BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-23
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 2023-10-16
Company: Experian Information Solutions Inc.
State: TN
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 not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: MA
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 am writing to formally dispute inaccurate information on my Experian credit report. On XX/XX/XXXX, I contacted Experian regarding the following incorrect information on my credit report. To this date, they have not responded. Below, I have provided the details of the inaccurate information and the required corrections : The following account is not mine : Creditor : XXXX, XXXX. 
Account Number : XXXX Open Date : XX/XX/XXXX Credit Limit : {$900.00} Please remove it from my credit report. 

You are reporting the XXXX XXXX  XXXX XXXX account incorrectly : Date Opened : XX/XX/XXXX Reported Balance : {$2300.00} I dispute the reported balance, as I believe it to be lower. 
Remove the information regarding the Past Due amount, as this account is closed and charged-off. 
Please mark this account as disputed to prevent its negative influence on my credit score. 

The information on the XXXX XXXX  XXXX XXXX account is inaccurate : Date Opened : XX/XX/XXXX Reported Balance : {$680.00} The reported balance is higher than I remember. 
Remove the Past Due amount as this account is closed and charged-off. 
I plan to contact the creditor to clarify the reported data. 
Until corrections are made, please mark this account as disputed. 

I request verification of the XXXX  XXXX account : Date Opened : XX/XX/XXXX Reported Balance : {$6300.00} The reported balance is inaccurate, and I believe it should be lower. 
Remove the Past Due amount as this account is closed and charged-off.

Please mark this account as disputed while I resolve my dispute with the creditor. 
Also, verify the Date Opened, Date of Status, and First Reported.

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 2022-06-23
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Opened an account with Wells Fargo yesterday. Once opened I was denied access to the account due to someone elses information being attached to it. The verification number is not mine and Wells Fargo continues to prevent me from changing it. Theres a Georgia address attached to the account thats not mine. Original account was opened in 2013 but I didnt open it. They tell me to go into the branch and they will fix it immediately and I did but they didnt do anything. They rudely told me to make an appointment. I cant access the account. Someone who is not me has all of the access. Wells Fargo knows all of this and is unconcerned and dragging their feet to address it :

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: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair Credit Reporting act XXXX Account XXXX 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I dont not owe this debt with Well Fargo and I dint not have a contract with the company but they reporting on my credit report.

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 2022-09-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/XXXX, I entered into a consumer credit transaction with Capital One Auto Finance via XXXX XXXX XXXX in XXXX, Texas. Upon identifying the vehicle that I wanted, the salesman immediately began to tell me that I would have to pay a cash down payment or trade in a vehicle that would be of comparable cash value. To finalize the credit transaction, I was coerced into trading in my XXXX XXXX XXXX, identified by VIN # XXXX, which the dealership gave an assessed cash value at {$7500.00}. A cash down payment in connection with a finance charge is a illegal. The Truth In Lending Act also defines the Finance Charge as the sum of all charges, but that is not what the contract states in reference to this consumer credit transaction. I was also required to obtain and maintain insurance on the vehicle, even though the insurance was supposed to be included in the Finance Charge. Capital One Auto Finance XXXX XXXX XXXX XXXX also failed to provide me with required disclosures pursuant to the Truth In Lending Act. It appears to me that there was intent to defraud me as a consumer from the onset of this consumer credit transaction. The transaction can be referenced by sales contract ; Deal # XXXX, XXXX # XXXX, VIN # XXXX. I've also attached copies of pages from the contract which evidences multiple TILA violations, labelled as XXXX VIOLATIONS '.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair Credit Reporting act XXXX Account XXXX 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without 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 2022-06-23
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The account is a collections account reported on XXXX and XXXX from XXXX in the amount of {$770.00}. 

I was laid off from my job because of Covid-19, which was around XXXX of XXXX. 
Considering, I have lost my Health benefits as well. I had to apply for health coverage from the state.

My Health policy with Health First was not effective until XX/XX/XXXX of XXXX, but however, I was told by a Rep from Health First, that I was able to use my coverage before hand and everything will be fine. 

So, I used my coverage on XX/XX/2020 because I was exposed to Covid-19 and it was an urgency that I go get checked for myself and family. 

The Clinic took my coverage and assured me that everything was good to go. It has been over 2 years and I'm just now receiving letters in the mail, starting a month or so back, stating this amount. The letter never stated that my coverage did not cover that visit. Also, was unaware considering that me and my father have the same exact name. I haven't received any notice stating that it was not covered at all around the time went to be tested for Covid-19, etc ... and it has been over 2 years..

