BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-17
Company: SANTANDER HOLDINGS USA, 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: Investigation took more than 30 days

Complaint:
I bought a car in XXXX because of separation because my ex XXXX he did not want to continue paying the car of which I stopped paying three months in XXXX and I knowing that I was not making the payment I took it off and what I did was take the responsibility of paying the car and from which I have been making the payments month by month and I am not late I want to buy

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian and XXXX have segregated me from ever making a credit dispute. I called Experian and XXXX regarding a collection ( XXXX ) and hard inquiries ( Experian ). They both flagged me, segregated me, and were advised by a representative that since I made a complaint to the Consumer Financial Protection Bureau, I have placed a " Troubled '' consumer. I get transferred to a specialized unit, but they won't handle my complaint or take them. I did get consent to record the first two representatives from Experian, however once transfer to the unit I was advised by the rep that I could not record them, they could only record me. XXXX would not let me record them and did not receive consent and they hung up on me. 

XXXXHas violated my rights to privacy Experian-Has violated my rights to privacy U.S. Code 1 681 section 602 A. states I have the right to privacy 15 U.S. Code 1681 section 604 A section 2- States a consumer reporting agency can not furnish an account without my written permission or instructions, which they have failed to produce and acknowledge. 15 U.S. Code 1681c ( a ) ( 5 ) 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. Code 1681s-2 ( A ) ( 1 ) -Duty of furnishers of information to provide accurate information, 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 2023-03-17
Company: MOHELA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Per requirements for PSLF program, I used the federal self help tool prior to XX/XX/2022. I have worked over combined 41 months for XXXX agencies, most of those months included payments to two separate loan providers, one payment each, until consolidating with MOHELA in fall 2022. MOHELA has finally processed my PSLF application and has listed only 1 of 119 qualifying payments. This is impossible. I have a credit score of XXXX. I would love some advocacy if possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX I contacted XXXX to ask for an XXXX XXXX XXXX, and it was approved. I received a letter that stated that it would take some time to show on my XXXX account, but that my qualifying loans would be {$33.00} starting at the end of XXXX. I tried multiple times to contact XXXX because I did not see it on my account online. Not only that, but I contacted them and asked for a forbearance to make sure that my account would not go past due. XXXX did not apply the forbearance on my account, and then they reported 90 days past due to all three credit bureaus. They reported that I was past due in the amount of {$710.00} which was not true. I have attached the letter that was sent to my online XXXX account. I spoke to XXXX XXXX XX/XX/XXXX after receiving notifications that my XXXX XXXX had dropped XXXX points due to XXXX adding a XXXX past due to my account. They told me that they would apply the forbearance and that they would dispute my account to the credit bureaus, but I never received confirmation. I was on the phone for over XXXX hours. They have ruined my XXXX XXXX and I need it fixed. I was in the process of a loan, and now I am not able to. 
I need this fixed. I did everything on my part and they did not! Not only that, but I contacted XXXX by email, chat, and phone calls, and nothing! I have been on hold for hours just to get hung up on. My credit score dropped thanks to them and I need it fixed. They ruined it and I have been super upset.

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 2023-03-17
Company: Experian Information Solutions Inc.
State: VA
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

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 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 non-monetary relief
Consumer complaint received 2023-04-12
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I've bought {$500.00} Vanilla gift card at XXXX store in XXXX XXXX on XX/XX/2022. The next day trying to set up the pin I've discovered it doesn't work. I called customer service, they said someone paid with it for some services. They said we have to start a dispute case, I've provided all my information to them and supposed to wait for dispute form to fill out in my email. After waiting for some time I called them again, but Vanilla gift card said they emailed the form to me. After third of fourth call I have received the form in my email on XX/XX/2022, I filled it out and emailed it back to them. I also mailed it to their address in XXXX, GA. Since then I still didn't get anything from Vanilla gift card. I called them several times, usual wait time on the phone is about XXXX hour. They keep telling me they didn't receive my dispute form, or they received it but it's under review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Experian Information Solutions 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:
I have ask Experian muti time to prove to me that these inquires on my consumer report that were from my alleged private transactions actions and account listed from XXXX XXXX XXXX were share with my consent I have a right to privacy an never gave verbal or written consent to any third party company to share my private transactions with anyone. They continue to report these items an not respond its their duty to report accurately and failed to do so. This my last warning of notice they have 5 calendar days to show me I gave verbal or written consent to share this accounts and that I am LEGALLY OBLIGATED TO PAY THIS ALLAGED ACCOUNT ABOVE! A SIMPLE VERFY IS NOT ACCEPTABLE constitute or appropriate legal nor lawful 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 non-monetary relief
Consumer complaint received 2023-03-17
Company: Frontline Asset Strategies, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a debt collection notice from Frontline Asset Strategies ( XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX ) reporting that I had a debt to XXXX XXXX a company I do not and have not ever had an account with. I responded to them in writing as requested informing them the debt was not mine, and in return received a letter with the " information your current creditor is able to provide you '' that was a poorly photocopied form asking for a copy of my driver 's license and SS # and zero evidence that I have an account with XXXX. I contacted XXXX directly and verified there is no record of an account in my name or address, so I believe this debt collection agency is a scam attempting to collect personally identifiable information and money by threatening debt collection when no such debt exists. I have also verified that my credit reports show no open XXXX  accounts or debt in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # 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 an 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 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I attempted to request my credit score and report from the three major credit bureaus. Two of them are very problematic in how they make the information available to the consumer.

