BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
There is no third party involved I attached my Id docs so you will know who I am and not say that someone else is filing this complaint on behalf of me. And so you also will not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information

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 2021-12-27
Company: EQUIFAX, INC.
State: FL
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:
There is no third party involved I attached my Id docs so you will know who I am and not say that someone else is filing this complaint on behalf of me. And so you also will not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: Experian Information Solutions Inc.
State: MI
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 filed for bankruptcy in 2017 and it has been discharged. Experian is reporting this bankruptcy on my credit report, as well as accounts that were listed in my file. I didn't give them permission to report my private business.

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 2023-08-01
Company: EQUIFAX, INC.
State: TN
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:
My understanding is that CFPB IS SUPPOSED TO HELP AND AD FAR AS I CAN TELL, no such thing is happening! Equifax has yet to provide their proof about XXXX and it has been removed on all other accounts! I have sent police reports and court documents! A collection company tried to sue and garnish my wages! How can this even be allowed! Now EQUIFAX has added XXXX XXXX XXXX Company to my credit for XXXX $ that showed up with a balance on XXXX! Where is the proof of anything from Equifax? I am calling an attorney after this complaint for my records! I have reached out to you CFPB and still have no answers!!!!! 
Where is the proof?? A police report and court documents should be proof enough! Why is this on my credit!!! So what you are telling me is that I opened a XXXX account XX/XX/XXXX and first delinquency was XX/XX/XXXX? Show me checks were I made a payment or even a checking account payment! And my signature!!! This is a bold face lie and CFPB IS DOING NOTHING NOR IS EQUIFAX BUT ENABLING THESE BLOOD SUCKERS!!!! I want THESE LIES REMOVED FROM MY CREDIT!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-28
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:
In accordance with the Fair Credit Reporting act. The list of account ( s ) below has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of ed/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX US dept of educatio XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The consumer reporting agency also violated my federal rights by running a credit check on me multiple times from each of the consumers listed

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 2021-12-27
Company: Experian Information Solutions Inc.
State: FL
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:
There is no third party involved I attached my Id docs so you will know who I am and not say that someone else is filing this complaint on behalf of me. And so you also will not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information

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 2023-04-28
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:
I have no knowledge of the account from XXXX XXXX Acct # XXXX. Under section Section 1604 15 US Code 1681 B, you do NOT have the right to report anything on my credit report without my written consent. Under FCRA rules you MUST DELETE this item from my report.

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 2021-12-27
Company: EQUIFAX, INC.
State: FL
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:
Please review my uploaded documents this complaint is for false reporting misleading information this is XXXX XXXX and no one else is filing this complaint for me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, in a social group I am apart of I made a purchase for 2 pairs of shoes. I sent the payment of {$550.00} through XXXX thinking I would have purchase protection like XXXX. 
When I sent money I was promised the tracking number the same day but did not receive it. At that point I called my bank Navy Federal and XXXX to cancel the transaction because it was not complete and still processing and I could not and the bank nor XXXX had a clue why it was not giving me the cancel option. 
Since the same recipient has messaged my personal phone as well as contacted me again on the social group stating how he/she was not a scammer and would send me either the money or shoes. He/she again disappeared and has not contacted me. My bank was not willing to help me file a dispute although telling me when I first tried to cancel the transaction that I could file a dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: Experian Information Solutions Inc.
State: TX
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:
Sent a dispute to Experian asking for physical evidence of accounts in my file that I have no knowledge of and they ask me for written documentation? HOW AND WHERE DO I GET DOCUMENTATION ON ACCOUNTS I HAVE NEVER SEEN? According to the FCRA, I am allowed to request this information and yet I am denied, asked for information that I need to pull out of thin air. They obviously are shirking their responsibilities and greeting paid by these creditors or just 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 2022-08-11
Company: National Enterprise Systems, Inc.
State: IL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a notice from NES OHIO on XXXX XX/XX/2022. This notice states NES of OHIO is a debt collector. The notice states it's a " debt I owe to XXXX XXXX XXXX XXXX  '' in the amount of {$14000.00}. 

I have never taken any loan in this amount with neither of the above agencies. This is more than likely a fraudulent account or someone sending a letter from a fake entity trying to get personal information from me. I contacted them twice in the week of 9 XX/XX/2022 trying to gain information regarding this. Once I spoke to an operator, they demanded that I provide my full social security number. I refused and that operator stated she will not help me further and abruptly disconnected the phone call while I was speaking. 
This very frustrating and taxing to deal with please assist immediately

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 2021-05-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am an XXXX XXXX victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the XXXX, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: WELLS FARGO & COMPANY
State: RI
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:
XXXX XXXX XXXX XXXX Wells Fargo auto finance XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY

