BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-07
Company: LEXISNEXIS
State: TX
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:
15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet all Persons/Corporations are reporting this information. The reporting of excluded information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of the consumer XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that any account that negatively reflects has been " validated '', let 's be clear that I am not asking you to validate or verify anything. Please do not respond saying that as a tactic to waste my time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of the IRS form 1099-C Cancellation of Debt. XXXX and other Reporting Agencies/Creditors reporting Collections/Charge-Offs, late payments/ALL other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted Overview with the Internal Revenue Service against ALL entities involved if ALL derogatory information is not deleted from my consumer report within 30 days I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Original Information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me.

Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX  XXXX XXXX Date opened : XX/XX/XXXX  Balance : - ; XXXX  XXXX XXXX Date opened : XXXXXXXX XXXX XXXX  Balance : - ; XXXX  XXXX XXXX Date opened : XX/XX/XXXX  Balance : - ; XXXX  XXXX XXXX Date opened : XX/XX/XXXX  Balance : - ; XXXX  XXXX XXXX Date opened XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX   Balance : - ; XXXX  XXXX XXXX Date opened : XX/XX/XXXX  Balance : - ; XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX  Balance : -.

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 2023-03-10
Company: Experian Information Solutions Inc.
State: MD
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-01-06
Company: Experian Information Solutions Inc.
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:
Attention : Experian credit Bureau And XXXX Credit Bureau : I am providing the additional Information you requested. 

This is my XXXX complaint where you have continued to ignore the identity theft report and is making me jump hurdles to Get this fraudulent information off my credit report. 

Per your request I am providing the report Number and the law enforcement contact information of the identity theft report. 

Remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Experian and this complaint includes The additional information you requested.

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 2022-02-18
Company: ENOVA INTERNATIONAL, INC.
State: WY
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:
Somebody used my social security and personal information to apply for credit. Netcredit did a hard credit inquiry at XXXX. The search showed up on XXXX XXXX and I call them and stopped the credit from being issued. Since then I have tried to get the account cancelled and have tried to get the inquiry removed from my credit report. I have done everything they asked including getting a police report. They have refused to cancel the fraudulent account and have refused remove the inquiry from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
On XX/XX/2019 i received a notice that my intrest rate would be increased from 20.24 % to 24.24 % effective XX/XX/2019. During the time i have have never been late and my credit score is 50 points higher than when i initially applied for the card. Also my credit utilization rate is around 13 %. I was told that all that didn't matter.I Have never had a late payment on any of my cards or loans.

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 2019-08-27
Company: Experian Information Solutions Inc.
State: AR
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:
In the early days of XXXX of 2019, I notified Experian of two specific accounts that were reporting on my credit report that were established due to identity theft without my knowledge and consent. I then immediately filed a Police report with my local authorities informing them if this matter. Since I have sent Experian a notarized letter of dispute, an affidavit, as well as a copy of the police report. It has now been beyond 30 days an I have not received any correspondence from Experian regarding my dispute. I am well aware of my consumer rights under the Fair Credit Reporting Act sections 605b, 609, and 611. Experian now is in violation and I expect them to adhere to the FCRA by removing the accounts XXXX # 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 explanation
Consumer complaint received 2017-08-21
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I ran my credit report XX/XX/XXXX as I am attempting to purchase a home ... I saw XXXX on my credit report. I contacted XXXX, they claimed non return of equipment from XX/XX/XXXX in which I did not recall. I attempted to have it removed, they claimed that it was valid so I contacted the collections agency, I advised the agency that I needed XXXX removed and cleared from my report, they promised it would be removed so I paid it but it still remains on my report, the balance is now XXXX but XXXX still shows under the collection tab with a XXXX balance. I need this removed from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: EQUIFAX, INC.
State: NV
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 acquired my credit report and asked the bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) XXXX XXXX XXXX XXXX XXXX is reporting this account as opened on XX/XX/ The date open is not correct date last active is not correct on all three credit reports, Which is a violation! 

