BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Experian is denying me access to credit report. They have denied me through multiple websites. I have not been able to access my credit report or score since last year.

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 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I want this information to be completely removed from my credit report, it does not belong to me. 


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 2022-12-29
Company: CAVALRY INVESTMENTS, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Cavalry SPV I , LLC ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This creditor is in violation of laws :15 usc 1692b ( 2 ), 15 usc 1692c ( a ), 15 usc 1692d ( 2 ) ,15 usc 1692g ( a ) ,15 usc 1666d ,15 U.S. Code 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: EQUIFAX, 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:
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. 
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 : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

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. 
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 : 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 2023-04-15
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Attach to this message is a screenshot of the amount That this collection Agency states that I owe. All of the information on the screenshot listed is incorrect. They have reached out to my employer have threatened to Sue me to try and collect this Incorrect debt which I have no recollection of or have any signatures Or consent tied to this. This collection has just been going up on my XXXX XXXX Almost every month it seems. Starting at XXXX XXXX, XXXX, to now up XXXXthe debt just increasingly goes up every time slightly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
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:
The FCRA requires you to verify the validity of the item within 30 days. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. I am NOT requesting the itemized bill, I am requesting an instrument bearing my signature. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. By law, if you have charged off a debt, the consumer no longer owe it. You have accused me of owing this debt yet you have had personal gain by writing it off. You continue to report a balance to the bureaus which is inaccurate. In fact, I have no personal gain from this alleged account since it is reporting as closed. You have no right to continue to damage my credit over an alleged debt that you have received gain from the government. XXXX XXXX, XXXX  XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2021-08-04
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This credit reporting agency is harming me and limiting my ability to advance to a better position in life by reporting false, misleading, and inaccurate information about me. They are reporting that I owe a debt to CCS Collections in the amount of {$52.00}. This collector or creditor did not provide HIPAA release to be able to collect on this debt. I am proceeding with legal action should this item not be deleted within the required time by law. This agency along with the debt collector have violated my right to privacy as well as broken the law in regards to sharing medical information. I reached out to this agency asked them to correct this erroneous information, but they refused and lied that this information has been verified. They did not provide me with any information on how they verified this false information. Plus, they can not verify something that is flat out against the law. 

Please assist me in this matter as this alleged debt and gross violation of several laws are gravely impacting my life. 

Thank you in advance!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: Porania, LLC
State: NJ
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 these accounts that are not mine and i want them to be removed from my credit. 



1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: WELLS FARGO & COMPANY
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/2023 I signed up for automatic payment on my XXXX XXXX credit card. I received an email confirmation from Wells Fargo that this automatic payment will take effect firstly on XX/XX/2023. 

On XX/XX/2023 I checked my account and realized that this antomatic payment did not happen, so I made a manual payment which was received by Wells Fargo on XX/XX/2023. The due date for this payment is XX/XX/2023. 

On XX/XX/2023 Wells Fargo posted an interest charge of {$120.00} on my account. I contacted the bank the same day, and the customer service representative was able to waive {$50.00} of the interest charge. She also informed me that she can not waive the rest of the charge at the time, and created a customer complaint case for me on the same day. 

On XX/XX/2023 Wells Fargo replied to me regarding the case, saying " we are unable to waive any more than this [ {$50.00} ] on the account ''.

