BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-31
Company: Experian Information Solutions Inc.
State: NJ
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, 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 2022-10-19
Company: I.C. System, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX did not remove this debt off my credit report. I filed a previous compliant and the company verified that they could not vaildate the debt and it should be removed from all credit report agencies. As it stands currently, this has not been communicated to XXXX to remove

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 2022-10-19
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Ive tried to pay off a loan with Credit Acceptance Corporation and these people at their company keep giving me different amounts needed to pay off my loan. I spoke to XXXX at Credit Acceptance today and asked him why their company told me I owed XXXX which I paid yesterday online and now I go to their website and not only are they stating I owe XXXX but its also showing a balance of XXXX. So XXXX is stating that I only owe XXXX to pay the entire balance in the loan but thats not what the system stated yesterday. So not only are they giving me different amount every day that Im paying them Im getting charged transaction fees because they are not giving me correct amounts to pay off this loan. This company needs serious auditing because what they are doing is scamming consumer!!!

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 2022-10-31
Company: Experian Information Solutions Inc.
State: NY
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Experian had completed nothing to correct my Credit Report and eliminate the Fraudulent Information totally from my Credit File. I have disputed this account and submitted complaints over and over again for how many months already but Experian Credit Bureau is not frightened to break the Federal law thus they took to be slothful and abandoned my appeals. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the XXXX XXXX  XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please delete the account below : 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 explanation
Consumer complaint received 2019-12-10
Company: CITIBANK, N.A.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
some body stole my information and opened credit card at home depot. He/She had been using that account since XXXX 2019 with the charge {$3300.00}. The clerk supposed to check customer ID when they purchase large amount with credit card. However, they skipped the step and let the thief sign the signature even not my signature for a few times. One week ago, the Home Depot company sent a notices mail that the problem has already investigated so I closed my account immediately to avoid trouble. However, I got another mail today from Home Depot about they could raise up the interest of the balance if I would not pay in full. I have tried to re-contact Home Depot but they had no idea and they asked me to wait for during the investigation time. is it any way or what i can do to solve my problem?

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 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 XXXXXXXX, Account name : # XXXX XXXX ( Finance ), Account name : # XXXX XXXX XXXX, Account name : # XXXX XXXX XXXX ( Bank ) Account name : # XXXX XXXX XXXX ( Bank ), 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 2022-10-31
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: Investigation took more than 30 days

Complaint:
I have submitted all required documents that indicating it was mistake regarding my late credit card payment report, but Experian intentionally delay processing my request and refused to make change == those documents includes : Letter from credit card company Legal letter from my lawyer most updated credit card statement

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 2023-06-24
Company: EQUIFAX, INC.
State: OH
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on 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 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 2019-04-15
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: Information belongs to someone else

Complaint:
It is obvious that you dont have any proof on file to verify that these accounts belong on my file. When we go to litigation you will be required to produce the documents you used to verify these items through the discovery process and since you dont have any documents in your files verifying that these items are valid then that will be proof that you did not properly verify the accounts and they will have to be deleted and Ill be entitled to damages.

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 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
XXXX XXXX XXXXXXXX XXXX 48 Months length of loan Account charged off. {$7.00}, XXXX written off. {$7.00}, XXXX past due as of XX/XX/2022. Date opened : XX/XX/2022 Balance Updated : XX/XX/2022 This is an inaccurate credit reporting that I don't recognize. I filed a dispute with XXXX, XXXX, and TransUnion. But for whatever reason it remained on my credit report. They haven't provided any information on how exactly they verified the debt.

