BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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 Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under XXXX open end consumer credit plan as late for ar purpose. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: EQUIFAX, INC.
State: KY
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  Account # XXXX XXXX XXXX  Original creditor XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor XXXX XXXX  Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX  Account # XXXX U S DEPT OF EDXXXX Account # XXXX XXXX XXXXXXXX XXXX INQUIRIES 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 XXXXXXXX XXXX, XXXX XXXX, has violated my rights.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
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:
MY IDENTITY WAS STOLEN AND USED FOR FRAUDULENT PURPOSES. THE THIEVES APPLIED AND OPENED ACCOUNTS IN MY NAME AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND ALL OTHERS THAT I DO NOT HAVE KNOWLEDGE OF. 

ADDITIONALLY, I HAVE OVER XXXX XXXX  ON MY CREDIT THAT I DID NOT APPLY FOR. PEOPLE KEEP CALLING ME REQUESTING MY SOCIAL AND DATE OF BIRTH. COMPANIES KEEP CALLING ME BASED ON APPLICATIONS THAT WERE SUBMITTED IN MY NAME FOR A MORTGAGE, LOANS, CREDIT CARDS, AND APARTMENTS. 

MY INFORMATION WAS ACCESSED BY DATA LEAKS AT XXXX, EXPERIAN, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. I HAVE HAD FRAUD ALERTS ON MY CREDIT BUREAU REPORTS FOR YEARS, BUT THEY KEEP CIRCUMVENTING THE FRAUD ALERTS. 

THERE WERE BANK ACCOUNTS AND TAX RETURNS FILED UNDER MY NAME FOR THE PURPOSES OF FRAUD. I REACHED OUT TO XXXX XXXX, AND THEY REFUSED TO REMOVE THE FRAUDULENT ACCOUNT, STATING THAT THE ACCOUNT WAS MINE BECAUSE IT WAS UNDER MY NAME. 

I HAVE REACHED OUT TO THE BUREAUS, AND THEY HAVE NOT DELETED THE INQUIRIES NOR THE FRAUDULENT ACCOUNTS. THEY ALSO DO NOT RESPOND TO MY COMPLAINTS. I AM XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am infuriated with the credit system we have in place. Paying off a loan should not be a PUNISHMENT and it is to my XXXX XXXX EVERY TIME I PAY IT OFF! My XXXX XXXX dropped XXXX points and I am struggling against it when trying to rent a new home. 

I already have a bankruptcy on my report and this is the second time doing the RIGHT THING ( Paying off my loans ) Has shot me in the foot!

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 2022-05-20
Company: JPMORGAN CHASE & CO.
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 Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under XXXX open end consumer credit plan as late for ar purpose.

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: Atlanticus Services Corporation
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Contacted Fortiva on helping me out with financial hardship after my daughters medical crisis a couple months ago. Im having problems making payments because of it. Fortiva refuses to work with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: AES/PHEAA
State: UT
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:
I have worked at the XXXX XXXX XXXX, XXXX XXXX ( XXXX ) from XX/XX/XXXX to XX/XX/XXXX and recently applied to for PSLF and was granted PSLF on XX/XX/XXXX. I have made multiple payments after leaving XXXX  totalling {$12000.00} ( see Student Loan Payments after XXXX XXXX  and a few of them totalling {$1100.00} have been refunded ( see XXXX XXXX XXXX XXXX ). However, a large amount, {$11000.00}, has yet to be refunded. I have contacted Fedloan Servicing about this issue but have yet to recieve an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX and Equifax Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The XXXX and Equifax has failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed XXXX Inquiry Date XX/XX/XXXX XXXX XXXX  XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Experian Information Solutions Inc.
State: TX
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:
Refer to attachments thanks ( I do not know these debt collectors and I have never been in communication with them so pursuant to the FDCPA This is yet another violation )

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 2023-08-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 reached out to these companies on XX/XX/2023 stating that this inaccurate unknow information is not mine and I need it deleted. I asked these companies to verify these unknown, inaccurate accounts which is to provide me the original contract or agreement with my wet signature, and the statements where they interviewed others who know me. It has been over 30 days and these companies are continuing to violate my consumer rights and ignoring my request. I have provided what is stated by law needed to provide my identity and that I XXXX XXXX is a real natural person. These companies are reporting new negative information every month which is illegal. These companies have caused me and my family financial hardship because they are illegally continuing to report unknown negative information on my credit report which has made it difficult to find a job, and place to stay for my family and I.

