BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-19
Company: World Acceptance Corporation
State: NM
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:
Company rode off closed my account without my consent without my acknowledgment. Without my agreement, no contact informing me of the actions taking part on my account. 
I didn't consent nor did I receive any articles of notification. No a phone call letter in the mail. When contacting them they said by law they don't need my permission to sell my account to a Third party And when I asked for information about it. They said the account was closed. And they can't give me any more information. Due to the fact that the account was close. WORLD FINANCE CORPORATIO I have disputed this many times with all three credit Bureaus. On one instance I had gotten I had made it dispute to have 1 of the negative items removed from my credit report because of the fact it was written off and closed without my consent written agreement. Or did I approve it? They then took it off of my report and 3 days later. They put it back on my report. I have to call them and get upset with them. I don't understand why they took that credit report off. Which is exactly the same in the matter that they both were written off and without my consent. Why is one of them taking off and not the other? That doesn't make sense when they're both written off and closed. They both should have been taken off due to the fact that if they sold my account, that means they forged my signature and that is against the law. Without me, approving or knowing about it without even informing me. Now one of them was deleted. 
But the other one, they're keeping on my record 7 years " Now this is causing me great deal of harm to my well-being to my financial structure ''. As far as continue to live a prosperous life with the accessTo my credit. In fact, these companies falsified official documents selling my account Without any permissions or signatures by me. Without even my acknowledgment of the fact they were doing suggestions even on occasions. I looked at my credit report. I would have really appreciate me being treated With the rights that I am entitled to Having this deleted off my credit report .Because of the fact that it is against the policy and the Procedures of the consumer Protection act.

Like I said this is causing me great " Harm '' and disrupting my " well-being '' and " way of life '' to be " disruptive Immensely. '' I need this matter resolved immediately or as soon as possible.! I appreciate all you do and all your efforts. And the knowledge that you guys share for the consumers. Sincerely a consumer of the United States of America. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: All State Credit Bureau, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Subject : Cease and Desist Communication and Unauthorized Use of Personal Information Dear Sir/Madam, I am writing to address a matter of utmost importance concerning the unauthorized use of my personal information by Allstate Credit Bureau . This letter serves as a formal notice to immediately cease all communication and any further use of my information, unless you are willing to engage in discussions to rectify the violations committed and provide appropriate compensation. 

It has come to my attention that Allstate Credit Bureau has been accessing and using my personal information without my consent or authorization. I hereby demand that you immediately cease all communication and refrain from any further use or dissemination of my personal information, as it is a clear violation of my privacy rights. 

Furthermore, I would like to bring to your attention that the business name " Allstate Credit Bureau '' is misleading and potentially in violation of the law. The only recognized credit bureau authorized to assemble and evaluate consumer credit and other information is the Consumer Protection Bureau. Referring to yourselves as a credit bureau implies a level of authority and credibility that you do not possess, which is deceptive and misleading. 

I insist that you immediately cease using the name " Allstate Credit Bureau '' and refrain from presenting yourselves as a credit bureau. This misrepresentation of your business name is not only misleading but also against the law. 

I hereby request that Allstate Credit Bureau take the following actions : Cease all communication and any further use of my personal information immediately. 
Provide written confirmation of compliance with this cease and desist request within 10 days of receipt of this letter. 
Engage in discussions regarding the violations committed and provide appropriate compensation for the unauthorized use of my personal information. 
Please note that failure to comply with this cease and desist request will result in further legal action to protect my rights and seek appropriate remedies. 

I anticipate your prompt attention to this matter. Any future communication from Allstate Credit Bureau should be in writing and strictly limited to the resolution of this issue. 

Thank you for your immediate action in this regard.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VI
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: Investigation took more than 30 days

Complaint:
On XX/XX/2023 I submitted a dispute to transunion about three accounts on my credit report which was in accurate. XXXX, XXXX XXXX personal loan and XXXX XXXX 
I asked to verify that XXXX and XXXX XXXX are not my accounts and provide me with documentation. Transunion has not verified the accounts nor sent me the results.

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 2023-09-16
Company: EQUIFAX, INC.
State: VA
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:
Yes, I provided the company with All the correct information they ask for.. However, after giving the company my information I was informed that they didn't have any thing about me in there files... so my question is why is it on my Credit report ...???? 
The following company 's name are XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX These are company 's that are giving false information because I applied for anything or know anything thing about these companies

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: Bread Financial Holdings, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Re : CFPB Complaint # XXXX I previously lodged the above complaint with CFPB relating to Comenity Bank 's failure to fully close my BJ 's credit card. This morning, I tried to add the latest chapter in this painful saga to my online CFPB complaint history. I was absolutely astounded to find that CFPB marked my complaint as " CLOSED, '' which should mean that the issue was resolved to my satisfaction. I find it impossible to believe that anyone at CFPB actually read my responses to its questionnaire. If they had, it would have been very clear that there were still lingering issues : 1. Comenity sent me yet another email ( received on XX/XX/2022 ) announcing that my account statement was available for viewing. If the account had been fully closed, there would be no need to email that announcement to me 2. I'm still able to call Comenity Bank ( XXXX ) and hear a recording stating that my full credit limit is available. 

3. I also received a ridiculous letter from Comenity Bank dated XX/XX/2022. It mentioned that they issued a temporary credit to my account, despite other correspondence confirming that the corresponding prior dispute had been resolved more than a year ago. 

