BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I try to get the refinance my property so, my banker can not pull out the credit report. which they ( Banker said Disputed ) I try to fix up those problems so many days. by calling, and Internet complain too But I couldn't do any things to solve the problems That's why I report today for solve the problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: S&S Physician Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I recently pulled my credit report and there is a collection account that is listed. I have know knowledge of the account and have never been contacted by phone or mail about the account that the company say 's I owe. The account is affecting my credit score. I also see where the account was assigned on XX/XX/2018 in the amount of {$93.00} I also have not signed any HIPA forms giving permission for this or any other third party companies to obtain my medical records. I disputed this account but received an email back stating that this has been verified as accurate. I have not received any other documentation of the investigation explaining how they have come to this conclusion. I would also like a copy of the bill with dates and all related charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: CA
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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2019-08-05
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
On XXXX I requested that Experian investigate the XXXX XXXX XXXX Account ( account XXXX ) that is reporting as a collection on my credit report. According to the report I received in the mail from Experian the account was last updated XX/XX/XXXX. This means that Experian has never conducted an investigation when I requested it on XX/XX/XXXX. 
This is a violation of the FCRA.

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 2021-09-10
Company: DISCOVER BANK
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: Information belongs to someone else

Complaint:
I have this account that is not mine and i want it to be removed from my credit. 


1. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Report 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, Account number : XXXX, Account Name : XXXXXXXX XXXX XXXX Account number : XXXX Account Name : XXXX, Account number : XXXX, Account Name : XXXX XXXXXXXX XXXX XXXX Account number : 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.

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 items of information, other than records of convictions of crimes which antedates the report by more than seven year.

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. urate.

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 2021-11-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I filed a claim about a little over a month ago. When I initially opened up the claim Bank of America claim specialist said IT WILL BE A FULL INVESTIGATION that they would pull the ATM footage and compare with my drivers license photo and asked me well Ill be willing to prosecute the person who stole my money I said yes. Every ATM withdrawal was not me and I stand firm on that. THEY JUST CLOSED THE CLAIM AND SAID THEY NEVER PULLED THE ATM FOOTAGE. THIS IS UNFAIR AND UNLAWFUL ACCORDING TO THE TERMS AND CONDITIONS AND THERE Commercial Prepaid Card Account Agreement : 14. Bank of Americas Zero Liability Policy for Unauthorized Transactions. I NEED MY MONEY BACK.

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 2023-10-02
Company: Experian Information Solutions Inc.
State: IN
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 did not consent to, or authorize nor benefit from this account. Block and remove it. 
XXXX XXXX Balance : {$26000.00}

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 2023-03-17
Company: Experian Information Solutions Inc.
State: MS
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 am re-submitting this dispute. I have contacted this bureau multiple times requesting an investigation. I am verifying that this is me who is disputing these fraudulent items. I need this removed and blocked permanently

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Experian Information Solutions Inc.
State: NY
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:
On XX/XX/2022 I sent a letter for inaccurate accounts on my credit report. It has been days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate these accounts gives me a reason to immediately repair the accounts from my credit report, they should be promptly corrected. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please update and correct my accounts right away. 

XXXX 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 explanation
Consumer complaint received 2022-10-31
Company: ALLY FINANCIAL INC.
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I am writing this letter in regard to a recent adverse action that was done against me, pertaining to a getting a loan for a vehicle on XX/XX/22. After carefully reading the letter, it seems you have discriminated against me based off my consumer report. Company procedures does not supersede Federal Laws. This is a direct violation of my rights of a consumer 15 USC 1602 ( f ) tells me that credit is my right. I can not be denied a right 15 USC 1602p makes it clear that you, ( ALLY BANK ), have committed fraud and used my credit card without authorization and I received no benefit. 15 USC 1691 ( a ) ( 3 ) makes it clear that I can not be discriminated against. Now I would hate to escalate this situation and I am sure that you are just doing your job ; but I would have to hold you personally accountable for this because as of now you are acting as unauthorized representative. I am willing to let all of this go if your company does the right thing and reverse this decision. 