This is impacting me from moving forward to buying a house for my family THIS IS A VIOLATION OF 15 U.S. CODE 1681i ( 5 ) REMOVAL OF INACCURATE / INVALIDATED CREDIT INFORMATION. PLEASE REMOVE IMMEDIATELY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21
Company: Experian Information Solutions Inc.
State: AZ
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 XXXXXXXX ( XXXX ) is violating consumer laws. 
Under the fair credit reporting act : 15 U.S Code 1681a-Defenitions ; rules of construction | US code | US Law | Lll legal information institute XXXX XXXX ) 15 US Code & 1681s-2- responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information. 1 ) prohibition ( A ) reporting information with actual knowledge of errors.

15 USC ; 1681a 2 ( A ) ( i ) except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) subject to section 1681s -3 of this title, any- ( i ) reporting containing information solely as to transactions or EXPERIENCES between the consumer and the person making the report ; Therefore, on XX/XX/2022 XXXX XXXX XXXX is reporting a transaction as a late payment which according to the law and my understanding it is ilegal. I demand is updated immediately to paid as agreed.

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 2023-12-27
Company: M&T BANK CORPORATION
State: VT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
you XXXX XXXX  closed my complaint without even using the correct information, let alone ALLOWING COMMUNICATION!!! I RECEIVED THE NOTICE I HAD A RESPONSE AND XXXX MINUTES LATER MY CASE IS CLOSED WITH NO RESOLUTION AND THE INCORRECT INFORMATION!! THIS IS XXXX AND I'M NOT GOING TO STAND FOR IT!!! 

THATS NOT EVEN THE CORRECT NOTICE!! TRY PAYING ATTENTION!! NOPE WE WILL RESPOND WITH EVEN MORE LIES AND MORE LIES JUST LIKE OUR ENTIRE COMPANY HAS BEEN PROVIDING FOR XXXX WHOLE MONTHS NOW!! HOW ABOUT PUTTING ME ON HOLD FOR ANOTHER HOUR AND A HALF, LIKE THR LAST XXXX TIMES I TRIED GETTING THIS RESOLVED!!! AND BESIDES THE FACT, CHECK YOUR CUSTOMER SERVICE AND YOUR PHONE CALLS SINCE I CALLED XXXX XXXX DIFFERENT TIMES AND WAS TOLD REPEATEDLY BY THE PEOPLE ON THE PHONE AND BY THE TELLERS AT THE BANK THAT I HAD, IN FACT, MET ALL OF MY REQUIREMENTS, I CALLED MULTIPLE TIMES IN XXXX And XXXX TO MAKE SURE!! SO M & T CONTINUES TO LIE AND MAKE UP XXXX TO TRY TO COVER THEIR LIES, AND NOW XXXX XXXX XXXX IS GOING TO COVER THEIR XXXX FOR THEM AND LIE TOO AND CLOSE A COMPLAINT BEFORE IT'S EVEN BEEN PROCESSED! SURPRISE SURPRISE, MORE LIES!!! I CLOSED MY ACCOUNT BECAUSE ALL OF YOUR PEOPLE LIED TO ME AND ASSURED ME I'D BE RECEIVING MY MONEY AND THEN DENIED ME A WEEK LATER!! HOW CONVENIENT You CLOSE THE ISSUE WITHOUT ME BEING ABLE TO RESPOND!! 

THEY DIDNT DO ANYTHING THEY DIDNT EVEN ANSWER THE CORRECT QUESTION OR USE THE CORRECT INFORMATION TO PROVIDE THEIR RESPONSE!! I HAD TO CLOSE MY ACCOUNT THERE BECAUSE THEIR EMPLOYEES ARE SO XXXX THEY CANT EVEN READ A XXXX FLYER THAT THEIR OWN COMPANY SENT OUT, LET ALONE PROPERLY ANSWER THE QUESTIONS OF THEIR MEMBERS!! THEIR OWN EMPLOYEES ASSURED ME ON over a XXXX  OCCASIONS THAT I HAD MET EACH AND EVERY REQUIREMENT AND THAT I ONLY HAD TO OPEN THE ONLINE ACCOUNT AND USE THE APP. CHECK YOUR CUSTOMER SERVICE RECORDS AND CHECK YOUR XXXX CAMERAS MAYBE BEFORE SENDING ME SOME XXXX XXXX EMAIL THAT HAS ABSOLUTELY NOTHING TO DO WITH ME OR MY CASE!!!!

