BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-11
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 XXXX # XXXX, XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX, XXXX # XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX ****XXXX  # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX XXXX XXXX # XXXX XXXX  XXXX, XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-25
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2021-10-06
Company: National Credit Systems,Inc.
State: SC
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:
Beginning Winter of XXXX after requesting my consumer report- I started a dispute THROUGH XXXX for National Credit Systems about INACCURATE information on my credit. This information was disputed through the other credit bureaus and was removed due to INACCURACIES and failure to provide proper proof from the creditor. I submitted written letters ( in which I have copies ) that have stated THIS IS NOT MY DEBT. XXXX claims to have done investigations ( which I counted to Dispute for almost a year ) ; this is false. I have requested for proof XXXX, XXXX, XXXX, XXXX Each month multiple times ( written form ). Just recently, XX/XX/XXXX, I came across an email for from the company in which I allegedly have a debt with ; with a EXTREME DIFFERENCE of what was reported which is still inaccurate. This LETTER IS FROM THE COMPANY AND READS FINAL BALANCE. I have done the work for XXXX. I submitted proof that could have been validated FROM THE EMAILS and signatures attached ( including contact info ). XXXX wont allow me to dispute this!!! They will not investigate and have not investigated. I provided documentation to support my argument and NATIONAL CREDIT SYSTEMS HAVE NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: A.R.M. Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I cancelled my subscription to the XXXX XXXX, but did not cancel my automatic subscription payment to the XXXX XXXX, in XXXX of 2022. The newspapers stopped getting delivered, no further charges were made to my XXXX XXXX account which I used to pay my XXXX  subscription, and I received no further communications from the XXXX XXXX so I paid no further attention to the matter. 
On XX/XX/XXXX I received the attached letter from A.R.M. Solutions. I initially thought that it was a scam because I had not been contacted by the XXXX XXXX since I cancelled my subscription. I have never before encountered a billing process that began with sending bills to a collection agency without first contacting the customer directly. It was further puzzling that they had not simply extracted the funds from my XXXX account : I had never shut off the " autopay '' and all they needed to do was to request payment directly from XXXX XXXX, as was done for years. 
I suspect that the change in management since the XXXX XXXX was sold has led to some confusion in their office. Although I did cancel my subscription, and I have received no newspapers in the intervening period, they told me via telephone that all they know was that I had instructed them to no longer charge my XXXX XXXX account for the subscription, which seems rather odd to me, as nothing of the sort was ever discussed. 
I have instructed the XXXX XXXX to charge my XXXX XXXX card for the balance they say I owe, and XXXX informs me that the payment is pending, A.R.M. Solutions insists that I must still pay them, in addition to what I have paid XXXX XXXX. I believe that I should pay neither, although I have already paid the XXXX XXXX for services not rendered. Paying A.R.M. Solutions redundantly would only add insult to injury.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
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 have reached out several times with attempts to get accounts on my credit that are not mine. I have reached out again to those companies and cant get anywhere. Some of the accounts did come off but there are some still remaining XXXX, XXXX, XXXX XXXX  XXXX, and XXXX XXXX. I really need some help this because Im doing this on my own behalf. I have already reached out to the FTC and filed a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: EQUIFAX, INC.
State: NC
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$550.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have requested over three times for the fraud alert to be removed from my credit report. I have also requested copies of my credit report FILES including all disclosures and consents.

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 2021-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

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 2021-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I recently did a observation of my own involving my consumer report and I found inaccurate, unverifiable, unauthorized and questionable items on my consumer report.Each credit reporting agency must make sure they are reporting 100 % accurate by law.XXXX, transunion, and XXXX are in violation of my consumer rights as they have inaccurate, unverifiable, and unauthorized items on my consumer report as they have items that on my report that dont match up with the other bureaus consumer reports of 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 explanation
Consumer complaint received 2021-10-06
Company: Experian Information Solutions Inc.
State: CA
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 paid a debt off that showed up on my credit report in XX/XX/2020. I did not make this debt, however it was paid off due to the numerous disputes and no change. I have a copy of the receipt yet, it was never reflected on my credit report as paid. The initial company was XXXXXXXX XXXX XXXX XXXX XXXX XXXX The debt was bought by national credit adjusters. The debt was paid as noted on the receipt attached to this claim. It needs to be reflected on my credit reports on all three bureaus. Its been almost a year since I paid and no change. Its been disputed several times and when it comes back from the credit bureau it does not reflect paid. The credit Bureaus refused to change, despite me providing proof of payment. This needs to be fixed ASAP, I have spent so much money disputing this when it should have been fixed a year ago.

