BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-31
Company: Experian Information Solutions 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:
There is information, and/or means of identification on my consumer report that is knowingly being transferred, and used without lawful authority, with the intent to commit an unlawful activity such as defamation, that i did not authorize, nor was i given FULL DISCLOSURE by the companies mentioned in the identity report. 

SEE ATTACHMENTS!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23
Company: Paypal 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: Credit inquiries on your report that you don't recognize

Complaint:
I have tried to get this removed from my credit report I also I have called to dispute them I have filled a police report that someone has been using my information no one has helped me try get this removed from my credit report im trying to fix my credit score I never had anything under my name before or any thing no car no house no loan no bill 's I live with my parents every thing is under their name 's so I don't understand why this is still on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: Experian Information Solutions 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:
There is an ongoing matter that I am unable to solve on my own after many attempts with the credit reporting agencies Experian, XXXX, and XXXX, regarding the following accounts, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have written several dispute letters, all sent via certified mail with proof of delivery. I informed the aforementioned reporting agencies of the many inaccuracies listed on my consumer report. I pointed out several inconsistencies of information reporting between them as well. I also enclosed my consumer report with each of these disputes, and made sure to point out each and every error that I noticed by circling and or highlighting the disputed information with an explanation provided. The reporting agencies have not responded to me, nor did they remove any of the disputed items above. I do not believe they are taking this matter serious, and are fairly addressing the matter at hand. I have no indication that any true or reasonable investigations has taken place. 15 U.S. Code 1681i details the rules and procedures that the reporting agencies are to follow when accuracy is being disputed. They did not follow these rules. Secondly, 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) states that because I have a reason to believe that information being reported in inaccurate, the financial institutions are not to furnish such disputed information onto my report until it can be verified. The furnishers above continued reporting during each and every dispute process. Lastly, I have no idea how these financial institutions were able to gain access to my personal information. Per 15 U.S. Code 6801 and 15 U.S. Code 6802, my private nonpublic personal information is not to be shared with nonaffiliated third parties without my expressed consent, which I never gave them! The law states that these financial institutions must clearly and conspicuously disclose to me and provide me with the option to opt out of reporting. I was never given this choice! This is a clear case of identity theft! I do not see any attempts to protect the privacy and confidentiality of my information per Congressional findings under 15 U.S. Code 1681 ( a ) ( 4 ) and 15 U.S. Code 1681 ( b ) " Reasonable procedures ''.

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 2021-03-30
Company: EQUIFAX, INC.
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:
This complaint is about the XXXX bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Credit Acceptance is reporting a balance for a car repossession account on my credit reports. However, the company did not follow the laws and provide me with the required state notices after the car was repossessed. The company was required by law to send me a notice about the car being available for sale at an auction or a private sale. The company did not provide this notice. After the car was sold, the company was required to by state law to send me a notice notifying me of the same with a break down of the fees and any balance due. The company did not send this notice either. This is a violation. Due to the company not providing the required state notices, they can not collect any balance from me and can not report a balance owed from me to any credit reporting agencies.

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 2023-11-06
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
In early XXXX, XXXX  I moved from XXXX  to XXXX  after a near XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thus, I am unable to use the phone. I reached out to my credit card company, American Express requesting them to update my address and phone number. I sent numerous letters via US Mail to the customer service addresses listed on their website. They will not respond to replace my card or to close my account if they do not want to issue me a new card. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I no longer have access to my old number after it was disconnected and I was transferred to XXXX  for XXXX XXXX. I would like this account updated so I can use it, or closed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This account is reporting inaccurately.

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 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company 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 2022-07-16
Company: ALASKA USA FEDERAL CREDIT UNION
State: AK
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On Saturday, XX/XX/2022, XXXX from the fraud department of Alaska XXXX  in XXXX, Alaska, called me to tell me that someone from XXXX had all of my personal information and called Alaska USA on XX/XX/2022 and had them send him or her a new debit card. They sent it out to the address in XXXX, but they also told the XXXX Police Department after speaking with me. However, Alaska USA did tell me to file this affidavit, freeze my credit and get XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: EdFinancial Services
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
EdFinancial is no longer my loan servicer ; my loans were transferred to XXXX when I applied for PSLF. EdFinancial continues to report over {$75000.00} in federal student loans as being open and current, which has created a duplicate loan on my credit report and makes it look as if I own more than I do. That is two consolidation loans that were transferred to XXXX and have since been forgiven. My loans have all been with XXXX for several months, and EdFinancial is still reporting as open and active with them. I disputed the EdFinancial reported loan with the credit bureaus but the response is that EdFinancial verified the information as accurate. It is not. These loans have also already been forgiven under PSLF in early XXXX. Furthermore, I was behind on my loan a few years back and Edfinancial reported each disbursement as a late account, despite it only being one late payment to them. Since taking over those loans, XXXX continues to report the same late payments but they were not the servicer at that time. At any rate, I want EdFinancial to accurately report the status of the loans no longer held by them.

Company response to consumer: Untimely response
Consumer complaint received 2023-11-06
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX, I initiated the debt validation process by sending my initial request via regular mail to LVNV Funding LLC XXXX Subsequently, I sent two additional debt validation requests via USPS Certified Mail with Return Receipt Requested, each with a unique mailing request number. The tracking numbers for these certified mailings are as follows : USPS Certified Mail Mailing Request # XXXX USPS Certified Mail Mailing Request # XXXX As per the FDCPA, LVNV Funding LLC is legally obligated to respond to my requests for debt validation within 30 days of receipt of the request. However, I have not received any proper validation of the debt in question or any response from LVNV Funding LLC. This lack of response is in direct violation of my rights as a consumer and my rights under the FDCPA. 

I would like to remind you that the FDCPA requires debt collectors to provide verification of the debt and the name and address of the original creditor upon request. It is disheartening to note that LVNV Funding LLC has not complied with this statutory obligation, and as a result, I am left with significant concerns about the validity of the debt in question. 

I am now left with no choice but to report this issue to the Consumer Financial Protection Bureau ( CFPB ) for further investigation and action. The CFPB is responsible for ensuring that debt collection agencies comply with the FDCPA, and I believe it is necessary to involve them in this matter to address these violations promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 Account Name : Account Name : CB/NY & CO Account 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 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 the following information items. 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Paramount GR Holdings, LLC
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently got a notification for an inquiry I didn't recognize by Goodleap LLC. I have not authorized any hard inquiries on my credit report in over a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03
Company: Experian Information Solutions Inc.
State: OH
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:
On XX/XX/2020 I typed and mailed a my second letter to Experian regarding inaccurate and false information being reported to my credit report. After multiple attempts and no responses to my inquiries, it's starting to feel as tho my disputes are being ignored. 611 ( a ) states that a failure to investigate within 30 days gives reason to immediately remove the items in dispute from my credit report. We are now nearing 2 months without any correspondence from this company. I find it rather strange that Experian is the only company reporting these inaccurate account to my report. I am tired of this and I don't understand why!!! I demand these account be deleted ASAP or the next step will be me contacting my lawyer and filing for litigation and seeking damages due to the stress cause by this ordeal. My personal information was also compromised by the XX/XX/XXXX data breach and may have got into the hands of the wrong person.

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 2019-04-04
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:
According to 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ,6 ) Notice of Results of Reinvestigation ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the comple- tion of the reinvestigation, by mail or, if authorized by the con- sumer for that purpose, by other means available to the agency.

( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumers file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I have requested from Transunion to provide me with the name address and cont a number of the person or company used to verify this information and they refused to probed the information. I have a case if mistaken identity same name different social and I contacted the bankruptcy court listed and they said they do not verify reports and they do not verify social security numbers. So how did they verify this information? 

1.Court Name US BKPT CT TX XXXX XXXX XXXX XXXX U S COURTHOUSE XXXX XXXX , TX XXXX Type of Record Bankruptcy Reference Number XXXX 2.Court Name US BKPT CT TX  XXXX XXXX XXXX XXXX U S COURTHOUSE XXXX XXXX , TX  XXXX Type of Record Bankruptcy Reference Number XXXX XXXX deleted the inaccurate information in  XXXX of XXXX as soon as I reported the inaccuracy ... XXXX just deleted the inaccurate information XX/XX/XXXX and Transunion has refused investigate continues to send me the same generic letter stating it was verified and will not provide me with information as to who they verified this information with. Ive filed two complaints and they close them immediately stating Its pertaining a credit report and will be reviewed, they will not even look at the information being submitted.

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 2019-04-04
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2019, I XXXX XXXX went into wells Fargo bank, locate XXXX XXXX XXXX XXXX XXXX Fl. XXXX. Where the assist manager XXXX discriminate again me by not let me take money out of my account and help white client instead of me. I have present my driver license and debit card to Ms. XXXX and she told me she got other thing to do and left the branch.

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 2023-10-12
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
On XX/XX/23, Nelnet switch over only one of my federal student loans to REPAYE/SAVE and left all the others in standard repayment. They would not answer any questions as to why this was the case. I have since submitted another application ( received XX/XX/23 ) to switch all loans to SAVE and they have yet to make any changes to my account. This is causing unnecessary interest accrual and I will have an unaffordable payment when they become due for payment later this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Experian Information Solutions Inc.
State: IN
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:
This is my 4th attempt at trying to get this company to remove information that does not belong on my credit report. 

Per USC 15 6802. ( 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.

Also this item was charged off with 1099-C which means it is a certificate of indebtedness and has been claimed as income. It is against the law to be reporting on my credit report with a balance or at all anymore. 

Also consider the privacy act of 1974.

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 2023-01-23
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In XXXX, XXXX, I received an approval letter that stated my mortgage refinancing plan was approved.The next month Wells Fargo foreclosed on my house. After years of battling with them in the county courts, they completed the foreclosure in XXXX and I was forced to move.

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