BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: NY
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:
According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. When it comes to my credit report, I reserve the right to dispute any information that I deem to be inaccurate. I won't stand for any misinformation being associated with my name and financial history. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and its permissible purpose.I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13
Company: EQUIFAX, INC.
State: NC
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The account is : USAA FEDERAL SAVINGS BANK- SAN AN # XXXX USAA approved a car loan in the amount of XXXX, and an individual that was not me retrieved the check and used it ; based on my investigation, the information listed on the check was not my name, but my social security number was used for the credit approval of the loan. This has been removed from my credit several times but continues to reappear. I have never signed any documentation and didn't apply for this loan. This account is fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Westlake Services, LLC
State: NC
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: Investigation took more than 30 days

Complaint:
Westlake Financial has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts also How can a disputed be resolved if the customer disagrees, who resolved the disputed account, no reasonable procedure was performed it is a violation to my rights to claim that an account has been resolved if I didnt resolve it and its still reporting inaccurately This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2023-10-23
Company: Westlake Services, LLC
State: NC
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:
In XX/XX/XXXX, I purchased a used XXXX XXXX XXXX from US Auto Sales. I also purchased a service contract warranty. The car had significant failures and hidden damages that started to surface within a couple weeks. I contacted US Auto on several occasions to set up repairs and they refused to return my calls. I attempted to make repairs and that is when the warranty company told me US Auto Sales defaulted on their payments and they would no longer be covering warranties. US Auto charged me for a service I can not use and they sold me a lemon based on N.C. Lemon laws. Im requesting compensation, cancel of the loan and I turn over the vehicle, or payment for all repairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: ALLY FINANCIAL INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Theses inquiries are not authorized by me and they should be removed immediately because this could be fraud and 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 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
There are some accounts that are reporting with redacted account numbers, I don't recognize these accounts, I called the creditors to ask for signed applications so that I could see, I suspect someone stole my identity, the accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also a long list of inquiries made without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I never authorized any of those inquiries.

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 2023-12-12
Company: Experian Information Solutions Inc.
State: GA
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:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2023-09-20
Company: EQUIFAX, INC.
State: FL
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:
Under the Fair Credit Reporting Act, XXXX Account XXXX for 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 also states that a consumer reporting agency can only furnish an account with my written instructions.

I have enclosed copies of the letters I sent to the credit agencies, the credit agencies ' responses, a full copy of my credit report, and the discrepancies that the different credit agencies show on the Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: EQUIFAX, INC.
State: RI
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 name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
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: Account information incorrect

Complaint:
Hello, My name is XXXX XXXX XXXX. XXXX. 
On XX/XX/XXXX, after checking my credit reports mailed an investigation letter to each credit, XXXX, XXXX, and Experian regarding account XXXX XXXX XXXX Account Number XXXX. And to XXXX again for account XXXX Account Number XXXX asking them to investigate and verify these 2 accounts. 

On XX/XX/XXXX, I received the following letter from Experian with XXXX XXXX XXXX Account has been verified and still reporting on my credit report with no justification/proof this is my account. 
On XX/XX/XXXX, I received notification from XXXX that since they received my letter on XX/XX/XXXX, they needed until XX/XX/XXXX to complete their investigation. 
To date, I have not received any correspondence from XXXX, they couldn't even be bothered to respond. 

I just pulled another copy of my credit reports and it is still showing these inaccuracies. 

15 U.S.C. q681s-2 ( A ) ( * ) 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 2023-08-31
Company: Experian Information Solutions Inc.
State: GA
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 am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

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 2023-09-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
About 4 months ago, received a Wells Fargo bank savings promotion for {$520.00} if open a saving with $ XXXX deposit. The requirement is : Quote : Open a new XXXX XXXX account, or other eligible consumer savings account, with a minimum opening deposit of {$25.00} and complete the steps outlined below to receive your {$520.00} bonus. This offer is for new savings customers only. I opened the savings account online but there was no field to enter the offer promo code. I went to the branch and the banker helped input the promo code into the newly opened savings account. The banker said I am 100 % qualified for this promo because I don't have existing savings. Fast forward, I checked my savings account and I did not see {$520.00} credit. I filed a complaint with Wells Fargo and was told because I opened the savings online therefore disqualified. Then they closed the case. I went back to the same branch and spoke with the same banker who entered the promo code. Now already past 2 weeks still without any answer. I felt like the bank was cheated out of consumers when we brought in new deposits into the bank. I felt the bank did not commit to their offer and lied to consumers. Please investigate this bank. I will close all my accounts with Wells Fargo. Thanks