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 2023-03-09
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:
A XXXXXXXX XXXX  card was opened under my name on XX/XX/2022. I have never authorized or made any transactions or applied for any type of credit with XXXX. According to the credit bureaus, the card in question was opened with a $ XXXX limit, used once for {$99.00}. When I received the alert, I called XXXX and they cancelled the card but this item was never removed from my credit report. I am a victim of identity theft and I need this investigated and corrected 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 explanation
Consumer complaint received 2021-02-12
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: Information is missing that should be on the report

Complaint:
On XXXX XX/XX/2021 I went on XXXX XXXX to check my credit score when I checked it on XXXX XXXX it was reflecting on the Trans Union score that I have six missed payments on two of my accounts which I am an authorized user on I file a dispute stay into them that the payment History and calculation was incorrect Trans Union went ahead and delete both of my accounts which I am an authorized user on from my credit report this in return dramatically dropping my credit score almost 90 points I have gotten directly in touch with Trans Union asking them to fix the problem they blatantly disregard my request and refused to fix the problem I am in the middle of trying to purchase a home and this is affecting me greatly I really need some help and assistance

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 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-21
Company: PNC Bank N.A.
State: FL
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 disputed some transactions on my PNC Bank account. 

On a recorded phone call I was given the expectation that my account balance would be restored in two business days, this was on XX/XX/XXXX. 

On a second recorded call a few days later I was again given the expectation that my account balance would be restored in 3-4 business days, after the phone call I was locked out of my account this was XX/XX/XXXX. 

It is XX/XX/XXXX and my account balance has not been restored. PNC needs to be held accountable for the expectation that they set for me as the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the XXXX and Experian Credit Bureaus last XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX ; XXXX  XXXX XXXX ; XXXX  XXXX XXXX ; XXXX  XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I need to inform you I was the victim of identity theft. I'm disputing the accounts as they were opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the accounts. They were opened without my knowledge, authority or consent. 

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 explanation
Consumer complaint received 2023-01-06
Company: OPTUM BANK, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I registered for a XXXX XXXX and a XXXX XXXX card in XX/XX/2022. My company 's plan with Optum Financial began in XX/XX/2022. I was going to use the card to pay for a very expensive dental procedure. 

Optum assured me the card would arrive within 5-10 business days. I have called Optum Financial approximately once per week for the past 2 months, and they have kept saying that the card will arrive in 5-10 business days, but it's been over 2 months. They keep rejecting my request to speak with a manager, they do not provide any additional information, and I still have not received my card.

XXXX  is over, and I have not been able to use my XXXX, which expires at the end of the year. Further, Optum won't let me log into my online account without having a card, so I can't log in and request them to stop debiting my wages to fund my commuter benefits card. So they refuse to send me my XXXX XXXX card, but keep taking money from my wages each month while they do so. 

This is completely unacceptable. I want Optum to send me back every single cent they have stolen from me. I consider this theft because they have taken my money and refused to provide me with a payment card. I want the money sent back to my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: CL Holdings LLC
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I purchased a car in XXXX through XXXX XXXX XXXX and it was voluntarily repossessed due to layoff on my job. XXXX XXXX placed it on my credit report which affected my FICO score. Jefferson Capital purchased this account from XXXX XXXX and has placed it back on my credit reports as if I signed an agreement with them as of XX/XX/XXXX for a loan of {$20000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-05
Company: Experian Information Solutions Inc.
State: DC
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 DEPT OF EDUCATION Acct # XXXX, Acct # XXXX, XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX  Acct # XXXX, has violated my rights. 

XXXX5 USC 1681 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A. States a consumer reporting agency can not furnish a account without my written instruction.

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 2022-03-28
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: Credit inquiries on your report that you don't recognize

Complaint:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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