Now its being reported on my credit report as an collections account and I would like for this to be removed from my credit report immediately due to Covid-19, false information given to me and lack of communication regarding this matter. Don't think I was treated properly in this matter.

I was completely unaware that I was not able to use my coverage before the effectiveness of my policy and was told I could by a rep.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: QuadPay
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I've been attempting to reach someone at quadpay whom can help me for months. 4 months after first attempt I received response regarding late fees. They are taking way too many payments for accounts already paid or from multiple accounts..

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: Ocwen Financial Corporation
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I believe there was false documents record on my house by PHH Mortgage. The Vice President of PHH Mortgage name is not XXXX XXXX. XXXX XXXX is the one that signed the document. I am enclosing document XXXX XXXX has sighed that on not offical documents. I enclosing different document done by the doc company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX n accordance with the Fair Credit Reporting act 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 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 2022-10-28
Company: Professional Recovery Management
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
As of XX/XX/XXXX Fox Collection Center XXXX XXXX XXXX XXXX TN XXXX XXXX is in violating in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information known to be false, can not be reported to any credit bureau , I request that you immediately delete this information from my credit reports. 
USPS # XXXX, Reference : XXXX, Acct : XXXX, Dispute non-responsive after 30days, I enclosed a copy of my dispute letter USPS # XXXX requesting validation through two points of contact. First by electronically mailed and then through certified mail, in which Fox Collection Center have failed to respond to either one. 

First, you received the electronic mail on XXXXXXXX XXXX through the CFPB complaint database and failed to provide proof of validation within the 30 days. 

Second, you received another copy by certified mail on XX/XX/2022 requesting validation. 
Even so, you have failed to respond to either request. 
This letter dated above shows it has been more than 30 days and FOX COLLECTION CENTER have failed to validate show any proof within the 30 days even with the given grace period to respond by mail. 

Please send me a copy of my updated credit report as soon as the above has been completed. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2022-04-24
Company: Experian Information Solutions 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:
THE DISPUTED ACCOUNTS ARE CLOSED AND REPORTING AS DEROGATORY ON MY CREDIT REPORT. THEY ARE NOT LIABLE TO ME AND I WOULD LIKE TO HAVE THEM REMOVED.

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 2022-06-23
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have a business credit card I have for my business XXXX XXXX XXXX. My business is in control of the account and responsible and its al under the business credit and tax ID. American Express in house XXXX XXXX  XXXX XXXX @ XXXX. They contacted an old employee that had a company card as a user and not administrator authority and was very abusive to XXXX XXXX who no longer is even a credit card user for the company. They were very rude to XXXX and released private info to her about balance owed and even tried getting her to pay the balance due! They gave a 3rd party private info about XXXX XXXX XXXX financials and issues and tried collecting money from somebody whom is not a responsible party or involved with the company in that way. This is a very serious matter and needs to be dealt with as I now have a 3rd party person aware of my companies personal financial situation! They need to be held responsible for this release of private info. They record there calls so this all can be proved with review of this call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: FL
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2023-12-15
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have added Equifax to remove a medical bill from credit report, and it hasn't been removed. XX/XX/2023, XXXX XXXX under {$500.00} would no longer appear on consumer credit reports. I requested removal on XX/XX/2023, and it hasn't been removed. I didn't ask for debt validation.

Company response to consumer: In progress
Consumer complaint received 2022-06-23
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: Reporting company used your report improperly

Complaint:
Inquiry 's hard and soft on report 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 explanation
Consumer complaint received 2022-06-23
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: Information belongs to someone else

Complaint:
I have recently obtained a credit report due to my application being denied for a new apartment, upon going over my report I noticed a few derogatory marks, including unauthorized inquires. I have not authorized the items that have been reported. I have done my best to try to fix this with credit repair services, the credit collection companies themselves and still nothing has given. This has become an absolute financial burden as I am a single mom and I have invested all the time and money I could to get this hindering problem away.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-01-26
Company: Professional Credit Management, Inc
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001 Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. All is being investigated by the FTC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-23
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I turned in a XXXX XXXX lease in XX/XX/XXXX. 

Over the next 3 months, I asked if there were any fees due with turning in the car. In at least 5 instances, I was told no fees were due. 

Now 18 months later, the finance company is threatening to send my account to collections for a {$1200.00} invoice that was just sent to me today.

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