BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-15
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:
This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 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 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 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 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 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 2019-10-09
Company: EQUIFAX, INC.
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 am requesting to remove XXXX XXXX account from my Equifax report. The reason is some body open that account instead of me and used it. I did not know about existence of this account. I did know about lateness also. Right know this account was closed by credit grantor. Please remove it as soon as you can because it is not mine and never belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-06
Company: Experian Information Solutions 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:
For XXXX XXXX XXXX I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

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 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my ANOTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$690.00} ; XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX )  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXdischarged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX  bankruptcy discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$4000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$970.00} ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2023-11-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have asked Bank of America to stop mailing me promo offers for 2 years and they WONT stop! 

I am starting to think im part of a sick joke. 

Why arnt you at CFPB doing anything? 

Are you fining BOA? 

It is a law they have to stop when i request them to stop and they have not. 

Is there a pending class action lawsuit i can get my name added too? 

Can i get BOA legal departments email? 

I have attached photos of OVER 50 promo offers... and sadly those are just the promos i have kept since requesting them to STOP!!

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 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-05-03
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15
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:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXXXXXX Balance : {$290.00}.

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 2023-09-19
Company: Data Mortgage Inc.
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I received notification that my mortgage had been transferred from Essex Mortgage to Essex Mortgage, occurring on XX/XX/23. On XX/XX/23 I received a notification letter via snail mail, stating that my home owners insurance, required by contract for my mortgage, had expired and failure to remedy this problem would result in Essex Mortgage purchasing a more expensive insurance plan in my name and sending me to their debt collections department to pay them back. I called my insurance company and was notified my insurance was still active. So I called Essex Mortgage where I was told that during the " transfer '', my insurance information was lost. I was then told that I had exactly 45 days from the time of the insurance policy being lost to fix the problem before I would be sent to the Essex Debt collections department. Now, to remind, I was not notified of the issue until 41 days into this 45 day window. I asked why I was not notified via phone or email, as I have been contacted by Essex Mortgage by both in the past, email at least twice a month. I did not get an acceptable answer to this question. I was more or less told that the documents were my problem to fix and that I needed to contact my insurance and have two years of my insurance information uploaded to a link provided by Essex Mortgage. So, on XX/XX/23 I submitted the insurance documents in question. When I called Essex Mortgage on XX/XX/23, I was told it could take 48 hours for the documents to be received and due to the time I submitted them, it was likely to not be received until as late as XX/XX/23 or 44 days into the 45 day window I was given to correct their mistake. When I asked if I would be notified once the documents were received or if there were any problems with the documents, I was told another letter would be sent to me via mail. The problem being, that letter could take another month or longer to arrive, as did the last one. When I requested an email or phone call, I was told that the only form of communication would be another letter in the mail. So, should there be any problems with the documents, regardless of method of communication, I would officially miss the 45 day deadline and be sent to debt collections. 
My only ask in all this was proper and timely communication on the part of Essex Mortgage. A request that was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Experian has blocked the last 28 years of my perfect credit history it is only showing in my file but not being reported at all, I have had over 15 credit cards but this report only let 's me see these accounts none of these accounts are being reported when my Experian is pulled but they keep emailing me asking me to pay a monthly fee and they will report everything This is fraud period I earned all the credit I have had over 28 years and I am demanding that these accounts start to show again this is a scam to get me to pay them monthly to report accurate info totally unexceptable!! 
My accounts are on Experian soon as I log in I just need to click to open them up they are being blocked from reports!!!

