BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I keep freezing my Experian Credit File. Requesting that it only be lifted with the account password mailed ( USPS ) to my house. Experian keeps lifting the freeze to someone through the online website. It has happened 8 or 9 times. As soon as Experian lifts the freeze someone tries to open credit in my name. I have complained multiple times. Experian does nothing about it. It happened yet again today, XX/XX/2023.

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 2023-12-18
Company: Experian Information Solutions 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 asked Experian to remove the fraud alert from my credit report. They gave me confirmation that it was removed. But that was a lie, it was never removed ; in fact, they added XXXX on the XXXX of XXXX without my consent. They also removed my address from my file back in XXXX  without my consent. I need this fraud alert removed from my account now so i can get accepted for an apartment. They've been constantly trying to get me approved but Experian keeps slowing down the process by not removing this alert. I need it gone! I don't have time to mail documents! I even uploaded information on their site, but they said they never received it, but I sent it last week. I need them to stop making changes to my account without my verbal expressed consent or written signed documentation from me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
On XX/XX/XXXX, Consumer furnished her signature on a credit application ( security ) with American Express Company ( financial institution ), which was given value by ones signature. 

Upon receipt of the security, the financial institution made an application to their local Federal Reserve agent. Financial institution made such application accompanied with a tender, Consumers security, of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application. 

The financial institution failed to distribute the Federal Reserve notes it applied for and was issued to Consumer and DENIED Consumer an extension of their credit. Pursuant to federal law, banks can not lend their credit or customer deposits. 

Upon request, the financial institution failed to return security as it had already been sold in a public offering on the global financial markets. 

The financial institution 1 ) is in violation of the provisions of their Trust Indenture on file with the Securities and Exchange Commission ; 2 ) is in violation of the Trust Indenture Act ( TIA ), which prohibits any person from selling a note, bond or debenture in a public offering unless it has been issued under an indenture and is qualified for TIA and specifically mandates that the right of a bondholder to receive payment on such security can not be impaired without the bondholders consent. The financial institution has impaired bondholders right to receive payment on the security ; 3 ) is subject to a claim of a property or possessory right in the instrument or its proceeds, including a claim to rescind a negotiation and to recover the instrument or its proceeds, pursuant to XXXX XXXX, and XXXX ) is involved in racketeering activity, pursuant to XXXX8 USC 1961 ( 1 ), including but not limited to counterfeiting, extortionate credit transactions, financial institution fraud. Consumer has been injured by the financial institutions wrongful activity and XXXX allows for Consumer to recover treble damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
USAA disabled my account access on or before XXXX. I called the company approximately 5 times to restore access. The first time, they told me to upload an identity document to the website to restore acces, which I did. The website malfunctioned and told me there was an error despite the identity document being exactly what was requested. The representative told me to mail a letter to USAA requesting access, which I did. 

In the next conversation, USAA reset my password and told me I had access to my account. When I tried to access my account on the phone and failed -- I received an error message saying I did not have a valid email address or phone number in the system -- the customer service representative told me to wait a while and try again. I did, and it failed every time. 

When I called back, the representative told me I did, in fact, have a valid phone number in the system. The phone was then disconnected ; I believe he hung up on me. 

In the next conversation, the representative told me that my account had, in fact, been disabled due to possible fraudulent activity and that USAA had not yet begun an investigation. I was told they would complete the investigation in 24 hours and contact me with the results of the investigation. I did not receive notification of the results. When I called back, I was told the office that deals with these issues is closed and to call back yet again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 BEE THE VICTIM OF IDENTITY THEFT THE ACCOUNTS ARE 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

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 2024-01-20
Company: Elite Recovery Group LLC
State: OR
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I noticed I had a negative mark on my XXXX XXXX from debt XXXX Elite Recovery Group LLC for a past due balance. I have never received any notice that any account of mine was going into collections. And I never received any communication from Elite Recovery Group LLC regarding any account of mine. The entry of my credit report was dated XX/XX/year>, so it's been nearly XXXX XXXX  and I have never received anything from Elite Recovery Group LLC.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: FL
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:
This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: In progress
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: TX
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, XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602A. 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.