Transunion- refuses to provide the credit score unless I pay for it. ( 1 ) They omit it from the credit report, and ( 2 ) provide a link to the CFRA which states that consumers may have to pay for a copy of a report related to mortgages, and they make the information appear as though it applies to all requests for credit reports, and ( 3 ) they provide an option to pay for my credit score and request my payment information but they never disclose up to this point how much they will charge for the score. In the small print on a subsequent page they say the fee is {$.00} which includes a 30-day credit monitoring subscription that renews at $ 30/mo. They also state in the small print that it's not a FICO score, and that the score that you are purchasing is not one that lenders use. So it is an elaborate ploy to mis-direct consumers into purchasing credit monitoring at a cost of almost $ 400/yr. 



XXXX - provides a visible credit score and report but it is impossible to print, download or save the report. It requires you to open multiple sections of the report separately, and save or print them separately. This is an unnecessary burden on consumers which has no valid basis or justification.

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 2023-06-26
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: Information belongs to someone else

Complaint:
TO WHOM IT MAY CONCERN, MY NAME IS XXXX XXXX, IM HAVING A PROBLEM XXXX XXXX XXXX XXXX BACK IN 2018 THEY PUT A 30 DAY LATE ON MY FILE THIS YEAR AND THEY WHERE PAID OFF, THEY SAID I OWED XXXX DOLLARS AND I DONT, AND THEY WILL NOT TAKE IT OFF. I CALLED ALL THREE CREDIT COMPANIES, AND THEY WILL NOT HELP ME. IM FIGHTING XXXX XXXX AND THIS IS VERY HARD ON ME. AND THERE ARE FRAUDULENT INQUIRIES AND A COLLECTION ON MY CREDIT FILE THE NAME IS XXXX XXXX XXXX IN THE AMOUNT OF XXXX AND I DONT KNOW WHAT THIS IS.ALSO XXXX XXXX XXXX XXXX XXXX I WILL ATTACH MY FTC REPORT WITH ALL OF THE INQUIRIES AND THE FRAUDULENT COLLECTIONS ACCOUNTS.

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 2023-03-17
Company: Experian Information Solutions Inc.
State: NY
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

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 2023-03-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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 XXXX Account # 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 a account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: NY
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 am a VICTIM of Identity Theft. I submitted a FRAUD CLAIM to the credit bureau ( s ) to have the items removed from my credit. report. After confirming the fraudulent charges with he companies, after the accounts were verified and CLOSED, However, EXPERIAN still reports the account ( s ) as open which causes a major impact on my credit report and scores. I sent Experian, XXXX and XXXX a copy of the FCRA - 15 U.S. Code 1681 ( c ) ( 1 ) ( a ) ( b ) ( I ) ( XXXX ), to have ALL the reported items removed IMMEDIATELY.

Company response to consumer: In progress
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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  has been reporting entries for 7 years and 10 months as of today XX/XX/XXXX without my KNOWLEDGE or CONSENT. I have requested them to provide me with the Original signed document bearing my, " XXXX XXXX '', signature as well as the date this was signed to and agreed upon, because to this day I have no recollection of giving my signature and consent. 8 years ago I was XXXX XXXX XXXX ; I could not have signed for such an account at such a young age. If they can not provide me with here said VERY SPECIFIC ORIGINAL SIGNED DOCUMENT BEARING SIGNATURE AND DATE OF SIGNING, than they must delete this account from my credit profile. 

XXXXXXXX XXXX Account Number : XXXX Open Balance : {$2400.00} Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Date of First Delinquency : XXXX, XXXX Last Reported : 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 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
There is information reporting to my credit that is fraudulent reporting on my Trans Union. I have set a dispute several times I have address the issues with the creditor and they told me that they were going to remove and send the information to the bureaus to update it and they have not to do so the information is not my information and its fraudulent and information should be removed as soon as possible. 
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 2023-04-12
Company: EQUIFAX, 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:
n accordance with the Fair Credit Reporting act 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 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was online goin though my consumer report as I was handling all my responsibilities and I noticed that I had some accounts that's on my report that is reporting incorrect and by the reporting agencies reporting this information it is hurting my ability to obtain credit and respectful move on from this situation The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I put my credit on freeze and realize it never was on freeze I was getting alerts asking did I apply with this creditor

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