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 2023-07-13
Company: Williams & Fudge, Inc
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Three years after graduating, I get a call saying my private loan will go to collections. I never once received a call, email, letter, ect and I'm already paying off my other student loans. This whole time was during the student freeze so I'm feeling stressed about the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: NAVY FEDERAL CREDIT UNION
State: IL
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 this creditor has violated my rights under 15 USC 1681 section 6 to 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instruction under 15 USCS 1666b a creditor may not treat a payment on a credit report account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Navient recovery is using deceptive debt collection tactics to call. I received a weird deceptive phone call on XX/XX/XXXX. They used a third party routing company to call me at a business phone number trying to be deceptive. They need to immediately cease and desist any and all communications. Not sure what they are calling about and not sure why they call business numbers. Any alleged debt would be past the statute of limitations. The agent tried to ask me for my date of birth without identifying themselves deceptively.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
In early 2018, I was purchasing shirts at XXXX XXXX. I wanted to use my XXXX 's card, which I've had for many years, to access a discount. The saleslady looked at my XXXX XXXX card and said it was really beat up and old and I should get a new card. She said she could update my card *and* give me a bigger discount. I said sure. She handed the phone to me, someone asked me a couple of questions, and I got the bigger discount. 

Long story short, I only found out when I had a 'past due ' amount, that XXXX 's had actually opened an entire new account in my name. I evidentally had TWO XXXX 's accounts. One I didn't know about and thus hadn't paid. The other completely up to date. 

I complained to the XXXX. XXXX 's said they'd fix it. They did not. 

What they did made my credit rating plunge. I had *literally* perfect credit. After the XXXX  complaint, they shut down my old account, thus making my length of credit history plunge. This, plus their reporting of my account as delinquent, caused another plunge of 50 points on my credit report. 

This is fraud in it's purest form. I didn't ever want a new XXXX 's card. They secretively did this for some reason - do they get some kind of kickback from XXXX XXXX ( the company running the new card? )

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 2021-02-12
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I.C. System, INC has not only violated my right to privacy, but has also threatened to ruin my reputation by reporting the collection to national credit reporting agencies. They are not the original creditors and should not be threatening to report this collection on my credit 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 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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.

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 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 2023-09-19
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
US Auto Sales financed me a car that the value has been quadrupled the amount of the retail value of the vehicle and they agreed to transfer me into a cheaper vehicle, then the next week they went out of business, I have a XXXX XXXX XXXX that they are charging me almost {$24000.00} that is well over the XXXX XXXX price for the car, I would like a cheaper vehicle or a reduction in price of the vehicle, I have not missed a payment and have been a excellent customer, Westlake Portfolio has threatened me and told me that I have to pay that balance no matter what!!! I need someone to talk to about this because the vehicle is super tiny and I am being ripped off, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
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 am writing to file a formal complaint regarding a dispute I raised regarding an account on my credit report. Despite my efforts to rectify the issue, the account has been inaccurately verified by the reporting agency. I am seeking your assistance in rectifying this matter. 

Account Information : PORTFOLIO RECOV ASSOC XXXX XXXX Under the provisions of 15 USC 1681 a2 and 15 USC 1681 s2, it is my understanding that I have the right to request the information that the reporting agency received from the creditor in response to my dispute. However, when I requested this information from the reporting agency, they failed to provide it.

I firmly believe that the account in question has been incorrectly verified. I respectfully request that you conduct a thorough investigation into this dispute and take appropriate action to ensure the accuracy of my credit report.

I understand that it is within your authority to compel the reporting agency to provide the information they received from the creditor as part of their verification process. This information is crucial in demonstrating the accuracy or inaccuracy of the reported account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2023 I received my investigation back and you stated you completed a fair investigation and these accounts are 100 % accurate. 
But can you please answer this one question. How did you investigate these accounts? 
Because according to the fair credit reporting act 15 U.S. Code 1681a this is how you are supposed to investigative my consumer report Did you interview my neighbors?

Did you interview my friends?

Who did you talk to?

1 more thing can you please tell me how everything is 100 % accurate if the date open, date last active on these accounts are not reporting the same Information.

You have violated multiple laws below : 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i I demand you delete the accounts from my credit report, I listed below : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Delete!! these accounts immediately or you will be held responsible for {$1000.00} per violation Send me updated credit report with the accounts permanently deleted

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04
Company: Experian Information Solutions Inc.
State: TN
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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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