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 2023-01-06
Company: EQUIFAX, INC.
State: MD
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:
Notice to Agent Notice to Principal ALL CONTRACTS ARE VOID! This is the truth and nothing but the truth. If it is not THE GREAT LAW, I XXXX XXXX XXXX the living SOUL, Will not take part or honor any law that governs the jurisdiction of an illegal fiction. I will not converse in any law that is not The Great Law. Meaning adhesion contracts are hereby NOW void because they werecohesion by deception, This is Written Notice to cancel, settle, discharge, delete, destroy, burn, eliminate disappear, get rid of all illegal fiction contracts. The United States government and the XXXX has been deceiving XXXX XXXX XXXX by promoting adhesion contracts, coercive laws, deceptive laws written under the pretax of our government, but its been fraud the whole time.Notice to agent is Notice to principal.I have a bandit all contracts due to the fact I have been deceive through legalese, and I have been trapped in the deception since XXXXMy birthright and blood rights has been taking away without my consent.This is Public Notice to ALL coming from XXXX XXXX and The Great Law of The REAL Americas ALL CONTRACTS ARE HEREBY VOID DUE TO NON-PERFORMANCE BY THE GOVERNMENT AND THERE CORPORATIONS! This is a Cease and Desist to all parties involved with trying to Contract without any lawful jurisdiction to my illegal fiction. Any corporation using any form of UNIFORM COMMERCIAL CODE or Maintaining a database of any information containing the name XXXX XXXX XXXX date of birth XXXX, Social security number XXXX is FIRED. Attached are copies of my identification and The American Declaration on The Rights of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Experian Information Solutions Inc.
State: IN
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: Problem with personal statement of dispute

Complaint:
I disputed XXXX XXXX XXXX Acct # XXXX on XX/XX/2020by sending them a Debt Validation letter. They never responded. On XXXX I also sent Experian an letter to Verify the XXXX XXXX XXXX account. XXXX XXXX XXXX verified with Experian but not with me. XXXX did not post on my credit report that I had disputed the account. Experian should not have been able to verify an account that I was disputing with the creditor. I sent another letter to Experian on XXXX asking for verification of account and said XXXX had removed the account. I sent a letter on XXXX to Experian stating that the Date of Last active with Experian and XXXX XXXX were not the same. Keep in mind I still have not heard from XXXX XXXX XXXX yet for verification of debt. OnXX/XX/2020 I sent Experian a letter stating that the Date of Last active was not correct, The date account was opened was not correct and the comments were not correct. This was based off what XXXX XXXX and Experian were posting. On XXXX I filed a complaint against Experian with the Attorney General of Indiana for not following the FCRA in handling my complaints. On XXXX I sent certified XXXX XXXX XXXX a Debt Validation Letter. No response so far and they have not contacted Experian that I am disputing them. my Credit report does not reflect it either. Also Experian contacted XXXX XXXX XXXX once again during this Dispute and XXXX Verified the debt knowing I was disputing the debt. They reported the debt as valid to Experian and Experian posted onXX/XX/2020that XXXX XXXX XXXX Certified that the information was accurate. I still have not heard from XXXX XXXX XXXX about my dispute letters at all.

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 2023-10-27
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
This car was purchased at the end of the lease. Payments were confirmed received, but the company continued to ask for more payments, which they were unable to explain. Finally resolved payment issues on the company side and received a letter on XX/XX/2023 stating " ... that your liability under the above referenced lease is considered 'satisfied in full '. '' On XX/XX/2023 when speaking to a customer service manager of Kia Finance, I was told the account would be closed within a week and I would receive the title. The title was received and dated XX/XX/2023, but the account was never closed. A letter was then received from a different location of Kia Finance in XXXX XXXX XXXX, California stating that the lease is expired and that I have defaulted. Customer service continues to escalate internally, but there has been no resolution on why they are not able to close the account internally, even though the title has already been received and the letter confirming my obligations are satisfied was sent over 2 weeks ago. The last letter received stated that " this is an attempt to collect a debt '' which implies this will be an issue on my credit as a result of Kia Finance 's internal disorganization.

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 2021-12-27
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: Personal information incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/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 2021-12-27
Company: Early Warning Services, LLC
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Unfortuntly due to a hack we were trying to purcahse a puppy by a person we thought was the original person and we were scammed by sending a XXXX doposit. 
I havr contacted zelle about the hackers and have not had no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: HW Holding, Inc
State: HI
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:
XXXX has the following information on my credit report and it is not correct : Shows an address of : XXXX XXXX XXXX XXXX   TX XXXX have never lived in TX XXXX XXXX XXXX XXXX  TX XXXX have never lived in TX Shows a collection account from : Hunter Warfeild, Inc.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XXXX XXXX XXXX  

This does not belong to me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OR XXXX This account was never late.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX  This account was never late Shows an inquiry from : XXXX XXXX. I did not authorize this. XXXX. I did not authorize this. XXXX. I did not authorize this.

XXXX. I did not authorize this.

XXXX XXXX XXXX. I did not authorize this. XXXX XXXX XXXX. I did not authorize this.

XXXX/Pre-Owned. I did not authorize this.

XXXX XXXX. I did not authorize this.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: GREAT LAKES
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Theft Incident : Federal Student Loan What is the name of the lender or loan servicer for the fraudulent loan? 
Great Lakes Name of an agency representative that you spoke to : Great Lakes Agency 's phone number : XXXX Agency 's email address : If you know, tell us when the account was opened. 
XX/XX/XXXX When did you first notice the problem? 
XX/XX/XXXX If you know, estimate the total fraudulent charges. 
XXXX Account number : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXXXXXX 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