BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-17
Company: Experian Information Solutions Inc.
State: OH
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:
On or about XX/XX/XXXX I woke up normal time ( XXXX ) and looked outside. My XXXX XXXX was gone. I called the police and reported it stolen. This was during the time the XXXX Boys were all over the news for stealing the XXXX and XXXX cars. I filed the next day, a claim with my insurance XXXX and also email my lender, XXXX XXXX. At this time my attorney told me to not to pay on the car as it was stolen and that XXXX will be able to pay it off. I also had XXXX XXXX as well for coverage. By XXXX XXXX notified me that XXXX XXXX did not get back to them. I continued to email XXXX XXXX with no success. I also sent letters to XXXX XXXX asking them to please get ahold of XXXX. XXXX let me know the rental car I was using would expire by XX/XX/XXXX so I went to XXXX XXXX and purchased a new XXXX XXXX XXXX. My credit report was pulled and I was approved by XXXX for a new car loan. I drove the new car home on XX/XX/XXXX. Everything was great! Then on XX/XX/XXXX, on XXXX XXXX in XXXX, I was hit by a XXXX and the new car was destroyed. The insurance for the individual XXXX told me to go to XXXX for a rental car until the claim was paid for the car. I did. The rental car was good until XXXX as XXXX decided to only allow so many weeks. I went to borrow a car from a friend and used it until XX/XX/XXXX when it broke down. I was able to secure another car from a friend temporary. Why the delay? I have been dealing with health problems because of the accident. 
On XX/XX/XXXX I applied for a car/loan again with XXXX XXXX XXXX The sales person called me back and said Why is there a repo on your credit report? I told him no that car was stolen. He said the payoff looks like {$2500.00}. I said NO I had one year left and owed {$4800.00}. He said that is not what XXXX XXXX is showing. I email XXXX XXXX and AGAIN, they refuse to answer. 
I called my attorney and he said facts are simple : If they did repo the car, why did not my credit report show it back the end of XXXX? Second, I was NOT given the right to cure the alleged default. Third, I was not given the right to retrieve my personal belongings. If this is true, my rights were definitely violated. 
It is so hard now to get a loan. I hope no one else has to deal with this situation. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Experian Information Solutions Inc.
State: SC
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. 

XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-06-03
Company: Experian Information Solutions Inc.
State: PA
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:
In regard to my previous CFPB complaint XXXX beginning with acct # XXXX, I exercised my God given right to cease all communication about this alleged debt. I am refusing to pay this alleged debt ( see attachment ). You stated that the account was secured with collateral using saving from my Credit Builder account. I am aware that federal reserve notes are the United States form of currency but it is not money. And legally you can not pay debt with debt notes. According to HJR 192 of 1933 this act removed the ability to of the public to pay debt with lawful money. This made it illegal to demand lawful money for the payment of debt. I am going to need all payments returned in a check or money order to my place of abode immediately. If not you will be violating 15 U.S. Code 1692h. You stated that statements were uploaded to the account. Statement does not clarify this billing error. A validation of debt is requested and I will need this within 5 days of this complaint. ( See Attached ). You stated in the response that I need to contact the credit agencies directly for their specific reporting guidelines and that the information has been reported correctly and can not removed from my credit report. I am aware that a financial institution may not disclose non public information to non affiliated third-parties. Also since I was never given an option to opt out of such reporting this is my written consent to opt of credit reporting for account beginning with XXXX. Also I never gave consent of reporting this alleged debt, which is known as debt parking. If my instructions to opt out of credit reporting for this account can not be honored, I will need a statement on your company 's letter head signed under penalty of perjury stating why it can not. I am also aware that making any false, fictious, or fraudulent statement or representation to a customer of a financial institution such as reporting inaccurate information is a direct violation of U.S. Code 6821 ( a ) ( 2 ). I am also aware that whoever violates 15. U.S. Code 6821 such as false, fictious, or fraudulent statement or representation to a customer of a financial institution will be liable under 15. U.S. Code 6823 ( a ) to fines under title 18 U.S. Code 3751 with fines up to 500,000 for a felony by an organization.