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 monetary relief
Consumer complaint received 2022-12-29
Company: SANTANDER HOLDINGS USA, INC.
State: WV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Both of my vehicles were up for repossession  due to losing work/being put off work due to covid. I spoke with the company multiple times trying to get arrangements made since my husband and I were both out of work due to contracting covid multiple times. We were able to get help in XX/XX/2022 with getting a personal loan to pay everything that needed to be paid to keep the vehicles. Within a couple of months after giving the company just under {$7000.00} to keep the vehicles from being repossessed, the company started coming at us again trying to repossess the vehicles. I have made multiple attempts to make payments with the company for both vehicles. Every time I make a payment with them now, my accounts get disabled. I have to fight to get the accounts activated again just to make payments. I have not been able to make any payments since XXXX. Which was my last payments on both vehicles. I have tried calling every week to try to get my accounts activated again to make a payment on both vehicles. This has happened with every payment I have made in the last year. And now my vehicles are up for repossession once again and they refuse to work with us even though it is not our fault we are having these issues. My husband spoke with the company today ( XX/XX/2022 ) and is able to make a payment through an account just for the truck. I am still unable to get my account unlocked to make a payment for the other vehicle. They also stated that even though we make a payment to cover almost 3 months they will not take the one out of repossession. They are trying to make us pay almost {$10000.00} for both vehicles to keep them out of repossession. {$5400.00} for the truck and roughly {$3000.00} or so on the other vehicle. I do have the days, times, etc wrote down in my calendar/planner of all the calls and attempts for payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 act XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a 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 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 2022-09-10
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Experian has illegal reinserted debt that was disputed as fraudulent not belonging to the consumer. XXXX violated the FCRA by refusing to notify the consumer prior to reinserting disputed debt. I disputed an XXXX account as fraudulent not belonging to the consumer several complaints were filed with CFPB in regards to this XXXX account is was removed from the credit report. XXXX apparently sold the disputed debt to XXXX XXXX  with full knowledge this debt was disputed as fraudulent not belonging to consumer then Experian reinserted the dispute debt on the consumers credit report. I contacted XXXX bank on numerous occasions and asked for verification of said debt and request line item account of how this debt was calculated and proof goods or service were obtained by consumer. XXXX Bank has refused to provide receipts and proof of purchase showing consumer obtained said goods and services and refused to verify how this debt was accumulated in direct violation of the FCRA. I want CFPB to investigate this practice of selling fraudulent debt after the consumer disputed and it was remove from said report and Experian illegal practice of reinserting disputed debt in direct volition of the FCRA. I also want XXXX Bank investigated for refusing to provide the consumer with proof said debt belongs to consumer and a line item calculation showing how this amount was calculated. I want the CFPB to enact or enforce laws that prevent creditor and credit bureaus from this abusive practice of refusing to show consumer receipts and proof of purchases and re-selling of fraudulent debt that was disputed and removed from the consumer credit 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 2023-02-17
Company: OPORTUN FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX ; drops my credit all the time, but he always offers me loans and credit cards ; XXXX recommended paying the loans and opening a XXXX balance complaint ; but they destroy my credit it's lower than ever, and I've never been late on payments or filed for bankruptcy, they said my credit is low because I have personal loans, there were only XXXX, and XXXX credit card, a very small amount, I paid those loans with effort more than 30 days ago ; Now they say that my credit has gone down more because I closed the accounts, I did not close the accounts, I reported XXXX balances, they told me to do it, that's how I do it, I request to update ; my credit I have XXXX open credit card and XXXX store credit card because I don't need more for now ; all the payments I made was because I am refinancing my house and I needed some more urgent points, but it did not help me, it hurt me ; that was the only reason I paid the personal loans in advance and when they are paid they close automatically. 
They reported inquiries from companies all the time I never request any from them. 
I need you to help me to be fair with my record ; I do not owe much, on my house and my vehicle loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account XXXX : XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
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: Information belongs to someone else

Complaint:
This is my 6th complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-03-09
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681 ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agency which is Experian did not modify or removed anything. 

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on Experian Which is a violation. This is impacting me from moving forward to buying a house for my family and a vehicle I attach my previous credit report and my new credit report to show how Experian violated my rights.

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 2021-08-03
Company: EQUIFAX, INC.
State: NJ
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax has removed my XXXX XXXX account from my credit file I have called and written on several occasions still have not gotten any results. Equifax refers me to XXXX XXXX, XXXX XXXX refers me back to Equifax and states that they have reinstated my account that was removed in error they continue to report to all credit bureaus XXXX, XXXX  and Equifax, My account is shows on XXXX  and XXXX  Equifax seems to be the only agency that their is an issue with. I received this credit card account XX/XX/XXXX the account stop reporting to my Equifax file in XXXX of XXXX. My account is current and in good standing, But this has been a continuous problem for two years I pay bill for a credit card that does not reflect my credit file or score this not right.

Company response to consumer: Closed with explanation