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 2023-03-27
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This Inquiries is not mine and it's totally XXXX, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am a victim of identity theft please remove this fraud inquiry from 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 2023-01-25
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:
I did not open a credit card from XXXX XXXX XXXX from XXXX to XXXX. The account # is XXXX on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I got an email with the XXXX XXXX logo saying a new credit card will be shipped. soon I got a credit card ( they had my address ) the new credit card looked like XXXX XXXX credit card, and I needed to call a phone number to activate my new card, I called and was asked for my zip code and SS, which sadly I provided and the card never worked. I keep getting emails and mail addressed to my house from XXXX XXXX XXXX XXXX XXXX, SD 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 2023-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have spoke with Capital One Auto Finance office of the president and sent in 1099 c 's that their company has accepted and sent back to me via mail. The accounts are still showing although the debt is XXXX. The company claims they did not discharge the debt and that I am still liable although I have provided all necessary documentation as well as sent it to the companies indentured trustee who is also not responding. I have sent a letter to the indentured trustee with this information also. The IRS has accepted the 1099C and Capital one actually sent me the copy B to the 1099C form, not the IRS. Capital One Auto Finance is stating they did not send that and that if they received anything like that in the mail, it would have been Shredded. This is stated on a recorded phone call with a manager of the office of the president. I have also called 2 times to update My terms and conditions of My contract removing arbitration. I keep getting sent copies of my contact, nowhere to sign stating no arbitration. As I am the holder in due course as I also hold the contract with you, it is my right to change the contract. Also in my last complaint I had used my right as a citizen to opt out of their reporting services citing many laws proving my right to do so. The company came back with XXXX and how it entitles them to report my non public information. According to XXXX, as attached in the documents, you are still violating my rights and this instance does not fall within the XXXX guidelines as an exception. Please forward this 1099C to the indentured trustee of Capital One Auto Finance per your Sec.gov filings and ensure my account is updated. In the meantime, update My account to paid as agreed, never late. There has been no proof besides a statement that I received notice 21 days before the due date of my.statement besides the statement itself. Please provide tracking of all statements sent and proof of delivery. If you can not provide this, you must update them per 15 usc 1666b. 15 usc 1681 ( 2 ) ( a ) ( i ) states transaction history may not be reported. If you are using XXXX to say yes you can report, see the attached that this non public information does not fall under the exceptions of XXXX. 

Also, I was waiting to make a payment as they stated they were still looking over the 1099-C that they sent to ME to discharge the debt and I have late payments on my account I did pay the account as soon as they told me they would not credit it. I however kept contact and made it known I had no intention of defaulting on my account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: Collections Acquisition Company, Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid off a delinquent collection account it was reported on my credit under 2 company names one being Payliance and the other cybrocollect but are both for the same debt. I paid the debt and creditor agreed to remove account but XXXX XXXX has refused to remove the information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Io, Inc.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account has been paid and with {$0.00} balance. I have contacted the collector several times to honor our agreement regarding this pay to delete account. I have paid the account therefor is should not report on my file anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to formally express my concern about the inaccurate and incomplete credit information currently reported by your bureau. It has come to my attention that the information listed below is part of my credit profile, and I believe there have been lapses in maintaining reasonable procedures to ensure the maximum possible accuracy of the credit reports you publish. Credit reporting laws mandate that bureaus report only 100 % accurate credit information, necessitating stringent measures to guarantee the completeness and accuracy of reported information. Therefore, I am requesting proof of the alleged item, including the contract, note, or any other instrument bearing my signature. In the absence of such evidence, I request the prompt removal of the item from my credit report : XXXX XXXX XXXX and XXXX XXXX XXXX. The accuracy and completeness of the listed item are seriously questionable. Furthermore, I wish to bring to your attention that other bureaus have already removed these accounts from their records, having identified and rectified errors. I am perplexed about how your bureau has verified this information while others have successfully corrected their records. Consequently, I insist on the removal of these items from my credit file, as they are inaccurate, erroneous, incomplete, or unverifiable.

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 2023-09-21
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting 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:
My bank alerted me of XXXX credit inquiries today on XX/XX/23. There were all triggered simultaneously. It appears that somebody is trying to fraudulently take credit out using my identity. The banks through which the inquiries were made : 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 explanation