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: GA
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:
My consumer credit report is updating incorrectly in violation of 15 U.S.C. 1681g. I dispute the collections account that appears on my credit report, in the amount of {$20000.00} ( or recently increased amount ), where XXXX XXXX XXXX XXXX is listed as the original creditor, and XXXX XXXX is listed as the creditor. 1 ) Statute violation : FCRA Section 623 ( a ) ( 1 ) ( A ). I am contesting the accuracy of all data being reported regarding this information and requesting that you remove the account from my credit report immediately. 2 ) Statute violation : FDCPA Section 809 ( a ). Verification of the late payments for collections can't be provided when my consumer credit report doesn't reflect the accurate history and payment history. I request these late payments for collections be deleted from my credit report as they are incorrect and unjustly damaging my credit score. This is an immediate demand that all inaccuracies being reported on my consumer credit reports must be deleted.

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 2022-06-03
Company: KEYCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2022 I deposited {$400.00} in Key Bank atm so I could pay my rent. The ATM took my cash and the screen said to contact the bank the next business day because it couldnt process my deposit. I called the XXXX number immediately. My rent is due on the XXXX, no exception. When I went in the bank the next morning, they were rude and told me I had to wait 3-10 business days. Now I have an eviction notice on my door. 
The bank is giving no help as to when my money will be available. And its already been days with no communication. And this is the 3rd time this has happened

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: CCS Financial Services, Inc.
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello my name is XXXX XXXX and Ive been attempting to try and resolve this matter with CREDIT COLLECTION SERVICES. Please read the following notice thoroughly and carefully before responding. It is a notice. It informs you. It means what it says. For these reasons it is recommended that you carefully consider this notice and respond in substance, which means actually addressing the points raised herein.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Bread Financial Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Hello I have been having hard time trying to fix my credit with forever 21 and XXXX ever since the pandemic. i have been answering multiple calls and giving them an answer when i can do the payments. they are being really rude and forcing me to give them a payment that same day even though i told them I don't have the money and has even told me to give them my bank information to take out the payment monthly when AGAIN i have told them i don't have the money. They have also reach out to my mom asking about me even though I spoke to them already. Then I noticed the bank account that XXXX credit collection was scheduled to a payment, but they took a payment that was not authorized. I have called constantly to speak to agents and ALL agencies were very disrespectful and would hang up on me. I spoke to the manager, and she was also being rude and then a week later i received my money back but they still constantly call me being rude when i have clearly told them i have no money to do the payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05
Company: RIA FINANCIAL
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
At the XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. The customer service manager ( XXXX ) has repeatedly, and deliberately submitted the incorrect 10 digit XXXX XXXX Transfer number, in an attempt to block and cause an immediate block and flag on the process of obtaining funds from senders. I have been receiving money transfers for over two years here in XXXX XXXX, and am unable to pick up money sent to me by the sender at this location only. When I contacted XXXX XXXX, they explained to me that. If the 10 digit number is entered incorrectly, it will automatically create a red flag, and receiving the transfer is voided at all XXXX XXXX XXXX. ( XXXX ) The Customer Service Manager, has entered the 10 digit transfer number incorrectly 3 months consecutively. XXXX, XXXX, XXXX, XX/XX/2023 and again XX/XX/2023. I have made several attempts at meeting with XXXX XXXX the store manager, but ( XXXX ) and several other members of the XXXX team has made it impossible for me to meet with her. Give one excuse after the other. I personally believe after further investigation on XX/XX/2023 that ( XXXX ) is deliberately deactivating XXXX XXXX transfers by entering in the incorrect numbers, which will result in the inability to receive funds by all XXXX American Customers or specifically ME!! an XXXX  XXXX. This is a clear case of discrimination and is not fair to the XXXX and XXXX consumers in this community. The process of getting the XXXX XXXX account reactivated is a lengthy stressful situation that could be avoided by entering in the correct number. Being promoted to Customer Service Manager comes with a certain level of accuracy and attention to detail. That is why I'm certain she would not be in a position of leadership with the level of mistakes made and are being made over a period of 3 months. This is not a mistake but a pattern of discrimination against XXXX XXXX customers at this location. The full scale of discrimination is not just XXXX  people but XXXX as a whole, which is sad to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: Patenaude & Felix A Professional Corporation
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I paid a debt in full to the law offices of Patenaude & Felix on XX/XX/XXXX The case was dismissed on XX/XX/XXXX. OnXX/XX/XXXX a process sever went to my fathers house to server a summons. The process sever was told that I live in XXXX. The process server returned 2 days later and again my father told him i live in XXXX. The process server left the summons on the porch. this is 3 weeks after the case was dismissed The process server violated my privacy by leaving the summons with my father at his address in XXXX. The process server made no attempt to contact me by phone or at my home in XXXX. After I picked up the summons from my father XXXX miles away in XXXX I called the process server. I asked why am i receiving this when the case was dismissed 3 weeks ago He said that He only received the paperwork about a week ago. This would have been after the case was dismissed. This legal firm and process sever caused my father a great amount off stress becase he did not know why there was a lawsuit for 5 days. It caused me 5 days of anxiety and stress of sending 7 emails to XXXX XXXX before responded to my email. XXXX XXXX has placed 100 % of the blame on the process server. To me it does not matter who is to blame, the process server, the law firm or XXXX XXXX. someone need to pay for violating my rights, for serving a summons for lawsuit that was dismissed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: Kriya Capital, LLC
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:
Requested an itemized bill due to company telling me the balance was high due to me owning on a phone. Although I never purchased a phone with the company. I only got phone service from the company. I never purchased a phone. Attempts to request an itemized bill was never given after multiple calls and visits to this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX, XXXX ACCOUNT XXXX XXXX, XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX XXXX XXXXXXXX XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXXXXXX XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT XXXX XXXXXXXX XXXX ACCOUNT # XXXX, UNKNOWN ACCOUNT # XXXX, XXXX XXXXXXXX XXXX ACCOUNT # XXXX, XXXXXXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX  XXXX ACCOUNT # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On XXXX XXXX I received an email notification from my XXXX XXXX  account stating that a hard inquiry was processed on my credit through the Transunion credit bureau. The credit check was requested by XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. Phone : XXXX. Someone has applied for credit using my social security number, ect. I am not sure at this time how my personal information has leaked. Also at this time, I am only able to see that a hard inquiry was done on my credit report. I am not able to see any new credit cards or open accounts as a result of this hard credit inquiry at this time. At this time, I am unsure if my married or maiden name was used to open an account and run the credit check. I have contacted XXXX XXXX through phone and e-mail. When contacted by phone, they said that they were sending my complaint to their fraud department. I just recently e-mailed the fraud department as a follow up and still waiting a response. In order to resolve this issue, I would like for the Credit Bureau to erase the inaccurate hard credit inquiry on my credit report. Thank you for your time.

