BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-02
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I received a copy of my credit report and to my surprise theres a new address on my credit report. Ive disputed this inaccurate information several times and Experian refuses to remove the inaccurate information. Even after providing proof of address so that my proper information reflects on my report Experian still refuses to remove these addresses. In accordance with the FCRA any and all inaccurate information shall be removed from a consumers credit report. With the data breaches & the bureaus reporting millions of consumers information incorrectly the last thing a consumer should have to do is jump through hoops to get things removed that the LAW states I have a right to do not a privilege. The addresses are XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX please assist

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-10
Company: EQUIFAX, 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 been disputing fraudulent items on my credit report with Equifax, XXXX, an XXXX for the past six months to no avail. I first submitted my first dispute for XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX, which is a collection account that was once removed due to fraud since XX/XX/2020. I submitted an FTC report to XXXX, Equifax, and XXXX with these fraudulent accounts and every time I submit a dispute and attach the Identity Theft Report from the Federal Trade Commission, they all states the item was certified from the creditors. I've asked for validate that the items belong to me, with my signature as proof, but the Credit Bureaus won't cooperate. Equifax, XXXX, and XXXX states that the FTC report was not valid when I worked with a representative from the Federal Trade Commission to create the Identity Theft Report. The accounts from XXXX XXXX, XXXX XXXX XXXX. and XXXX XXXX were removed already due to fraud. This is totally unacceptable and these accounts are reporting negatively on my credit report and affecting my livelihood. According to the FCRA, when you submit an Identity theft report, those accounts should be removed with 24-48 hours.These accounts have been reporting fraudulently since XX/XX/2020. The negative reporting have dropped my credit score from a XXXX to XXXX. I've spoken with XXXX XXXX about the fraud. They know I didn't open these accounts, but they are still reporting them negatively because I won't press charges on the person I suspect that used my identity. I did not open these accounts and I should not be held liable for these fraudulent accounts.I call these Credit Reporting Agencies all day everyday. It takes so much time out of my life. It's very depressing and and is taking a toll on me. The hold times to speak with a representative is almost a 45 minute wait. It's very tedious and frustrating to have to fight for what's right, when the bureaus hold your life in their hands. I pray that this complaint rights the wrong I've experienced.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this on my credit report. It is not belong to me. It 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 explanation
Consumer complaint received 2022-10-12
Company: Maximus Education, LLC dba Aidvantage
State: ID
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:
I have student loans through AidVantage. I was a young mom of XXXX, went to school and later divorced and a single mom. My loans have always been on either deferment or on an income contingent based plan and my payment amounts are {$0.00} a month. On my credit it shows that I have 12 missed payments from XXXX. I have called AidVantage several times. I was told that my accounts came out of deferment on XX/XX/XXXX and went back in to deferment on XX/XX/XXXX. Let me be clear, that is not even 30 days. I didn't have an amount owed because they were in deferment. It shows that I do take this seriously, the accounts were current before this and have been since then. I am being severely affected in my life now from these negatively impacting my credit. I have asked if they would remove the so called missed payments and they have repeatedly told me that they can't, that I have to dispute with the credit bureaus, but they would send me a credit reference letter to make up for it. I am trying to buy a home and these 12 " missed '' payments are severely affecting my credit score. Without them I would have a XXXX+.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent several factual disputes to each bureaus informing them of the inconsistencies and violations of the FCRA with how this account is reporting on my credit profile. It is my understanding that the FCRA requires that all credit bureaus are reporting the same information across the board, and that information has to be consistent, if not its a violation. Theres several violations with this report such as, the inconsistent date is open, stating the account is not being disputed when it is, Transunion reporting this account as open and XXXX and XXXX reporting it as closed!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Greetings, My name is XXXX XXXX. I am contacting you regarding an auto loan with Santander Consumer. This company has already been sued over the business practices to the amount of {$65.00} XXXX  dollars. I had my car repo twice by this company. Funds were never an issue. My girlfriend and I have our jobs for over 5 years. I used my credit card to make my pays to keep all my bills all in my own place. Santander changed its policies without any notice. Santander no longer wanted to accept credit cards. I paid the fees and got my car back. To prevent this from happening again, I providing my banking info for auto payments for the car loan. Everything was fine for around 2-3 years. Until one day Santander was no longer taking the payments. This ruin my credit I tried to fight, in return Santander repo my car again. Even though I had the funds to get the car back. I was just had enough of the games and tired of jumping throw loops just to pay my car note. 

