BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: TX
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:
I did not give XXXX XXXX the permission to furnish information on my consumer report non consent is identity theft. 15 USC 6802 prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. As a financial institution they are not to disclose non public personal information to a third party unless such financial institution clearly & conspicuously discloses to the consumer in writing or electronic form or other form permitted by the regulation prescribed under section 6804 of this title that such information may be disclosed. I did not receive any of the 3 disclosures I just mentioned, which Ive discovered is against consumer law and a direct violation. 

XXXX XXXX is also reporting inaccurate information on my consumer report which is a another violation under the FCRA 15 USC 1681. 

USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give XXXX XXXX permission which is another violation. 

TILA 15 USC 1601 protects me as a consumer against inaccurate & unfair credit billing. As a consumer, I never signed an agreement to enter into a credit transaction with XXXX XXXX 

XXXX XXXX states that any debt collector is not to state that such consumer owes any debt, I have a letter from XXXX XXXX stating that owe a debt to them. 

My complaint is also with three bureaus XXXX, Experian and XXXX who are allowing XXXX XXXX to report inaccurate information on my consumer report which is a violation under the FCRA 15 USC 1681. 

USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give XXXX, Experian, or XXXX permission which is another violation on their behalf. Not only did I not give permission to furnish this information on my consumer report, the information is also incorrect which is a violation under 15 USC 1681b for those two violations under FCRA I am seeking {$2000.00} from each credit bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
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: Credit inquiries on your report that you don't recognize

Complaint:
I recently received a copy of my XXXX XXXX XXXX XXXX in the mail dated XX/XX/2022. After reviewing all three Credit Reports with XXXX, Equifax, & XXXX I noticed several fraudulent inquiries appearing on my credit report that I do not recognize. I have not applied for credit for quite some time. I noticed a total of XXXX inquiries that XXXX be connected to fraud. 

I did some research online on how to take care of these fraudulent inquiries, and then I saw some Credit Attorney online explaining how to fill out an FTC ID Theft Report. I submitted the FTC ID Theft Report back on XX/XX/2022. Please see the attached report for your review. These fraudulent inquiries are not mine are having a major detrimental impact on my ability to borrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX I made two payments to my student loan servicer, Mohela : one for a total of {$5500.00}, and another for a total of {$50.00} ( see attachments ). 

As of today, Sunday, XXXX XXXX XXXX, these payments have not been reflected by StudentAid.gov nor Mohela. Interest continues to accrue even though the payments have been fully processed and are completed according to my bank which sent me the Acquirer Reference Data, Network Reference ID, and Transaction Approval Code ( see attachment ). 

I have sent messages to Mohela and StudentAid.gov for assistance in understanding why my payments are not being reflected on my account -- I have yet to receive a response from either institution. I am ready to pay off my entire loan, but because my two payments are not being applied to my loan account, I am hesitant for any more money to leave my bank. I sent two messages Mohela on XXXX XXXX XXXX 

A fair resolution would be for the two payments I made on XX/XX/XXXX to be credited to my student loan balance, and for the intervening interest from this amount be deducted from my account, and assurance that my next payment to pay off my loan will be applied in a timely manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Affirm Holdings, Inc
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am dealing with a concerning issue involving AFFIRM, a credit company. An unknown person made a substantial purchase under my name through AFFIRM, which I only recently discovered through my checking account. This situation has been ongoing between AFFIRM, XXXX, and myself since XXXX of this year. Unfortunately, the issue remains unsolved and is still pending on AFFIRM 's end since XX/XX/2023. Despite my attempts to dispute the amount, AFFIRM keeps responding to my answers with another customer service representative. The situation is becoming increasingly frustrating, and I am hoping that your firm, CFPB, can intervene and force AFFIRM to answer a simple question about what was purchased. I urge you to take immediate action, as the issue has remained unresolved since XX/XX/2023. Thank you, CFPB, for your assistance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX - XXXX account was never late on XX/XX/XXXX and XX/XX/XXXX You are also reporting the wrong account number XXXX VERIFY AND REMOVE INACCURANTE INFORMATION XXXX XXXX XXXX - Wrong ACCOUNT NUMBER XXXX XXXX XXXX XX/XX/XXXX Account was never late nor/Charged -off. 
XXXX XX/XX/XXXX account was never late VERIFY AND REMOVE XXXX XXXX XXXX XXXX XXXX  Wrong Account Number : XXXX XXXX - XXXX through XXXX account was never late nor charged -off XXXX - XXXX, XXXX, XXXX, XXXX, and XXXX - account was never late nor charged -off. 
VERIFY AND REMOVE INACCURANTE INFORMATION XXXX XXXX FS -Wrong account Number : XXXX XX/XX/XXXX and XX/XX/XXXX Account was never late VERIFY AND REMOVE INACCURANTE INFORMATION

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 2023-04-19
Company: Experian Information Solutions Inc.
State: NY
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Experian is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Date Opened:XXXX Balance : {$0.00}

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 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. XXXX is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXX XXXX XXXX XXXXXXXX Date Opened:XXXX/2019 Balance : {$0.00}

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 2023-07-26
Company: Experian Information Solutions Inc.
State: VA
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:
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal house purposes, and is cause actual damages. 