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 2023-09-26
Company: Experian Information Solutions Inc.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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 2023-04-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Please try to fix ny credit score. I see a lot of unauthorized charges in my account done by my late wife passed away XXXX  years ago .and inquires that I never authorized

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 2022-06-03
Company: Experian Information Solutions Inc.
State: IN
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:
Hello, My name Is XXXX XXXX and I am filing a complaint against XXXX for committing identity theft & Fraud. I have never given XXXX permission to use any of my identifying information. They continue to ignore my correspondence. 

According to the FCRA, in order for to furnish the alleged US BANKRUPTCY COURT XXXX would need to be able to both VALIDATE and VERIFY the information with original creditor. US IN Bankruptcy Court has also assured me it is not within their policies or obligation to validate any public records via Mail please see attached documents. 

Also Refer to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ) and I DID NOT give XXXX neither direct nor indirect permission to furnish my information. 

If this documentary evidence can not be produced of how my information was verified & validated. I will file for litigation for actual damages caused and XXXX will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. I will also be filing a complaint with the FTC. Your prompt attention and response are both requested and required.

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 2022-03-03
Company: Nelnet, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Too whom it may concern, i am submitting this complaint on my own with no third party involved. Firstmark Services continue to call my phone to collect a debt that's a result of Identity theft. I have sent Firstmark a FTC report, police report, and affidavit and they have yet to remove this account from my credit report. I'm asking Firstmark Services to SWEAR UNDER PENALTY OF PERJURY they were there when I " Allegedly '' obtain the goods and services. Also, i want to send notice to cease all contact with me or anyone else except the creditor about this claimed debt. Accordingly, under 15 U.S.C. Sec. 1692c, this is my formal notice to you to cease all further communications with me. If you must contact me, please do so in writing and not by telephone. Also, I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my WET signature. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely FRAUDULENT and as such represents a very serious error in your reporting. Please delete this misleading information.

Company response to consumer: Closed with explanation