BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Late reports need to be removed Accounts Ever Late 2 Also the enquiries need to be removed XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX X Account Type Installment Loan Date Opened 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 2022-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TRANSUNION, LLC is BREAKING THE LAW. TRANSUNION, LLC is reporting private information on my consumer report and file that was meant to remain private. This is an invasion of my privacy and immediate and prompt attention to this matter is required. Also, TRANSUNION, LLC furnished my consumer report on XX/XX/2022 without my consent to XXXX XXXX as there was an extended fraud alert that stated I needed to be contacted via phone to get consent. This was not done as I was alerted that my consumer report and file was provided without my consent.

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 2022-02-09
Company: PENTAGON FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I contacted Penfed and submitted the FTC report to confirm that my account was used fraudulent. I am not 100 % of whom might have used my account but I am only assuming because the bank was pressing me for information. Within 5 days my dispute for XXXX and XXXX XXXX were declined. They said it was declined because I knew the person who commented this crime. I am making a guess as I do not know who could have 100 % done these transactions totaling over 1,000.

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 2022-02-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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:
I had a job then caught XXXX XXXX and lost the job and that is why rhe card was not paid for awhile. Just recently a week or two ago I paid XXXX dollars toward said capital one XXXX and it still says I owe XXXX and I should only owe XXXX. I attached a picture of the account and the remaining balance is only XXXX dollars not XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
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:
When I called a representative kindly agreed to have this late payment removed from my account now that it has been paid in full and I have since been on time with all recent payments. XXXX XXXX  ACCOUNT # XXXX Pursuant XXXX5 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) The report contains information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( XXXX XXXX ) Making the report is NOT INCLUDED on my Consumer report! 
A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

THE COMPANY HAS VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Sentry Credit, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Current creditor XXXXXXXX XXXX XXXXXXXX Account # ending in XXXX Agency account # XXXX {$1300.00} Collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX wa 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 2018-08-27
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Well last XX/XX/XXXX my XXXX XXXX was being repossess it was around XX/XX/2017 this account should be close already I did not make payment because my wife diagnose XXXX and XXXX   XX/XX/2017 is been very hard for me to deal with my finncial stuation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions 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, 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 2 : It also states a consumer reporting agency can not furnish an account with 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 2022-07-11
Company: EQUIFAX, 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, 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 2 : It also states a consumer reporting agency can not furnish an account with my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
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:
When I called a representative kindly agreed to have this late payment removed from my account now that it has been paid in full and I have since been on time with all recent payments. XXXX XXXX ACCOUNT # XXXX Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) The report contains information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( XXXX XXXX ) Making the report is NOT INCLUDED on my Consumer report! 
A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
THE COMPANY HAS VIOLATED THE FCRA XXXX5USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER 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 2019-10-17
Company: EQUIFAX, INC.
State: NV
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:
There are two accounts listed on my credit that is not my account. I don't have any contract nor have I sought services for it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-09
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: Old information reappears or never goes away

Complaint:
I do not have the date, but I had previously written them to remove address XXXX XXXX XXXX, XXXX, TX XXXX when I supplied them with the updated address of XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX XXXX Addresses were correct for awhile, but now the XXXX XXXX XXXX that I no longer even rent, was used to mail the credit report which concerns me and reappears, wrongly, on the report # XXXX for XX/XX/2022. 

Also, incorrect telephone numbers, previously removed, have reappeared : ( XXXX ) XXXX and ( XXXX ) XXXX. 

I am concerned about the volume and frequency of errors so, accordingly, would like free credit monitoring from Experian on a permanent basis as a result.

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 2022-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I am a XXXX XXXX XXXX. I must have a credit report to submit to the state governing agency before I can obtain my renewal license. I have retrieved my credit report on several occasions utilizing the free annual credit portal. I have not changed any information at all. Yet, the three credit reporting companies will not allow me to access my reports online. I have to wait as long as 2 weeks before receiving it in the mail. This is untenable as I need it now. I can not practice XXXX without a XXXX XXXX XXXX. 

Their actions will have a devastating monetary effect on me. 

Transunion has promoted inaccurate information on an heir property where my name appears as an administrator as my home address, which has never been my place of abode. In other situations, as a Realtor, I have served as a fiduciary for my clients and was required to have my information along with my company registered as the point of contact. No matter how much I have attempted to have the companies recognize my address I have used for several years they refuse to do so. I believe there exists a XXXX and XXXX nuance as to why these companies have created a problem for me on my reports. They can not conceive how I am affiliated with several addresses which I have absolutely never connected with my personal affairs. 

I have tried to get that corrected to no avail. Additionally, Trans Union is reporting a delinquent account to XXXX XXXX, which is untrue. I have tried to get it corrected on many occasions and can not. I have a 100 % payment record with no delinquencies.