According to FDCPA 1006.30A/New Rule REGULATION F and its new rule by parking this alleged debt on my consumer reports. 

I am reaching out to Experian in regards to this account and I am receiving vague communication and was emailed a letter on XX/XX/2023 stating they received information that " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. 

This letter is in response to your recent claim that Portfolio Account # : XXXX / XXXX XXXX Account # : XXXX has verified that the account they are reporting under my name is accurate. I noticed on my Consumer Report that this company is reporting this account TWICE under two different names, one is named XXXX and the other is called XXXX XXXX. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

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 2023-07-06
Company: Block, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was on vacation in Fl when Cash App closed my account this was XX/XX/XXXX. They claimed I was in violation of their terms and conditions. I have chatted with several advocates to no avail. I have emailed and even talked to one advocate. I emailed my Picture ID and was verified. They finally said I had duplicate charges on my cash card. I dont even have a cash card. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: MOHELA
State: MT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I applied for the SAVE program through the studentloans.gov website. I self reported my income through mohela as I was unemployed at the time. Mohela automatically put me in administrative forbearance, I never wanted to be in forbearance. I requested to be taken off because I did not want to be charged interested. I was told it would take 5-10 business days. It has been a month now. Everytime I call to get it fixed I have to wait on hold for at least an hour. The other day I was on the phone for 4 hours trying to escalate my issue to leadership. I was told that I was not being charged interest by multiple employees even though I know that is incorrect. No one can give me an actual date when I will be off forbearance. I will have {$900.00} dollars of interest a month while I am in forbearance instead of getting the interest credit through the save program. If they did this to everyone who self reported their income they are likely racking up millions of dollars of interest. No one can take me off, no one can credit my account, no one can expedite the process, no one can give me an actual date when my request will be processed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: HI
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

Account ( XXXX XXXX XXXX ) According to 15.USC 1681i ( 1 ) the Credit bureaus have to modify or delete accounts that are nor reported accurately According to 15 1681 ( 1 ) the Credit bureaus don't have no written permission According to 15 USC1681s-2A a person shall not furnish a y information relating to a customer to any customer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and conformation of errors A person should not furnish relating to a consumer to any consumer reporting agency If- The person has been notified by the consumer, at the address specified by the person for such notice that specific information is inaccurate. 

I can go on and on The Credit bureaus no respect for laws. 
Someone newd to hold the accountable for this.

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 2023-02-21
Company: AMERICAN HONDA FINANCE CORP
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Been trying since last XXXX to have my lease payment reported back to credit bureaus. every time i call they tell me the issue has been fixed but its still not on my report was given an XXXX Control number which i shared with credit bureaus and they say there system doesnt have such a number. dont understand what issue is but this is effecting a correct score on my credit report and im not being given acknowledgement for my payment to better my credit score. cant even get a trade in quote to get another vehicle being my lease is almost up

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26
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:
XXXX, XXXX and Experian are reporting inaccurate information on my credit report and is causing a lot of hardship. I contacted them via certified mail to dispute inaccuracies and they continuously send me letters that the accounts are verified when I request proof, but they refuse to remove based on some nonfactual information.

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 2021-01-11
Company: I.C. System, Inc.
State: KS
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:
On XX/XX/2020, I C SYSTEM add a derogatory mark on my credit reports. I C SYSTEM did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

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 2023-07-26
Company: Experian Information Solutions Inc.
State: AZ
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:
There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-07-06
Company: Bread Financial Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I receive my final bill from the original creditor Victorias Secret in XX/XX/XXXX. The due date for the bill was XX/XX/XXXX in the amount of {$55.00}. The bill was paid in full and the credit card account was closed. Soon after I started receiving bills in the mail associated with this same closed account. This has been going on for XXXX years and Victorias secret dont even have my payment history in their system anymore to prove what I am saying about paying off my account. Victorias secret was contacted on XX/XX/XXXX. XXXX funding was also contacted on XX/XX/XXXX of XXXX and the amount in their system as well as the amounts from the bills that I have do not match up. I am trying to get this off of my credit as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXXDEPT OF ED XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/2017 an 90 day late was reported on my credit report I was never late on the paid off account listed above, please show me documentation showing proof of transaction showing i was late to support your inaccurate reporting on my account, if you can not supply this, please delete this alleged late payment from my credit report for reasons that it is not a invalid late payment the FCRA allows 30 days for this to be rectified

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 2021-01-11
Company: CURO Intermediate Holdings
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:
Ive sent letters to XXXX, XXXX, XXXX, and also the company ( AD ASTRA RECOVERY SERVICE ) thats reporting inaccurate information to my account. Ive sent these letters XX/XX/2020 asking them to verify the account according to FCRA on my report which doesnt belong to me and they have completely ignored me.

Company response to consumer: Closed with explanation