BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-30
Company: EQUIFAX, INC.
State: MD
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:
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2022 Dear XXXX, Equifax XXXX CFPB I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX 15 u.s.c 1681 SECTION 602 a. States I have the right to privacy.

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

Delete this account immediately, unless you want to be held {$1000.00} per violation Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2022 Dear XXXX, XXXX Transunion CFPB I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1. Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX 15 u.s.c 1681 SECTION 602 a. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1000.00} per violation Sincerely,

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 2022-06-30
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:
There are items on my credit report that are violations of the FCRA. There is invasion of my privacy and defamation of my character. No consent, Identity theft!

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 2022-06-30
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: Credit inquiries on your report that you don't recognize

Complaint:
I had notified the credit bureaus of this unauthorized inquiry on my report. I never gave the consumer reporting agencies consent to give this debt collector my information. This is violating my rights.

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 2022-06-30
Company: Experian Information Solutions Inc.
State: OH
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:
XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/202XXXX XXXX  XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 ( a ) ( 1 ) the banking system is dependent upon the consumer report being fair and accurate. Reviewing my consumer report I discovered that my report is reporting inaccuracies, and this inaccurate report is unfair to me because I was never notified when this inaccurate information was furnished. And I was never notified when during your companies initial investigation that this was going to report this information pursuant to 15 USC 1681 ( a ) ( 1 ) this grave error has undermined my confidence and trust in your companies. 

I've already reached out to the companies and the credit bureaus to inform them of the errors made. have given ample time for the credit bureaus to properly investigate and they seem to refuse to justify my consumer rights.

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 2022-06-30
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:
In XX/XX/2021 I sent you a letter regarding inaccurate and unknown things on my credit report. This letter is in response to your response in my CFPB complaints with closed authorization needed, Is it not clear that I have attached my State ID and Utility bill to certify that is in fact me submitting the disputes. I wrote you to let you know that my credit report contains inaccurate and incorrect accounts that are ruining my credit scoring.

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 2022-12-01
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
need a balance sheet stating payments made to charged off account and also the current balance of the account and status on company letterhead

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 2022-09-21
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Best Buy Credit Card Company I made a purchase for goods for delivery and returned it the next day. Everything was credited to my account except for XXXX dollars. I paid that off immediately but they continued to charge me interest over the next months plus late fees that I could not figure out where they were coming from. 

They charge me close to XXXX dollars in late fees and I never had a balance on my credit card. Fraudulent company and policies I finally closed the account and then the lady told me I would still be charged interest even though I had a zero interest plan!!

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 2022-06-07
Company: Nelnet, Inc.
State: VA
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
We purchased a vehicle and financed in XXXX, XX/XX/XXXX, in XX/XX/XXXX we moved to XXXX. 

We contacted XXXX in XX/XX/XXXX to change the address and request the title be transferred to XXXX so we could register and get the license plates on the vehicle. We followed the instructions as required. We were asked to wait XXXX to XXXX weeks for the process to be completed. 

We followed up in XXXX weeks and we were told there was a problem with the names on the title ( spelling ) and the XXXX  dealership had been contacted to request a replacement title. 

Called back a week later, told it was resolved and XXXX title would be processed by end of week. Requested to call back if no update in a week. 

Called back, told that the title could not be processed because name was wrong on title. There was a space in the middle of my wifes middle name I called the dealership in XXXX  and they check the State of XXXX system and was told the title was perfect. 

Called XXXX back and filed a corporate complaint. Was assigned a Customer Agent. First call was great. Took all the information and promised a resolution. She called back a week later and told us the problem was both my name and my wifes name was on the title. One had to be removed. Silliest thing Ive ever heard. 

She said this would resolve the issue. Wait a week and it would be taken care of So waited a week. Now we call and leave messages ( 4 times over a week ) and no return calls. 

We need help as we are soon not going to be able to drive the vehicle as its registration will be expired.

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 2022-07-28
Company: EQUIFAX, 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 status incorrect

Complaint:
I requested that a signed document with my handwritten signature be sent to my mailing address to verify my account however the signed document was never sent. The balance reported on credit reports is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
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:
My personal information has been stolen, I am submitting my ID, Identity theft report and Notarized Identity theft Affidavit. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information that resulted from an identity theft on my consumer 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 2022-04-25
Company: Resurgent Capital Services L.P.
State: MO
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 alleged debt has been sold without my permission and without the production of a new contract. You are trying to collect on an alleged debt and I have no contract with you- this is fraudulent activity. 
18 USC 1028 ( a ) ( 2 ) states Whoever, in a circumstance described in subsection ( c ) of this sectionknowingly transfers an identification document, authentication feature, or a false identification document knowing that such document or feature was stolen or produced without lawful authority shall be punished as provided in subsection ( b ) of this section. The punishment for this offense could be a fine or imprisonment according to 18 USC 1028 ( b ) ( 1 ). 
There is no way you should have my social security number or any identifiable information. You DO NOT have my permission. This is IDENTITY THEFT & against federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: EQUIFAX, INC.
State: MD
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:
15 U.S. Code 1681- Congressional findings and statement of purpose ( 3 ) Consumer reporting agencies have ASSUMED a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their GRAVE responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681b ( a ) ( 2 ) - permissible purpose of consumer reports Equifax has violated my privacy and consent. They assumed a vital role in assembling and evaluating consumer credit and did not exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. 