WHAT WILL IT TAKE TO GET COMENITY TO COMPLETELY SHUT DOWN THIS ACCOUNT??? 

CFPB must either reopen my original complaint or establish a new one with a new number and follow through on its consumer protection role.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29
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 fraud alerts or security freezes

Complaint:
I can't apply for ANYTHING, every letter I get says " unable to verify your identity ''. 

I never asked for a security freeze so I don't know why the credit reporting agencies won't give anyone my information. 

My life is basically on hold, this is unfair. I have great credit but no way to take advantage of it.

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 2023-09-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Closed with explanation
Consumer complaint received 2023-06-27
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Closed with non-monetary relief
Consumer complaint received 2019-06-29
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 fraud alerts or security freezes

Complaint:
I can't apply for ANYTHING, every letter I get says " unable to verify your identity ''. 

I never asked for a security freeze so I don't know why the credit reporting agencies won't give anyone my information. 

My life is basically on hold, this is unfair. I have great credit but no way to take advantage of it.

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 2023-10-16
Company: EQUIFAX, 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:
hello i am reporting that XXXX, equifax, and XXXX XXXX are all reporting my educational records on my credit report ... according to The Family Educational Rights and Privact Act ( FERPA ) states that you can not add any of my educational records to my credit report without my permission... i submitted a dispute through all three and they ignored it so i want to hold them accountable financially. the law states that each violation on my credit report is up to a {$1000.00} fine and i want this imposed on all three credit agencies for ignoring my first dispute for this exact reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Dear CAPITAL ONE AUTO FINANCE I, the consumer and natural person, was denied credit by XXXX XXXX  when I applied for a Auto Loan. 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 CAPITAL ONE AUTO FINANCE due to the response I received. CAPITAL ONE AUTO FINANCE 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 CAPITAL ONE AUTO FINANCE. If CAPITAL ONE AUTO FINANCE fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make CAPITAL ONE AUTO FINANCE criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 16810. I will also follow up with an invoice for said violations ( {$10000.00} } per violation ). Thank you. XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: MD
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX Balance : {$4600.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, AP XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX  XXXX, NC XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, AP XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-11
Company: Southern Management Systems 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: Their investigation did not fix an error on your report

Complaint:
I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account Southern Management Systems I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
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:
XXXX  and Transunion are reporting incorrectly that I am 90 days past due on XXXX XXXX  - partial account number XXXX. ( Please see page XXXX of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
please remove these inquiries from my credit report. The inquiries is following 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 2022-09-15
Company: Experian Information Solutions Inc.
State: MS
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 following accounts are violating my consumer rights. I recently looked at my credit report and found multiple inaccuracies and violations. 

XXXX. XXXX - ACCOUNT # XXXX has violated my rights XXXX. XXXX XXXX  - ACCOUNT # XXXX has violated my rights XXXX. US DEPT ED - ACCOUNT # XXXX has violated my rights XXXX. XXXX XXXX - ACCOUNT # XXXX has violated my rights XXXX. XXXX XXXX - ACCOUNT # XXXX has violated my rights XXXX. XXXX XXXX - ACCOUNT # XXXX has violated my rights XXXX. BANKRUPTCY - REFERENCE # XXXX has violated my rights XXXX. XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights XXXX. XXXX - ACCOUNT # XXXX has violated my rights XXXX. XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights XXXX. XXXX XXXX  - ACCOUNT # XXXX has violated my rights XXXX. XXXXXXXX XXXX XXXX - ACCOUNT # XXXX has violated my rights XXXX. XXXX XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights XXXX. XXXX XXXX XXXX  - ACCOUNT # 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 : States a consumer reporting agency can not furnish an account without my written instructions 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 non-monetary relief
Consumer complaint received 2021-03-12
Company: Experian Information Solutions Inc.
State: MA
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 disputed the 2 accounts listed on my credit report which were " verified by the credit bureaus. 

Both accounts are with XXXX XXXX. 

Both accounts are reporting as charge off and reporting a past due balance/balance of the following : one account {$2000.00} and {$950.00} Letter of validation was sent to XXXX XXXX. Although they responded, they failed respond to the actual request for validation. They only verified the account listed. 


Per my request " Your failure to satisfy this request within the requirements stated in the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees. 

A credit diclosure statment was requested to be filled out and returned. Failure to return would result in the following : Upon failure or refusal of collector to validate this collection action, collector agrees to waive all claims against the debtor named herein and pay debtor for all costs and attorney fees involved in defending this collection action. 

Original request is attached as well as their response.

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 2021-06-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello! I am disputing a Capital One credit card debt that is on my credit report and that does not belong to me. I was underage at the time of this activity and had no previous knowledge of this. On XX/XX/2021. I disputed the information with all 3 companies of the credit bureau. XXXX, XXXX, and XXXX. Only one company XXXX  has resolved this item all other companies are still reporting inaccurately and is still on my credit report. I sent a copy of my birthdate by current ID. That proves I was well underage at this time. XXXX  sent notice back on XX/XX/2021 stating the account was accurate without any proof of accuracies. On XX/XX/2021 I filed a second dispute to verify with proof of identity with correct date of birth and etc. I have not heard anything back again. I am a entering college and my credit is very important to me. All i am getting is updates to my report stating the account is accurate when in-fact it is not. I feel as though i'm being defrauded and I have been taking all necessary steps to get this cleared up including filing a Fraud alert with the FTC and freezing all my personal info. Please help me.

Company response to consumer: Closed with explanation