Thank you for your time, XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done XXXX XXXX by me. The stuff on my credit report is wrong 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 explanation
Consumer complaint received 2023-04-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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  # XXXX has violated my rights. ( Experian ) Account name : XXXX XXXX XXXX  Account # XXXX has violated my rights ( Experian ) Account name : XXXX Account XXXX XXXX has violated my rights ( Experian, XXXX, XXXX ) Account name : XXXX XXXX  Account # XXXX has violated my rights ( Experian ) Account name : XXXX XXXX  Account XXXX XXXX has violated my rights ( Experian ) Account name : XXXX XXXX XXXX Account # XXXX has violated my rights ( Experian ) Account name : XXXX XXXX XXXX  Account # XXXX has violated my rights ( Experian, XXXX ) Account name XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX has violated my rights ( Experian ) Account name : XXXX XXXX  Account # XXXX has violated my rights ( Experian ) Account name : XXXX XXXX Account # XXXX has violated my rights ( Experian ) Account name : XXXX XXXX XXXX Account XXXX XXXX has violated my rights ( Experian ) Account name : XXXX XXXX XXXX Account # XXXX has violated my rights ( Experian ) Account name : XXXX XXXX Account # XXXX has violated my rights ( Experian, XXXX, XXXX ) Account name : XXXXXXXX XXXX XXXX  Account # XXXX has violated my rights ( Experian, XXXX, XXXX ) Account Name : XXXX XXXXl Account # XXXX has violated my rights ( XXXX, XXXX ) Account name : XXXXXXXX XXXX NA Account # XXXX has violated my rights ( 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 an 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 2023-10-23
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 explanation
Consumer complaint received 2023-06-02
Company: Experian Information Solutions Inc.
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 explanation
Consumer complaint received 2021-01-10
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX  - incorrect info - was paid due to insurance theft for truck backed by secured loan - was paid in full never in collections remove from credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX  - incorrect info - was paid due to insurance theft for truck backed by secured loan - was paid in full never in collections remove from credit

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 2018-03-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Capital One Auto Finance was compensated for the loan on account number XXXX. 

Capital One Auto Finance is still reporting at the State of Michigan Secretary of State that it has outstanding lien on the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Experian Information Solutions Inc.
State: OH
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:
The unverified items listed remain on my credit report in violation of Federal Law. Experian is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

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 2022-10-12
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I did not open XXXX XXXX  account # XXXX This is a fraudulent account I did not give this creditor written consent to access my credit file According to the FRCA The Term " Investigate consumer report " Means a consumer report or portion Thereof In which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items or information They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece Of information on this account are still not reporting 100 % accurate and according to the FRCA 15 U.S.C 1681 everything has to be accurate Account XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I've been trying to dispute a charge on my American Express since XXXX. I've submitted several pieces of documentation to American Express but they continue to reject my claim without a clear understanding of why. When I call the disputes department, I'm only told to resubmit new information. How can I provide information without knowing what American Express is looking for? 

Nonetheless, I've provided American Express proof that the vendor is misrepresenting facts, and the goods were not as described. I would appreciate if American Express would clearly state why they are rejecting my claim when I've provided sufficient evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
LVNV FUNDING LLC IS STATING I OPEN AN ACCOUNT WITH THEM XXXX XXXX AND OWE {$9300.00}. MY ORGINAL CREDITOR IS XXXX ACCOUNT OPENED XX/XX/XXXX. LAST PAYMENT MADE WAS XXXX XXXX AMOUNT OWED {$750.00}. IVE WRITEN LETTER AND THEY ARE STATING I JUST OPENED THIS ACCOUNT. THIS SHOULD HAVE BEEN REMOVED FROM MY CREDIT XX/XX/XXXX. IT IS BEING REPORTED EVERY MONTH AS A NEW DEBIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: Waterfall Revenue Group
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Reviewing my credit reports online and notice a collection account for {$180.00} which I was never aware of. On each report the same bill is listed with two different names on my report. Also a law was effected that no longer are collection agencies allowed to place a debt on your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I XXXX XXXX XXXX am contacting you because I am so emotionally distraught about the compromising of my social security number, Email Login, and passwords. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed complaints # XXXX & # XXXX and both is attached. Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. I did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them. If I consented to these inquiries, then please have a senior executive certify under the penalty of perjury that I in fact consented to these inquiries in writing under 15 USC 1681B ( a ) ( 2 ). If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ). My information was obtained without permissible purpose because I never gave your company written consent to accept information from any creditor, but you still accepted my information and reported it to the public. 15 usc1681a ( 3 ) defines Identity Theft as a fraud committed using the information of another person.Your company is now criminally and civilly liable of identity theft and i plan to file litigation in this matter.

15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me withing 24 hours of receiving this dispute letter. Your company does not have the jurisdiction to put whatever you want to reportt on my credit report, if so please send me a document specifically stating your jurisdiction over me and what I CHOOSE TO HAVE REPORTING TO MY CREDIT REPORT. I am a single father who is struggling during the pandemic and the last thing I need is the credit Bureaus to be reporting false misleading information on my report. there are accounts listed on my account that don't even have contact information for me to send the company a direct Dispute. that is not fair and actually that is illegal.The following items below do not belong to me and is a result of fraud that I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
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:
someone stole my credit card and used it, it was a XXXX XXXX XXXX XXXX. XXXX XXXX took care of that immediately, but then on XX/XX/XXXX I got a XXXX XXXX hard inquiry on my experian that I did not inquire about, I called to get that taken care of but they told me the inquiry wouldn't come off for over 100 days. 

on XX/XX/XXXX I got a hard inquiry on my XXXX from XXXX XXXXXXXX XXXX, I called them to get it taken care of and got told the same thing and that they will be placing a fraud alert on my credit. 

XX/XX/XXXX I received a fraud alert from XXXX  a credit pull was attempted by a bank named XXXX XXXX 

back in XXXX XXXX I received a letter in the mail letting me know my information had been apart of the XXXX data breach, so I'm afraid this could have something to do with this unfortunately. 

I have since then locked all 3 credit bureaus but whoever is trying to steal my identity is calling these companies claiming to be me, trying to log into my Experian account I'm assuming to unlock my credit, and going as far as posing as the department of real estate sending me a letter claiming they need my finger prints, I called the DRE to confirm this letter and they confirmed it was NOT them and to please disregard the letter they never sent that to me.

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