Equifax never requested or obtained written instructions from me to use my information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
i opened an account through the XXXX XXXX XXXXXXXX, managed by PNC Bank on or about XX/XX/2022. On XX/XX/2022, i wrote myself a check for {$8.00} from my personal checking ( XXXX XXXX XXXX to " test '' out the App. The funds were deposited in my XXXX account and withdrawn from my XXXX account. On XX/XX/2022, the check was allegedly " returned '' according to the information available in the XXXX XXXX. However, this check was not returned and was successfully cashed against my XXXX account. 

On XX/XX/2022 I contacted XXXX through their messaging service in the App advising them of this mistake and requesting an explanation for this error. Thier reply was that the " check was never deposited, and was returned '' and that i should " work with the issuing bank. '' I rebuffed their response and was subsequently ignored. 

On XX/XX/2022, I contacted XXXX and verified that the check was successfully cashed by XXXXPNC and obtained a copy from my account records. I also verified that the funds were never returned to XXXX by XXXX/PNC and that the funds in my XXXX account were more than sufficient to cover the {$8.00} check at the time of issue. 

That same day i called XXXX and detailed the facts above. The first representative was unable to assist and simply repeated that i should work with issuing bank. I asked to be escalated to a manager, who again repeated the same position, despite my insistence that i had contacted the issuing bank and confirmed XXXX was the one at fault. He advised that the matter would be escalated and i would get a response soon. 

Several days later i did get a reply, it was the same reply that i had received during every encounter with XXXX, that the check was returned and i should work with issuing bank. 

Since then i have exchanged several emails with XXXX, providing them with a copy of the cashed check, and my XXXX & XXXX XXXX statements reflecting the withdrawal of the funds and absence of any return. To date, the matter is still unresolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-01
Company: General Motors Financial Company, Inc.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XXXX I purchased a XXXX  XXXX XXXX from XXXX XXXX. I was forced to place a down payment of XXXX on this car. This is in direct violation of 15 U.S. code 1662 ( b ) mixing cash with consumer credit transactions. Furthermore I was made to have on own car insurance on the car which is in direct violation of 15 U.S. Code 1605 ( c ) Finance charge defined and what is all included. At this point I want to rescind this contract under 15 US Code 1635 right to rescind rescission & 15 U.S. Code 1635 ( b ) right to rescind and keep property. I would like my down payment back XXXX, the cost for the insurance XXXX. All violations are fined at XXXX per violation and all car payments need to be refunded. I also want the title to my car sent to me. They have fraud in this contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 

They also violated the law because according to : 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 credit bureaus never did a proper investigation according to the FCRA. Listed accounts : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or acquainted or who may have knowledge concerning any such items of information. 

They did not do this!! 

Also, they have violated my rights even more. 

In accordance with the Fair Credit Reporting everything has to be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated but how is that? If the open date inaccurate, the date last activity is inaccurate, amount inaccurate, and date last reported inaccurate. This is a violation and grounds for immediate removal.

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 2022-09-21
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 

They also violated the law because according to : 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 credit bureaus never did a proper investigation according to the FCRA. Listed accounts : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or acquainted or who may have knowledge concerning any such items of information. 

They did not do this!! 

Also, they have violated my rights even more. 

In accordance with the Fair Credit Reporting everything has to be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated but how is that? If the open date inaccurate, the date last activity is inaccurate, amount inaccurate, and date last reported inaccurate. This is a violation and grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I am a victim of check forgery. The bank caught XXXX of XXXX checks, I found the third. I have followed all their instructions and submitted all documentation for their investigation. The bank will not give any time frame for their investigation to be resolved. No time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
Company: EQUIFAX, 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:
MY PERSONAL INFORMATION HAS BEEN COMPROMISED AND THERE ARE FRAUDULENT ACCOUNT ON MY CREDIT REPORTS EQUIFAX XXXX AND XXXX ARE REPORTING INCORRECT DATA AND ACCOUNTS THAT DO NOT BELONG TO ME AND THERE ARE ALSO 2 ADDRESSES ( XXXX XXXX XXXX XXXX, OHIO XXXX ) & ( XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX XXXX ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME WHICH WAS ALSO USED TO OPEN UP FRAUDULENT INSTALLMENT LOAN ACCOUNTS IN MY NAME I HAVE FILED A POLICE REPORT ABOUT THE ACCOUNTS FROM THE FOLLOWING CREDITORS 1.XXXX, XXXX XXXX 2.XXXX XXXX XXXX XXXX 3.XXXX XXXX XXXX 4.US DEPT OF ED/XXXX  XXXX I HAVE BEEN DISPUTING THIS MATTER SINCE 2021 AND THE CREDIT BUREAUS ARE NOT RESPONDING IN A TIMELY MANNER AND THEY ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH THE FACT THIS IS HAMPERING ME FROM HAVING GOOD CREDIT

Company response to consumer: Closed with explanation