Thank You

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 2019-11-07
Company: EQUIFAX, INC.
State: AZ
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 am a known ID theft victim of the 2017 Equifax data breach and they continue to report fraudulent information on my credit report resulting from that breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17
Company: BRite Financial Services, Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
In XXXX of 2017, I leased a car from carite but a bank named brite financial gave me the loan. I was at a fresh credit and was still charged an enormous amount of interest, I was paying {$400.00} at XXXX XXXX XXXX XXXX. I was given an job loss preventation program that I find out was a lie years later. The car was messing up within the first 30 days and I was guaranteed an fix and the company denied to fix the vehicle I couldnt return my car or anything within the first 30 days so they knew I was stuck with a bad car. I lost my job while working full time and attending school. I expressed that to the repo manager at the time and she took my car because I was being disrespectful and I was also in a private property which they broke a state law. They have multiple errors on my credit and both bureaus refuse to remove the account from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
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:
I am a natural person, a living human being. I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. They have violated my rights numerous times. I demand the accounts below be removed because : according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 
XXXX XXXX XXXX XXXX XXXX Credit Card and Auto Loan

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: FIRSTBANK PUERTO RICO
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have a loan with XXXX XXXX ( belongs to First Bank ). This loan is protected under SCRA law. While being away for training for many months the loan was marked as bad debt. I tried making payments in order to refinance the loan and bring it up to date. While making payments I noticed my SCRA law benefits had been taken away. Changing the 6 % interest cap rate, to a daily charged interest that has brought my account from a {$4400.00} balance to a {$5700.00} balance. Under the SCRA, the Attorney General is authorized to file a federal lawsuit against any person ( or entity ) who engages in a pattern or practice of violating this law. 50 U.S.C. 4041 ( a ) ( 1 ). When the Attorney General files a lawsuit under the SCRA, he has the authority to seek monetary damages on behalf of individual servicemembers. Id. at 4041 ( b ) ( 2 ). The Attorney General also has the authority to seek civil penalties, equitable relief, and declaratory relief. Id. at 4041 ( b ). This is the second time this institution has violated my SCRA rights. I have make multiple attempts to fix this situation. Collections supervisor XXXX XXXX has never been available to attend or return my calls. I need this illegal interest to be retroactively removed from my account and I ask for my account status to be set as current up to date, as a remedy for this illegal action for a second occasion with the same creditor and in order to avoid legal action at the federal level with my representation from Judge Advocate XXXX XXXX ( XXXX ). It is worth to mention I have evidence of multiple emails sent to XXXX XXXX, XXXX XXXX and other employees, with all military documents proving my SCRA eligibility. I have also contacted the XXXX XXXX on XXXX XXXX XXXX times and one has been able to assist. Once again I ask for my account status to be changed to current so I can resume payments, and the interest retroactively adjusted to 6 % in order to avoid a federal lawsuit for this illegal pattern.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: Experian Information Solutions Inc.
State: TN
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 and Title 15 Annotated commerce and trade .The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX Us dept of ed/XXXX XXXX XXXXXXXX XXXX XXXX XXXX/Dept of ed # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A. its also states a consumer reporting agency can not furnish a account with out my written instruction.

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 items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-16
Company: DISCOVER BANK
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2020 or thereabouts I closed my XXXX  due to Covid-19. As there is no mail slot we applied to the Post office to forward the mail to the office manager 's home. Due to a slow down with mail delivery during Covid my XXXX bill went lost and my XXXX bill arrived late. Payment was made in XXXX for the {$12.00} bill and the late penalty. There was a mistake made by discover and they incorrectly credited the wrong account so that my account appeared 90 days delinquent. They corrected this, but still reported a 60 day delinquency to the various credit reporting agencies. As a result my credit score went from low XXXX 's to XXXX. Discover Card has ignored my requests to remove the delinquency. It is now impairing my ability to get a good rate on a mortgage. Do I have any recourse? Can you office offer any assistance? It is absurd that my credit score should be so profoundly affected by a delinquent bill of {$12.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had an vehicle loan with XXXX XXXX in XXXX and was making payments as agreed and on time. Then, I ended up having to file a XXXX XXXX Bankruptcy due to some medical bills and other debt. The vehicle was included in this filing in XX/XX/XXXX. Through the agreement, they were paid as scheduled and the vehicle was paid in full this year around XXXX. I finally received the title and Lien of Release. However, when I check my credit report with Experian and XXXX, the payment history shows 30/60/90 days delinquent and as a charge-off beginning in XXXX of XXXX. I have contacted XXXX previously and they were, from my understanding going to correct this. As of XX/XX/XXXX, they have not and in fact, my FICO score with Experian dropped from around XXXX to XXXX since XX/XX/XXXX. I firmly believe, that when I requested my title and complained that my credit information was incorrect, my score dropped drastically. I did submit an email to their Credit reporting office on XX/XX/XXXX and am awaiting a reply. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
On XX/XX/2022 I sent a letter for an inaccurate account on my credit report. It has been days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate this account gives me a reason to immediately repair the account from my credit report, they should be promptly corrected. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please update and correct my account right away. 

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