BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-12
Company: Experian Information Solutions Inc.
State: AK
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:
Received notice from the Alaska XXXX XXXX XXXX XXXX ( XXXX ) in behalf of my mother ( ageXXXX, I'm her daughter with POA ) and attempted to request a credit report in her behalf from all three companies that they provided ( Experian, XXXX, and XXXX   ) did not receive any ( typical POA problem I suppose ). I also request the same three request for myself and had my husband do the same. 

The XXXX never received for us. the Experian report had incorrect last name and the information on both reports overlapped with some other individual. I called on mine, and all they did was correct the misspelled last name and did not make any comment about the rest of the overlapping information or volunteer to send out a corrected report. 

I am now filing a complaint that this Credit Reporting Company "  Experian '' should not be relied upon.

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 2023-01-30
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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX Original creditor : XXXX Account info Account number XXXX Date opened XX/XX/2017 Account type Collection Contact info Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2018-08-07
Company: Regional Management Corporation
State: NM
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Hi : my name is XXXX XXXX, on XX/XX/XXXX I got a XXXX loan from Regional finance XXXX XXXX XXXX XXXX, XXXX XXXX, NM XXXX, on XX/XX/XXXX I made a payment of XXXX that apply for a few months, from XX/XX/XXXX to XX/XX/XXXX then we made another XXXX payment on XX/XX/XXXX, to cover from XX/XX/XXXX to XX/XX/XXXX, from XX/XX/XXXX didn't make any payments till so they added XXXX interest on the balance, XX/XX/XXXX I made a payment of XXXX they applied to the interest. then I made 9 more XXXX payments, they applied all 10 payments to interest balance went up fromXXXX to .XXXX now they are charging interested over interest. I want to pay in full but I think my it's to much XXXX it's not fair. I'm willing to pay what's rights, I spoke to the manager XXXX XXXX and discuss about haw interest works and he kind of explained but I wasn't convinced I need your help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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: Was not notified of investigation status or results

Complaint:
I have filed a dispute with the credit reporting agencies in regards to medical information reporting on my credit report. I still have not received any information in regards to my complaint. This is really hindering me from moving forward financial. It has now been over 30 days. I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response Please remove this inaccurate information from my credit report as soon as possible. Thanks in advance

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 2018-11-18
Company: Williams & Fudge, Inc
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Back in 2016 I attended XXXX University. I applied for financial aid and was awarded the aid. I end up failing the class and now they are trying to charge me the full amount of the class when they were paid. My financial was never sent back to XXXX XXXX XXXX XXXX XXXX. I do not owe that debt as it was paid when my financial aid was disbursed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: AES/PHEAA
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My student loan with a balance of about {$1200.00} is being reported incorrectly. It is currently held though American Education Services. They have held the loan since XXXX and have not reported the loan as current or any of the payments that I have made. The loan is still listed as held by a prior servicer and in default. This is causing continued damage to my credit and affecting my ability to refinance other loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: KEYCORP
State: VT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I requested a 2 month extension with key bank as I ran into a financial situation which I'm still in. I was told if I called back in XXXX or XXXX they would help me so I did. I had my father call as he is on the loan too. And they gave him a hard time. I'm still fighting with them I have reported them to the XXXX. I got a letter from them stating that my hardship provided indicates a long term hardship all I asked for was 2 months so I could get caught up do I wont lose my car

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: U.S. BANCORP
State: OK
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
can't access account, at all. tried calling every number possible. can't get online banking on the website or by calling the 1800 number.

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 2023-04-07
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My name is 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 response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: Credit Protection Association, L.P.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I requested validation of debt and company responded on XX/XX/2017 confirming that the debt could not be validated and would be deleted from my credit reports. Instead the company sold the debt and it now appears on my credit reports from a different collection company.

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 2023-04-07
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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 or 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 cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
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: Was not notified of investigation status or results

Complaint:
hey please remove this account I know you will understand me in this situation this is becoming a frustration to me. Please be deleted before 30 days If you do not respond within this time period, Thank you for your time. Hoping that I could get some favorable news after this investigation.