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 2023-06-09
Company: ACIMA CREDIT, LLC
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:
Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, ACIMA DIGITAL FKA SIMP used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. ACIMA DIGITAL FKA SIMP reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
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: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Attempted to dispute my debt to all three credit bureaus. I received no debt validation of response. I sent letters certified on dates XX/XX/2021 and XX/XX/2021. I also filed a non compliant notice on XX/XX/2021. and no received no response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: Collection Bureau of the Hudson Valley, Inc.
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I decided to look at my credit reports from the 3 major credit bureaus and found that this CLLCN BUREAU OF THE HU ( Original Creditor : XXXX XXXX XXXX XXXX ) was reporting to be negative on XXXX Credit Bureau. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I am writing this in response to a recent communication received from Capital One, dated XX/XX/XXXX, which claims that I owe a debt to them that has allegedly been sold to XXXX XXXX XXXX. I dispute the validity of this debt and assert my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I have been consistently making payments towards the alleged debt, as per my records and bank statements, directly to XXXX XXXX XXXX, pursuant to a payment arrangement established on XX/XX/XXXX. This arrangement was made with XXXX XXXX XXXX, and I have diligently upheld my payment obligations in good faith. 

Per the FDCPA, Section 809 ( b ), I request that you provide me with a written validation of this alleged debt. This validation should include the amount claimed, the name of the original creditor, and any relevant documentation that supports your claim. Until such validation is provided, I request that all collection activities, including reporting this debt to credit bureaus, be immediately halted. 

Furthermore, I also demand that the entry of this debt on my credit report be removed in compliance with the FCRA, Section 623 ( a ) ( 1 ) ( B ). As per this section, information that has been reported inaccurately or can not be verified must be removed from the credit report. Since Capital One claims that I owe the debt to them, it indicates an inconsistency in the reporting and raises questions about the accuracy of the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: EQUIFAX, INC.
State: SC
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 recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the aguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
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:
n accordance with the Fair Credit Reporting act XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Bread Financial Holdings, Inc.
State: CO
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:
XXXX XXXX open a credit card I felt the promotion was just good enough. I used the card for 4 months which my auto pay payed my balance in full because I have spent the last five years doing everything to make improveme my credit score which was went fron XXXX to XXXX two months ago the credit bureau sent me an alert the the dropped my credit score by XXXX points. I couldnt even understand how that could happen. I learn that this credit card which I used for about 4 months was charging me interest and finance fee when I had a XXXX balance. They reported me to the credit agency for interest when I had no balance for $ {$2.00}. So dig further if they illegally charged me fees why didnt my auto pay it. I have spent 2 weeks being transferred hung up on and no one can give me an answer. So i contact the head of finance if ceasers place meanwhile one of the 20 people I spoke to had credited my account for all past fees. Right there theyre admitting fault. But as I go deeper with this head of finance ask him why I never received my promotional points he tell me that were never linked to my credit card. I say impossible Im looking at my card they are engraved under the account number. Then I ask him why the phone number printed on the back of card linked to the bank that issued this card did this to me he says thats not our bank I told him I just recieved a new card yesterday and still says that thats there bank. I tell as a consumer we have the right to know these thing. That fact that your sending me a card that has a bank listed on it. And my rewards number on it and ruin my credit because you iilleag

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Paid my credit card within 30 days and XXXX reported it late. This is the second time they have had a system issue that failed to credit payment on time when paid. It is showing late but was not 30 days late on my credit I have proof

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 2019-09-18
Company: Complete Credit Solutions, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
These debt are not mine. They seem like they maybe payday loan and I have never take a payday loan. They will not mail me any information and all this was via phone calls. 

Complete Credit Solutions 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 2023-08-18
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NV
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I returned a XXXX XXXX XXXX to Nissan of XXXX XXXX on XX/XX/XXXX and upgraded to a XXXX XXXX XXXX. Attached are the documents showing the vehicle was returned and a Due Bill was signed by the dealership indicating they are paying Nissan Corp {$4000.00} to payoff the rest of my lease. 

After several months of waiting for this to updated on my CBR 's, I contacted the GM at said dealership and he gave me the run around and excuses about sending the wrong checks on old accounts and eventually the dealership failed to pay off the vehicle and apparently filed bankruptcy. This dealership committed loan fraud by taking my money for a new vehicle in a finance agreement and subsequently not paying off the vehicle. This is a crime, clearly. 

I began receiving collection notices from 3p agencies on behalf of Nissan Corp and was luckily able to prove this debt was paid off to the dealership to avoid alternative collection methods. I have contacted Nissan many times over the years and they have essentially refused to rectify this. It may not be their fault the dealership committed fraud but they authorized that dealership to conduct business on behalf of themselves accepting the risk of what could happen. 

This account in question is being reported on my Credit Bureaus as owing over {$4000.00} and is causing me harm to my DTI and for loan approvals. This needs to be completely updated to paid in full backdated to XX/XX/XXXX. 

VIN in question is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: EQUIFAX, INC.
State: SC
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:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation