years of dealing with misinformation and incorrect statement information a repossession occurred. West Lake financial regained possession the vehicle.At this point I owe {$6000.00}. After sometime I noticed the balance increased to {$6100.00}. After reaching out several time to answers I was met with a court order. I was baffled because I no longer possessed the vehicle. The court date finally arises for myself and West Lake Financial. I am waiting for over thirty minutes. The judge dismisses the case due to a failure to show up ( West Lake Financial ). I was given court documents to prove it was dismissed. I received and alert from my credit monitoring service stating that the balance once again increased. The increase occurred between XXXX and 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 2022-04-23
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Citi Cards isnt resolving a double reversal. I have contacted them every week for 6 weeks. They have confirmed it is their mistake and they are working through their process to resolve. It has been 60 days. They have given me a credit on the interest accruing on both my XXXX And XXXX statements, however the last person I spoke with said they were waiting on the investigation team to resolve as it is now a billing issue but they can see its a double reversal. No matter who I speak with they will not solve the issue for their mistake. It is for over {$2000.00}.

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 explanation
Consumer complaint received 2022-06-22
Company: Experian Information Solutions 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:
This is beyond ridiculous! This account needs to be deleted IMMEDIATELY!!! I have sent several disputes to Experian. They have failed to thoroughly investigate this account. I have the right to receive information used to validate this account. They have a responsibility to report correct information. Having negative information on my credit file affects me negatively.This account couldn't be validated by XXXX this same account was removed by XXXX. I submitted a screenshot of CFPB complaint XXXX the XXXX account removed by XXXX. I filed a CFPB complaint on Experian to remove the XXXX  they stated it was " validated ''. If the account is validated why have I yet to receive validation.I requested numerous times by mail. I have not received validation as requested by mail. The response received today XXXX was electronically. I will attach the last letter I sent to them clearly requested to receive documents used to validate this account by mail. Experian ILLEGALLY changed the balance from {$1800.00} to {$6500.00}. I will update screenshots from their website showing before and after. How are they allow to do this to people? Experian is a credit bureau for profit it seems. It will NOT be at my expense. Experian has continued to ignore my requests this is unfair they should not be allowed to do people like this. They should not be able to respond validated. This has cost me time and money.

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 2022-10-27
Company: EQUIFAX, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 informationisinaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
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:
42 U.S. Code 1320d9 - Application of HIPAA regulations to genetic information The Secretary shall revise the HIPAA privacy regulation ( as defined in subsection ( b ) ) so it is consistent with the following : ( 1 ) Genetic information shall be treated as health information described in section 1320d ( 4 ) ( B ) of this title.

( 2 ) The use or disclosure by a covered entity that is a group health plan, health insurance issuer that issues health insurance coverage, or issuer of a medicare supplemental policy of protected health information that is genetic information about an individual for underwriting purposes under the group health plan, health insurance coverage, or medicare supplemental policy shall not be a permitted use or disclosure.

( 3 ) HIPAA privacy regulation The term HIPAA privacy regulation means the regulations promulgated by the Secretary under this part and section 264 of the Health Insurance Portability and Accountability Act of 1996 ( 42 U.S.C. 1320d2 note ).

I have disputes regarding information that is being reported in my credit file. 
XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX Neither XXXX, XXXX, nor Experian can accurately validate/verify the debt owed as it is not allowed under the HIPPA Privacy Rule.

15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

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 2022-08-20
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/2022 I disputed by mail the fairness and accuracy of equifaxs reporting of several items on my consumer report. In Equifaxs response dates XX/XX/2022 they claimed to have conducted an investigation and said the items were verified and would remain on my report. On XX/XX/2022, I requested by mail or equifax to provide there method of verification for each item ; I requested that equifax provide the XXXX form with my wet-ink signature, a necessary form requisite by way of written permission to utilize property of the social security administration ; and I requested that equifax provide me with proof of my written consent to consumer reporting with equifax which would also require a SSA-89 form. Equifax never responded to such requests or the CFPB Complaint ID XXXX regarding these requests. Equifax only opened another dispute for the items on XX/XX/2022 instead of providing the proof I requested from them that reporting these accounts is fair and accurate. 
On XX/XX/2022, I received confirmation via the CFPB ( complaint ID XXXX ) that Equifax was in receipt of 1. ) appropriate proof of the identity of the consumer ( me ) ; 2. ) a copy of an identity theft report filled out by me ; 3. ) the identification of the information reporting as a result of identity theft both in my identity theft report as well is in my statement ; 4. ) my statement by me, the consumer, that the information is not relating to any transaction by me, the consumer. All this information was provided in accordance with 15 U.S. Code 1681c-2 - Block of information resulting from identity theft. 15 U.S. Code 1681c-2 ( a ) BLOCK states Except as otherwise provided in this section, aconsumer reporting agencyshall block the reporting of any information in thefileof aconsumerthat theconsumeridentifies as information that resulted from an allegedidentity theft, not later than 4 business days after the date of receipt by such agency of - the above referenced information I received confirmation Equifax is in receipt of. As of XXXX, XX/XX/2022 it has been 5 business days since Equifax has been in receipt of the four requirements of this section of the FCRA and Equifax has not blocked and removed the items. Equifax has still not provided the SSA-89 form for proof of consent of Equifax reporting of my information nor the SSA-89 forms for proof of consent for each alleged creditor furnishing my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine.

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 2022-06-06
Company: CarMax, 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: Credit inquiries on your report that you don't recognize

Complaint:
There are four ( 4 ) inquiries appearing on my XXXX Credit report from XX/XX/2021 that I did not authorize. I have contacted and disputed these with XXXX and they refuse to remove and also refuse to provide information on how they verified these accounts or provided me with a document with my original signature authorizing these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have attached 3 FTC reports with inquiries I did not authorize and would like to have them deleted

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 2022-08-20
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/XXXX Had my Bank Regions Bank wire XXXX XXXX XXXX XXXX for a XXXX XXXX XXXX XXXX Had purchase contract. Shipment bill. Stated would recv truck in 3 days. After no response by Wednesday called Branch to get advise and made an appointment XX/XX/XXXX and filed fraud complaint and stop to get my money back. Rep from Bank was XXXX XXXX and he told someone will contact me in 48 hrs. No call back and call back and XXXX gives me a wire # to call and they tell me I have to have a pin # call back and speaks to manager XXXX XXXX who tells me no updated info and if they got my money back it would be in my account and he said you requested the wire. I told him abt the pin and he said he used his pin and see No updates. So by this time I am so upset with this Regions Bank. Early that week I report to all Federal reserve file a police report and with the FBI.. This is a lot of money to me. Call the bank and no would talk to me leaving messages. So finally Saturday morning on the XXXX of XXXX XXXX XXXX I finally get him and prior to this call I have been trying to call the bank that recvd the wire and I asked XXXX XXXX do you freeze the account and did you notify the other bank and he told me you are suppose to do that. I said I have but I dont use this bank and you also have to have a pin. So I am furious at this point why this bank has not taken proper procedure and top priority on a fraud complaint. I continue to call the other bank that recvd the wire and it was XXXX XXXX XXXX and they finally let me talk to someone in there fraud dept which was very nice. She explained to me that my bank contacts them to advise them there was a fraud wire and and freeze the account which they still can see were money goes.. This is Still the XXXX XX/XX/XXXX now we are 2 weeks in and decided to call another branch to see if I could get some more information on my wire or anything.. So I call XXXX XXXX finally speaks to Manager her name was XXXX and I explain my situation on fraud wire and she says you need to call the branch that did the branch that did the wire. I stated I cant get them to return my calls and I dont thing they know what their doing. I said if your not going to help me then I need the person to speak higher higher up. This is XXXX this is a lot off money to me. She finally said let me call to the wire dept and see what I can find out.. XXXX comes back to me and says they have never received anything and I said no I came into the branch on XX/XX/XXXX and filed my fraud claim to stop wire it was fraud scam and she said again it wasnt stopped! But I will send XXXX XXXX XXXX an email and give instructions what he needs to done and said 2 weeks have passed.. OMG. I did file a complaint to the bank and yet to receive knowledge that even happened..

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 2022-08-20
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting Act 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 instruction.

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 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE ATTACHED LETTERS.

Company 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 2022-06-22
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
" My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES 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 non-monetary relief
Consumer complaint received 2022-06-22
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: Was not notified of investigation status or results

Complaint:
" My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES 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 non-monetary relief