BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-22
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: Their investigation did not fix an error on your report

Complaint:
XXXX  is reporting late payments on my credit report. 

I recently received a copy of my XXXX, Transunion, and XXXX credit report, And I noticed some late payments posted on my credit report 1.XXXX XXXXXXXX ..ACCT : XXXX1 late payment. XX/XX/2021 30DAYS Your company is in clear violation of the law. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports. THE LAW CLEARLY STATES : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give u written instructions to furnish this late payment on my credit report? 

Furthermore, The FAIR CREDIT REPORTING ACT 15 U.S.C 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Delete the above LATE PAYMENTS from my consumer report, this agency is in violation of 15 U.S. Code 1681 Failure to respond satisfactorily with deletion of the above referenced accounts, and send out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement Of Identity Fraud 3. Fair Debt Collection Practices Act 15 U.S. Code 1692g violations 4. Fair Credit Reporting Act 15 U.S. Code 1681 violations for willful noncompliance - 616. Civil Liability for willful noncompliance [ 15 U.S.C1681n Best Regards, 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 2022-08-22
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:
Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!

Based on, 15 U.S. Code 1666 ( e ) Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00} because I am victim of identity theft! Please remove these accounts 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 2022-04-24
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
it's paid... it was suppose to be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: Experian Information Solutions 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 XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the rights 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 explanation
Consumer complaint received 2022-11-28
Company: HYUNDAI CAPITAL AMERICA
State: DC
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I XXXX XXXX natural person practicing my right to rescind. I have made an attempt on XX/XX/2022 to rescind on this fraudulent contract with XXXX XXXX. I sent Rescission of Contract, Cease and Desist letter Affidavit of Truth. XXXX has not attempted to rebut my Affidavit. XXXX has been continuously violated and Harassing me by continuing to send statement about a debt I do not owe, I Told XXXX to Cease all communications with me and send me the Title to my vehicle.

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 2021-08-03
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On or about XX/XX/2021, I spoke to an Equifax supervisor regarding a creditor not displaying on my credit file. The supervisor advised as a result of a complaint against Equifax, Equifax contacted XXXX XXXX XXXX XXXX to confirm whether or not the credit information was to appear from my file. The supervisor advised between XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX stated to delete open and active accounts from my credit report. The supervisor stated he along with two additional departments he would work to have the accounts placed back on my credit report. He also stated he would investigate and contact me today. 

After, not hearing from the supervisor, I contacted Equifax, and requested to speak to a supervisor. XXXX, ID # : XXXX took the call. XXXX informed me the previous supervisor did not document the matter ; rather the notes, according to XXXX stated to escalate the matter. XXXX, refused to tell me the department in which the matter was escalated to. All XXXX continued to ask me for 40 minutes what did I want to do? I over and over again advise him to read the notes. XXXX continued to state " there were no notes ', 'and if I had a reference number ''. 

For 45 minutes, XXXX, Equifax Supervisor would not assist me in resolving the matter. I continued to tell him I wanted the accounts to be placed back onto my account ; he needed to take the dispute and contact XXXX XXXX to determine what reason they deleted my accounts. XXXX refused to take a dispute ; stating, " you need to contact the creditor ''. I advised I did. 

I ended up disconnecting from the call. I have never experienced the blatant disregard from a supervisor I did from XXXX. His refusal to gather information, to look into the matter, take a dispute if needed, or simple research the notes was unprofessional and disrespectful to me and his duty. I disconnected the call without the matter being resolved. 

To date, Equifax has not fixed the false information or investigated the false information reported to Equifax, as a result, the account is not displaying on my report. Their action has caused an injury to my credit score. The aforementioned is an ongoing matter with XXXX XXXX XXXX XXXX XXXX. It Equifax and XXXX XXXX are working together to dismantle all the hard work I have done to improve my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
I was placed in forbearance due to being part of the Borrower 's Defense program however I elected not to be in forbearance. Student loan repayments were to start this month and I am on PSLF and need to be making payments. On XX/XX/23 I spent 1 hour and 34 minutes on hold with MOHELA to speak to representative who informed me that I was going to be removed from forbearance and my first payment would be on XX/XX/23. As of now I am still not removed from forbearance and there are no scheduled payments. This affects my PSLF. I also do not have hours to continue to wait on hold to try and have this removed, again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, 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'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX 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 2022-11-28
Company: TOYOTA MOTOR CREDIT CORPORATION
State: DC
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have sent Toyota Motor Credit Corp. an invoice on XX/XX/2022. This invoice is a breakdown of charges for the violations committed by this company. There will be an attached copy of the invoice sent previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/2022 I sent certified letters to Experian, XXXX, and XXXX regarding derogatory reporting and incorrect names/addresses/employers on my credit reports. All three bureaus stated that the information was removed but this is incorrect. I sent additional letters on XX/XX/2022 regarding the same issues, to which their response was the same. The last attempt was sent priority first class on XXXX XXXX, 2022. My name is misspelled, there are incorrect addresses, and past employers. I have included a copy of my driver 's license, social security card, and proof of residence with no adjustments to my credit reports. There are two accounts specifically that were reporting 30 days past due and I asked for verification with no response from XXXX, XXXX, or Experian.