Company response to consumer: In progress
Consumer complaint received 2023-12-18
Company: Ability Recovery Services, LLC
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Recently, I noticed that there was a collection account on my credit report. I reached out to the company and asked for a validation of the debt. I received the letter, however, the letter comes from Ability Recovery Services LLC but the current creditor is showing as XXXX XXXX XXXX, XXXX. This seems very scammy. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 

Additionally, I am allowed under HIPAA ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX to release my medical information to a third party. I am aware that the HIPPA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization, therefore my request is XXXX folded and as follows : Validation of Debt and HIPAA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by 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 2023-12-18
Company: Resurgent Capital Services L.P.
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I believe the account is invalid. LVNV FUNDING ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be remove from my credit & their records. LVNV FUNDING ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: Experian Information Solutions Inc.
State: NJ
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 XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2023-12-18
Company: GULF COAST COLLECTION BUREAU, INC.
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
sends one piece of mail, website was a dead end, so i couldnt dispute. i dispute through other orginizations and wouldnt go through.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: Self Financial Inc.
State: OH
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: Was not notified of investigation status or results

Complaint:
XX/XX/ 2023 asked why wasnt I notified never opened 3 accounts with company representative assured me nothing was reported and that was not true

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: TX
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:
This is the XXXX time I have reached out about these inquries I also went on experian website and uploaded my report stating these inquiries need to be removed and XXXX months it still isnt corrected

Company response to consumer: In progress
Consumer complaint received 2023-12-14
Company: Yamaha Motor Finance Corporation USA
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have contacted Yamaha Motor Finance too many times to count now! I have even wrote a letter via USPS and they have verified they received it, but still no response. Im really getting aggravated at not only their lack of customer service or knowledge, but Im now even more upset in regards to my credit dropping YET AGAIN when I just paid the $ 252 monthly bill ON TIME. My YAMAHA account says current, but in the last several days my score has dropped XXXX points because THEY are reporting me 30 days late/ delinquent.. this has to stop immediately. 
I have explained my situation repeatedly to these people and they still come to us to backtrack and do the complete opposite of what they say they will do..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
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: Credit inquiries on your report that you don't recognize

Complaint:
did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Under 15 U.S.C. 1681i ( 7 ) Method of verification these Inquiries are in violation and should not be on my credit report. 
The Inquiries are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: In progress
Consumer complaint received 2023-12-14
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I, XXXX XXXX, the consumer and natural person, was denied credit by HOME DEPOT INC. when I applied for a Pro X Credit Card. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by HOME DEPOT INC. due to the response I received. HOME DEPOT INC. is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued. 
Furthermore, because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of HOME DEPOT INC. 
If HOME DEPOT INC. fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make HOME DEPOT INC. criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. I will also follow up with an invoice for said violations ( { {$10000.00} } per violation ).

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 2022-11-03
Company: EQUIFAX, INC.
State: IL
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:
Over the last 1.5 years I have sent multiple certified letters to XXXX, Equifax, and XXXX requesting that they validate the inaccurate derogatory accounts on my account. However, every time the credit bureaus responded the accounts were validated, but the information listed on my credit report is inaccurate. This has caused me a great deal of stress and money. 

According to the Fair Credit Reporting Act ( FCRA ), If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: EQUIFAX, INC.
State: MD
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:
Dear CFPB please find attached with this complaint copies of the results of the investigations that Equifax and XXXX  initiated into this medical account after i had inquired that they provide me with process of ensuring accuracy. As you will notice on the copies from XXXX  the above named account has been deleted because XXXX  conducted a proper investigation and has determined that this account is reporting inaccurately. Equifax on the other hand has not investigated the account but sent me a response back lying they did and the account has been verified as been accurate. Equifax responded back to me the same day they received my mail. this account is inaccurate and must be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: TX
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 


Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 


A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply.

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 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
The company has been provided with an official student loan deferment document that was signed by a school administrator. The company refuses to cooperate with federal laws that govern credit reporting. 

I would like to reference these credit laws/act that protect consumers against negative reporting by bureaus and creditors. 

The Fair Credit Reporting Act ( FCRA ) - The FCRA requires that credit reporting agencies maintain accurate and complete credit reports for consumers. If you believe that the late payments on your federal student loans account are being reported inaccurately, you can dispute the information with the credit reporting agencies under the FCRA. 

The Higher Education Act - The Higher Education Act includes provisions related to the reporting of student loans to credit reporting agencies. Specifically, the Act requires that credit reporting agencies remove any negative credit reporting related to a defaulted federal student loan if the borrower enters into a rehabilitation agreement and makes nine on-time payments in a ten-month period. 

The Department of Education XXXXs Credit Reporting Guidance - The Department of Education provides guidance to loan servicers regarding the reporting of federal student loans to credit reporting agencies. This guidance includes information about how late payments should be reported and may provide grounds for disputing any inaccurate information on your 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 non-monetary relief