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 2023-01-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 XXXX XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-05-26
Company: Consumer Financial Services Solutions, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
Today, I was on a call with a company marketed as Accredited, which provides debt settlement services. I was on inquiring, never gave them my social security number and did not give any approval for a hard credit inquiry. They asked for my name, birthdate and home address and said they would only do a soft inquiry to see what products they could offer. They requested my bank account number and routing number over the phone, which I would not give them telling them I could not provide that sensitive information without first having a better understanding of what company I was dealing with ( no privacy disclosures were provided to me on the call ). I ask that the companies debt settlement agreement be provided to me so that I could understand it before making a decision. I decided not to move forward with their debt settlement services. I then received a notice that I was denied credit. But I never provided an approval for a hard inquiry into my credit report and I was not at all intending to apply for a loan, nor was I advised that I was, in fact applying for the loan. 

The following was in the denial email ( the first time I heard that was engaging with XXXX XXXXXXXX XXXX ) Creditor 's name : XXXX XXXX XXXX XXXX XXXX address : c/o XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, at telephone number : XXXX My phone conversation was with a XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Accredited Debt Relief Direct : XXXXPersonal Fax : ( XXXX ) XXXX XXXX XXXX XXXX XXXX I received XXXX documents and to be able to review them I needed to check that I agreed to signature, but I never signed the documents and there were no disclosures to me that I was in fact applying for a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Experian Information Solutions Inc.
State: SC
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 An Amount {$20.00} Dates XX/XX/2022 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 a 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 explanation
Consumer complaint received 2022-05-20
Company: EQUIFAX, INC.
State: SC
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 An Amount {$20.00} Dates XX/XX/2022 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: GA
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXXXXXX Account Number XXXX Account Name : XXXXXXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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:
Capital One is hereby referred to as The Company. XXXX XXXX is hereby referred to as The Consumer. The Company is infringing on the rights of The Consumer by reporting erroneous bankruptcy status on The Consumers XXXX consumer report and erroneously multiple late payments and charge offs on The Consumers XXXX consumer report simultaneously. The Consumer states that he has not received a correspondence from The Company granting The Consumer the option to opt-out, as explained in 15 U.S.C. 6802b. Therefore The Company is knowingly reporting inaccurate information and not properly verifying the information provided by the furnisher, which is a violation of 15 U.S Code 1681s2 - Duty of furnisher to provide accurate information. This action is ultimately causing harm and a defaming the character of The Consumer. Ive provided screen capture of Irs 2021 Publication stating the definition of canceled debt, as well as the inaccurate consumer reporting to be update or deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: TD BANK US HOLDING COMPANY
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: Their investigation did not fix an error on your report

Complaint:
I filed a Credit Card Fraud Questionnaire with Target Card Services on XX/XX/XXXX. However, Target continues to report this account as delinquent with the Nation 's 3 credit bureaus, the only delinquent account on my credit report, and they are still actively pursuing collections from me. My XXXX Credit Score was XXXX on XX/XX/XXXX. Due to this one small fraud account, my XXXX is now XXXX. I respectfully demand that Target 's derogatory reporting be rescinded so that my credit score may return to " VERY GOOD '' These are NOT my charges, my ID was stolen and an account was opened in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-05
Company: EQUIFAX, 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:
For Equifax to say they can not find my credit file is just lazy, I sign into MY Equifax all the time so my credit file is available. 
Attached you will find a copy of my Drivers license front and back and a copy of my social security card. 
Please Equifax do you job and stop stalling I am a natural person, a living human being. I have rights under law 15 USC 1681, And they have violated my rights several times. I demand the accounts listed below be removed because According to 15 USC 1681. I have the right to privacy and did not give Equifax written permission to furnish these accounts. Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: Love, Beal & Nixon, P.C.
State: OK
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I was contacted by a debt collector in XX/XX/2016. I made an offer to repay loan. The representative told me he would submit my offer and get back to me. A week went by and I got no response so I called him back left a message. Waited another week called left another voicemail still no response. I was served with court proceedings regarding this student loan. I have been in negotiations with them. I made another offer to repay the loan. The same representative called me back and said the company wanted {$50.00} more a month than my offer. I explained I can not afford this at the moment. Once I pay some other debt off I could make higher payments. He wanted me to submit my personal checking info to his company. I do n't feel comfortable doing this. I would like to work with them but {$150.00} a month is all I can send at this time. He said this will not work unless I give my personal checking info.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: Security Credit Services, LLC
State: FL
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:
My XXXX credit report showed a collection item from Security Credit Svcs with a phone number of XXXX, the phone is a recording who never calls back. The company placing that collection, was XXXX in XXXX, XXXX. They said an online purchase of a phone on XX/XX/2021 was made with a XXXX XXXX XXXX, that was not mine, through XXXX XXXX and shipped to an address that was not mine. When the account was not paid, the collection item appeared on my credit report as well as my XXXX account. 
We both filed an identity fraud dispute on our accounts. 
In addition, we have filed an identity fraud complaint with the police department, and will be following up with the Federal Trade Commission.

Company response to consumer: Closed with explanation