BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-12-16
Company: EQUIFAX, INC.
State: TX
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:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, TX XXXX XXXX there is some inaccurate information reporting. 
XXXX  XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX  XXXX : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
My account was transferred to westlake protfoio management. I asked for proof they have my account. I never received when I call I am always disrespected by called maam. I have four times been transferred nine times been hung up on and when I have asked for a supervisor I never get one. All I want is a letter of voluntary surrender for my car. At this point I feel like a court action is needed. I have now on hold for the five time. 

My account number with them is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX  XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Reference # XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX, GA XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: Ad Astra Recovery Services Inc
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have reviewed my credit reports and have found that I do not recall having an account with Ad Astra/XXXX XXXX. I have previously disputed this account on my credit report to no avail. This most recent dispute was on XX/XX/XXXX. I wrote them a letter requesting validation of the debt. I cited the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ) in hopes that they would take me seriously. Unfortunately, as before, they don't. On XX/XX/XXXX I  received documents in the mail that include information from the original creditor, XXXX XXXX. There is also what appears to be a generic " Multi-pay Loan History '' typed up on 5 pages. 

There is NOT a signed contract. In fact, there's not even a contract at all. I know that a spread sheet of sorts is not sufficient to have something placed on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Experian Information Solutions Inc.
State: MI
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 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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate XXXX But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting.

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 2023-06-29
Company: FirstPoint Collection Resources
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
First Point Collection Resources is a third party company and trying to collect funds on a account that was not with this company I ask for a debt verification and they cant get me that information this company reporting on my credit report and the fair credit act gives me the right to request it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I had a student loan balance with XXXX XXXX XXXX XXXX. I then decided to refinance with XXXX, who made the payment to XXXX XXXX in XX/XX/2021. They did not pay the correct amount ( they were short by {$2.00} ) meaning I had an outstanding balance since then, which has been accruing interest. For some unknown reason XXXX didn't make the correct payment amount, and XXXX XXXX did not communicate to me that I still had an existing balance. I should have checked with XXXX XXXX, but I assumed that XXXX had done this properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Acct # : XXXX that ended in an eviction filed XX/XX/XXXX due to IDENTITY THEFT. Original Creditor XXXX XXXX has allowed Columbia Debt recovery LLC ( dba Genesis Management ) to report a 'identity theft ' debt to all 3 credit reporting agencies even though this is a serious violation of the FCRA Section 605 ( B ). This fraudulent account was established in XXXX XXXX. A police report and an FTC report were both filed in XXXX, please see attached document. This account fraudulently associated with XXXX XXXX needs to be squashed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Payfare International Inc.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX i tried to use my payfare atm card at a XXXX XXXX XXXX atm. The atm malfunctioned and didnt give me any money but the {$440.00} i tried to take out was still debited from my account. I filed a dispute with payfare and contacted XXXX. On XX/XX/XXXX i spoke to XXXX again and they said they recieved the dispute from payfare and that the atm had malfunctioned and they sent the money back to payfare. The money still hasnt been put back in my account yet. XXXX rarely responds to emails and only says it can take XXXX days which is unacceptable considering the other bank already returned the funds. When i call payfare to get a live update they just tell me it can take XXXX days and hang up on me with no real update

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2021, CHASE BANK denied my application for obtaining credit with the CHASE FREEDOM CARD. This is in violation of 15 USC 1691 ( a ) ( 3 ), of the FDCPA. ( proof attached ). CHASE BANK is not allowed to deny me my OWN credit. Pursuant to 15 USC 1602g and 15 USC 1602j, under the TILA, I am the Original Creditor and I have an open-ended credit plan. Pursuant to the FCRA, a credit report does not determine whether I get " approved '' or not. Credit Reporting Agencies assumed the role of creating credit reports and files. CHASE BANK 's denial has not allowed me to obtain the credit I am entitled to as an Original Creditor and has caused my life stress, violating my rights as a federally protected consumer under 15 USC Chapter 41.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My wife stole my XXXX cell phone ( XXXX ) XXXX, huntington bank debit card, XXXX  XXXX credit card, XXXX XXXX credit card and XXXX XXXX credit card. 
My iphone had all the login information and passwords for all of my debit cards, bank account, credit cards, social media accounts in the notes while i am in XXXX. 
My wife flew back to XXXX on XX/XX/2022 with her father and abducted my son and all my travel documents with her. 
I came to know on XXXX XX/XX/2022 that my wife withdrew all the money from my huntington bank account. 
So I am reporting this fraud activity against my wife XXXX XXXX. 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: R & B Corporation of Virginia
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called the collections company the day I received the notice. I disputed it that day. They told me they sent XXXX  ( the cable company who made the original mistake, underlying this issue ) a notice that it was under dispute. I then spoke to XXXX who agreed to process a request to write off the remaining 9 ... a request that was rejected ( according to XXXX  ) only because Credit Control Corporation never in fact submitted my dispute. In effect, they lied. ( XXXX, employee ID # XXXX can confirm this on the XXXX side ). And a direct result of their lie was that XXXX 's attempt to cancel this utterly insane debt, was denied.

One would like to think that lying to folks about whether their alleged debt is under dispute or not would be a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
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:
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. 

Accounts : XXXX  XXXX XXXX ( Late Payment On XX/XX/XXXX - Closed & Paid Off - Reports To Experian, Letter Sent To XXXX XXXX XXXX to Remove Late Payment - Inaccurately & Inconsistent ) XXXX XXXX XXXX XXXX XXXX ( Late Payments XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Reports To XXXX, Experian - Inaccurately & Inconsistent ) XXXX XXXX XXXX - {$2100.00} ( Reports To XXXX, Experian XXXX Inaccurately & Inconsistent ) XXXX XXXX XXXX- {$3500.00} ( Reports To XXXX, XXXX, Experian XXXX Inaccurately & Inconsistent XXXX XXXX XXXX XXXX - {$460.00} ( Reports To XXXX, XXXX, Experian XXXX Inaccurately & Inconsistent ) 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 explanation
Consumer complaint received 2022-07-07
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX Account DATE : [ XX/XX/XXXX ] Reason : [ NOT CORRECT ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. 

Thank you for your time and help in this matter. 

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 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX 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 accounts 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 this 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 2023-07-31
Company: Experian Information Solutions Inc.
State: IN
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 account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

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 2022-12-31
Company: Experian Information Solutions Inc.
State: NY
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.

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