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 2022-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
When I called a representative kindly agreed to have this late payment removed from my account now that it has been paid in full and I have since been on time with all recent payments. BANK OF AMERICA ACCOUNT # XXXX Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) The report contains information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( BANK OF AMERICA ) Making the report is NOT INCLUDED on my Consumer report! 
A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

THE COMPANY HAS VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER 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 2022-02-09
Company: Southwest Credit Systems, L.P.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
First and foremost as the natural living man born from natural living people I am enforcing my rights as a consumer. Southwest Credit Systems continues to furnish Incorrect and inaccurate information to the consumer reporting agencies. Southwest Credit Systems has sent me documentation violating 15 USC 1692 b saying I owe a debt. Simply put I have never giving Southwest Credit Systems any verbal or written permission. I have not given my consent and by definition without consent it is considered identity theft if a company uses my ssn without my written permission. This company has committed fraud by retrieving my personal information from another company that I did not give permission to. This company is deliberately undermining my personal private information. I dispute and disagree with any allegations I owe Southwest Credit Systems or any other company debt and I am putting Southwest Credit Systems on official notice of their wrongdoing and want to be compensated for their fraudulent actions and violations According to 15 USC 1692b and 15 USC 1692c. If Southwest Credit Systems believes I have contracted with them I demand proof showing that I granted their company permission and the right to furnish Incorrect inaccurate information on my report according to 15 USC 1681 b2.This company has damaged me with its inaccurate reporting and I have been denied such opportunities to obtain a car home and other opportunities for my family due to their negligent inaccurate incorrect reporting. Therefore I demand Southwest Credit Systems to cease and desist and delete their report on my Consumer Report. If Southwest Credit Systems believes I have contracted with them I demand proof showing that I granted their company permission in writing to furnish my information according to 15 USC 1681 b2. As the original creditor and consumer I demand a senior executive of Southwest Credit Systems to provide a notarized affidavit saying I granted their company my written permission contracting with them. If they will not provide that information I want that report to be deleted from my consumer Report and I want to be compensated for their violations of the FDCPA, FCRA and the US codes mentioned above. If they will not comply I will proceed in federal court as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I called PHH mortgage to request my pay off on XX/XX/2019. I have since then called about 7 times with no resolution. My title company has called as well and i have spoken to a manager. Until this day we have yet to receive a pay off and it has past Seven business days. notice of error ). ( 12 C.F.R. 1026.35. ) This has caused me a financial hardship and about to loose the sale of my home due to the lengthy waiting period. I need your help in resolving this issue please.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and 143 million others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing parties ( that THEY have injured ) up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 

I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach as well as paying restitution to those injured by this event. The negligent loss of personal information of hundreds of millions of consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: WELLS FARGO & COMPANY
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
*Disclaimer* I am a federally protected consumer under the FDCPA and FCRA. 

On XX/XX/2021 within the 30 days of getting my vehicle, I sent Wells Fargo Auto a Cease & Desist, Affidavit of Truth, and a Debt Validation letter ( 15 USC 1692g ). In my Cease & Desist letter, I demanded that all forms of communication with me through any and all mediums cease, I invoked my specified remedy as the consumer and original creditor demanding that the balance on my account be XXXX  out, my title be granted to me lien free and a deletion from all reports. With no regard to my Cease & Desist, Wells Fargo Auto continued to harass me pursuant to 15 USC 1692d ( 1 ) ( 2 ) ( 3 ) by continuously sending letters in the mail stating that they are attempting to collect a debt which is illegal pursuant to 15 USC 1692b ( 2 ). In one of the letters sent to me they also stated that they would stop calling me but wouldn't stop emailing or sending letters. They used obscene and profane language threating to repossess my vehicle.

In my Affidavit of Truth, I stated facts and sent in proof of exhibits in which Wells Fargo violated 4 of my federally protected rights.

1. 15 USC 1605a 2. 15 USC 1692b ( 2 ) 3. 15 USC 1692f ( 8 ) 4. 15 USC 1692e ( 11 ) My Affidavit was not rebutted with and Affidavit line for line, fact for fact dismantling the claims, but only responded with an alleged contract which in turn would mean the organization defaulted the account.

Following that AOT, a Debt Validation letter was sent disputing the validity of the debt and requesting validation. When this company received my letters, they then again responded with an alleged contract trying to use it as the validation on the debt when no one from this organization was present during the time of the transaction. As the consumer and original creditor, I am the natural person who can validate any debt. 
Since then, then have been furnishing certain deceptive forms ( 15 USC 1692j ) by putting false reports on my consumer report which is hurting my reputation and livelihood. 

Fast forward today XX/XX/2021, they gave my information to an unauthorized third party and had this third party come illegally partake in theft by repossessing my vehicle. Now want me to pay a third party vendor who I have no business or contract with in order to get my vehicle back. They completely disregarded all of my letters and didn't respond to them correctly in a timely manner. In turn I am seeking a civil remedy ( 15 USC 1692k ) of {$7000.00} for 7 consumer protected rights violated by this company. I would like the payment be made by check immediately. Also Im demanding the account balance to be XXXX  out and a deletion from all consumer 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 2019-10-21
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:
XXXX XXXX # XXXX is reporting an account that is not mine. I have never heard of this and have no idea what this is. I never received anything for it and I am very sure it is 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 2017-09-09
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My personally identifying information was compromised in the Equifax hack. I have already set a 90 day fraud alert.

Company response to consumer: Closed with explanation