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 2018-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX {$240.00} I challenge the accuracy, compliance and reportability of these listings. 
There are no contracts, no valid claim ... accounts were settled with original creditor ( GA XXXX XXXX XXXX XXXX XXXX ) ... grave errorfalse claims and reportingI want this account removed immediately or litigation may follow. You can not collect a debt twicethis is unlawful Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: CITIBANK, N.A.
State: PA
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:
XX/XX/2016 I purchased a {$1700.00} laptop from Best Buy with computer, XXXX security plan and XXXX XXXX totaling {$2000.00}. I had the laptop for 5 days to a week and the laptop went completely black and wouldn't turn back on. I took it to the XXXX center in Best Buy and they kept it for a week to get it fixed. When I got it back in my possession within 3-5 days I was having the same problem that they were supposed to have fixed. I took the computer back requesting my money back. They said, I was past the 15 day return period. They had the laptop in their possession 90 % of this period. They said, that isn't possible however they would credit me {$2000.00} for the laptop, computer bag, XXXX security plan and XXXX XXXX. I agreed to credit. I asked them if I was free of any charges and they said yes. 
I made total of 6 payments. My last payment was XX/XX/2016. I called Best Buy on several occasions and they kept giving me runaround. After several calls to the company I finally got someone to resolve the issue and that's when I found out the associate never credited my account. Instead he gave me a gift card in the amount of {$2000.00}. I told them I wasn't paying another dime for something I don't own. I had no product in my possession. I used the gift card one time with a purchase of {$690.00}. And after that I missed place the gift card due to moving. When I contacted the company about replacing it they denied me. I received a letter from a 3rd party collection agency requesting me to pay the company. I requested for a payoff just to get it off of my credit report. They recommended that I contact the company. I did and couldn't get a live person to speak with. So, here I am. Best Buy agreed to a pay off in the amount of {$1600.00} something to settle it. And now it states on my XXXX  credit report as a Charge off. {$2700.00} written off. This is a false statement. I have a letter from the 3rd party agency showing Best Buy agreeing to the settlement.

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 2022-07-13
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX account # 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 : it also states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of the competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: EQUIFAX, 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:
I have never had an account with XXXX XXXX nor XXXX XXXX. This information belongs to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: NC
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:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX DATE OPENED XX/XX/XXXX -- - IDENTITY THEFT. PLEASE DELETED XXXX XXXX - DATE OPENED XX/XX/XXXX -- - IDENTITY THEFT. PLEASE DELETED XXXXXXXX XXXX  XXXX XXXX XXXX -- - IDENTITY THEFT. PLEASE DELETED XXXX XXXX XXXXXXXX XXXX XXXX -- - IDENTITY THEFT. PLEASE DELETED UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: Nationwide Debt Reduction Services, LLC
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Confusing or misleading advertising or marketing

Complaint:
My daughter called me to inform me that we received an official looking letter in the mail addressed to me that looked to be from a bank or financial institution and that it looked important. I asked her to open it and let me know what it was, and as she read it off to me, it appeared to be a threatening sounding letter from a debt collector trying to resolve an outstanding debt. After she read it to me, i asked her who its was from and she couldn't figure it out. I told her not to worry because we didn't owe anyone, and that it must be a mistake. When i got home I looked at it and determined that it was a misleading scam advertisement from Nationwide Debt Reduction Services that was sent to me because I simply have revolving debt, not because i have any debt that needs to be settled. I have outstanding credit, but this letter is written is such a way as to suggest that failure to call them within 10 days will suffer major financial hardship. I was able to figure it out, but it tricked and scared my daughter, and certainly would scare others into calling them. It is an outrageous and deceptive attempt to use fear to incite people into calling them. If this isn't illegal, it should be. Its simply wrong and should be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : it also Statesa consumer reporting agency can not furnish a account without my written agreement or instructions. thank you much for reviewing this matter. 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 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XX/XX/XXXX XXXX made an unauthorized inquiry XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX Pull my credit and i did not authorize them to pull. 
XXXX XXXX XXXX, pull my credit on XX/XX/, I did not authorize them to pull. 
XXXX XXXX pulled my credit on XXXX XXXX XXXX. Ive called all the companies listed and was told that they would remove the Inquires, but has not removed the inquiries. 

Also, Theres a XXXXXXXX XXXX account ( opened XXXX ) ( amount of the trade {$800.00} ) reporting on my Credit file, that i am not responsible for, i am no longer listed as an authorized user on this account. i have disputed this account for the last 4 months, and this accounts still remains on my credit report. XXXX XXXX  no longer have me listed on this account and has taken me off. XXXX, XXXX, and Transunion are still reporting this 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 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello I am submitting this complaint without error or influence of any third party agencies. Please see my attached documentation as it contains my request.

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