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 2022-10-19
Company: Caliber Home Loans, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX and XXXX  to Caliber Home Loans , Inc. re undated newly produced XXXX to her Promissory Note. 
On XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX sent XXXX her non-endorced Note and two standing alone XXXX 
XXXX XXXX  was dated XX/XX/XXXX, allegedly from XXXX XXXX XXXX to Caliber Home Loans, Inc ( Caliber ) prepared allegedly by XXXX XXXX XXXX XXXX. 
XXXX XXXX ( which appeared for first time from XXXX ) is undated, and prepared allegedly by Caliberss post closing XXXX XXXX XXXX. 
According to this XXXX, the payee is Caliber while other parties demand payments from XXXX acting under glimpse of XXXX. 
XXXX demands disclosures and verification. 
Caliber must state when this XXXX was created and provide the actual date and office location where this XXXX was created. 
Caliber must disclose the full name of the Seller of Loan XXXX, when and where this Loan was sold, who was the buyer and proof of payment of this loan such as copies of wire transfer receipt, ACH or cancelled check. Please state names of each individuals for the seller and buyer who were involved in this transaction. 
Please disclose if this loan was recorded as an asset on Calibers books and records after this purchase and provide me copies of these records ledger of account receivable where my Note is recorded as an asset. 
Please confirm that Caliber is the current owner of my alleged obligation ; and warrantees of this ownership from an authorized individual officer of Caliber. 
Please provide the name of custodian of my original Note and the place where this Note and my Mortgage are currently located. 
Please make sure that all responses are wet-ink signed by an officer who is responsible for Calibers accounting or bookkeeping. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have positive accounts that are not being reported and I have been continuously trying to get them to correct my scores but they are all reporting a negative and low score. I have information showing that my score should be in the 700 's with my continued success of PAYING MY BILLS, I am starting to think that this is all a scam and feel as though I as well as many other American citizens can not believe in this system. I also feel as though this would be a very good topic to start spreading on stoical media as well as a Podcast to answer the American peoples questions regarding their credit. I know several individuals whos credit is very much worse than mine but they all have a better credit score even with all the negative on their reports. that is why I feel it is important for me to get this information out. I do expect for the CFPB to have all 3 credit reporting buraus to correct my score and bring it up to where i know it should be. I have also had XXXX report to me one score but then report another to a financial institution. All 3 were reporting payments not made when payments have been made. Only one has fixed that issue. I have reported incorrect information on my reports to all 3 reporting agencies, they will correct it but then go right back to reporting the incorrect information again with the new quarter. I do not feel as though I can trust that accurate information is being reported or feel that this is ever going to be resolved.

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 2022-03-06
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Navient is calling me and my mother who is the co signer on my private student loans. They call all hours of the day and sometimes pst XXXX or XXXX. They call more then 20 times a day sometimes. I am having problems paying each month my payments are XXXX a month and I can not afford that with all my living expenses. I have explained this and they said there is nothing they can do. My mother is on a fixed income and is XXXX XXXX XXXX. They harass her and call so much. If I can get her off the loan I would. They also ask her to pay and tell her if I dont pay they can take away her house. I asked them Politely not to call her so much and they said they have to but that much. They also call me that many times in a row sometimes too all hours of the day and night sometimes after XXXX pm. I would pay if I could but I cant afford it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed an inaccurate 90 day late on my credit report. I provided XXXX  monthsXXXX XXXX months prior to disputed date and XXXX months after, worth of bank statements that all show the AUTOPAY, XXXX payment was made on time every time yet they creditor, Office of attorney general, continues to validate the non payment even tho I have proof otherwise. The credit bureau will not provide me with documents creditor used to uphold the dispute as I believe they are required by federal law to do. And why does this third party take the word of creditor over visual evidence to the contrary??

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 2023-11-16
Company: WELLS FARGO & COMPANY
State: CA
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:
I hope this letter finds you well. I am writing to formally request the removal of late payments from my accounts. I understand the importance of accurate credit reporting and am reaching out to seek your assistance in rectifying the information associated with my account. I understand that your policies and procedures must be followed, and I am prepared to provide any necessary documentation or information to support my request. If there is a formal process for disputing or requesting the removal of late payments, please guide me on the steps required. WELLS FARGO CARD SERVICES XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or WELLS FARGO CARD SERVICES XXXX customer service representative.

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 2020-07-30
Company: NAVY FEDERAL CREDIT UNION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My card wallet was stolen and had personal account information in it somebody took that information and tried to XXXX for a loan with it and also went to XXXX  and bought gift cards with my money then logged in to my navy federal and filed a fraud claim causing navy federal to withdraw money from my account and I did not approve any of this. Later the police found my wallet and my paper with my personal information was gone I filed a claim with navy federal twice and was denied both times

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
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: Information belongs to someone else

Complaint:
I called the 3 credit Bureaus after I purchased a credit report in XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report hich are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXXXX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX, XXXX VA, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. all have credit inquires in which I have no knowledge of and didnt approve of them looking into my credit. I have tried to contact the companies but havent gotten anything helpful out of getting this resolved.

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 2023-01-18
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: Their investigation did not fix an error on your report

Complaint:
I have tried numerous times to remove a XXXX XXXX account from my credit report as it has been move than 7 years since the last payment. Through months of trying only XXXX has removed the account. Until date I have had no success with XXXX or Experian to remove this account. I have even sent mailed letter well over 60 days ago and have never received any response back. Any help to remove this account from my credit report will be greatly appreciated. Thank you

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