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: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In XX/XX/2022 a transfer of {$14000.00} was done from my saving account to my checking account in Wells Fargo, I was notified XX/XX/2022 in Wells Fargo Bank in XXXX XXXX, XXXX, Fl that this transfer was done via phone call. The teller of the bank notified my that there were some charges in my checking account in the XXXX, Tx area done XX/XX/2022 up to {$7600.00} and that the pin number of my debit card was change. I called the costumer service from my office number, because my cellphone was not working and they couldn't help me in the branch, I notified them that the transfers or/and the charges in Texas were not mine, the bank froze the account and open an investigation that lasted 10 business days ( 2 weeks ) and they concluded that there wasn't any fraud indication, even knowing that the branch manager or the Wells Fargo in XXXX Texas XXXX XXXXXXXX XXXX contacted me and let me know that a woman came to her bank with a Florida Id and attempted to withdraw {$4000.00} from my account, but she denied the withdraw when she noticed the unusual charges done that day ( XX/XX/2022 ) and she wasn't able to answer some questions correctly. My online banking sent me emails that the password has been change I called the bank again and notified them that wasn't me to please XXXX everything. I also had a separate issue were a XXXX XXXX credit card was open and charge with {$3800.00} and I am unable to open a police report here in XXXX, Fl or in XXXX, Texas because I need a fraud affidavit from the bank which would not be provided. In conclusion, the bank failed to secure my money, didn't notify me of unusual charges in a different state and I lost {$7600.00} and the bank is not taking responsibility and is victimizing even more a victim of Identity theft and bank fraud.

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 2022-07-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/2022 I sent certified letters to XXXX, Equifax, and XXXX regarding derogatory reporting and incorrect names/addresses/employers on my credit reports. All three bureaus stated that the information was removed but this is incorrect. I sent additional letters on XX/XX/2022 regarding the same issues, to which their response was the same. The last attempt was sent priority first class on XXXX XXXX, 2022. My name is misspelled, there are incorrect addresses, and past employers. I have included a copy of my driver 's license, social security card, and proof of residence with no adjustments to my credit reports. There are two accounts specifically that were reporting 30 days past due and I asked for verification with no response from XXXX, Equifax, or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act, XXXX XXXX and XXXX XXXX  Account Number XXXX. Inquires as follows XXXX XXXX and XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
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:
Equifax is enabling identity fraud. I am a victim of Identity Theft and somehow equifax keeps verifying fraudulent items on my credit report. Equifax is not adhering to section 605 and blocking the information from my credit report. This is defamation of character and the enablement of identity fraud. I have sent all the required documentation to Equifax : FTC affidavit, ID, and the accounts that are frauduluent. The fraudulent items on my credit report are XXXX XXXX and US Dept of Treasury XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: EQUIFAX, INC.
State: NV
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, 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. The following Account ( s ) : Debt Collector : XXXX XXXX XXXX Account # XXXX Amount : {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: WAKEFIELD & ASSOCIATES, INC.
State: OH
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:
Reviewed my credit report and a medical account was added I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission toto XXXX XXXX XXXXXXXX # XXXX, WAKEFIELD & ASSOCIATES I # XXXX, XXXX XXXX XXXXXXXX XXXX to release my medical information to a third-party. I am aware that HIPPA does allow for limited information about me but anything more than toto XXXXXXXX XXXX XXXXXXXX # XXXX, WAKEFIELD & ASSOCIATES I # XXXX, XXXX XXXX XXXX XXXX is to only be revealed with the patients 'authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act, XXXX XXXX and XXXX XXXX Account Number XXXX. Inquires as follows XXXX XXXX and 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 2022-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 # 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 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 2022-08-21
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:
Account Name : XXXX XXXX XXXX Account Number : XXXX In 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 an 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 2022-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On or about XXXX XXXX, I checked my credit scores on the website XXXX XXXX. 
Transunion indicates a XXXX point drop. Also, Transunion indicates that I paid off a debt of {$5400.00}. Usually when debt is paid off, credit scores increase by several points, not decrease. 
Furthermore, the account indicated by Transunion is not and has not been paid off. 
Of the other free credit score sites I use, there is no indication from the other credit reporting agencies that my score dropped.

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 2022-08-21
Company: Regional Management Corporation
State: WI
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:
Company Regional Finance Corporation located at XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX Wisconsin XXXX XXXX is reporting debt information TWICE on my credit report ACCOUNT NUMBER XXXX which is illegal and violation of the FCRA.Also reporting this debt is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Minnesota XXXXThis is illegal and should be removed from my credit reports from all 3 credit bureaus from the original creditor thank u.

Company response to consumer: Closed with explanation