BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: TX
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.

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 non-monetary relief
Consumer complaint received 2021-03-10
Company: VW Credit
State: WI
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:
Debt collection Attempts to collect debt not owed Collections is not from original creditor. I do not owe VW CREDIT INC and I do not have a contract assigned to VW CREDIT INC. VW CREDIT changed the credit report to act as if they are the original creditor and also hard inquiries. I've never knowingly entered into a contract with VW CREDIT INC and I've asked for the credit application which they refuse to provide also.

I have given VW CREDIT INC multiple notices XX/XX/2020 XXXX to remove this off of my credit to no avail. This matter is now being litigated. 

4. What product or service is your complaint about?

SERVICE I've requested VW CREDIT INC to provide me with proof of a bill of sale and the documents that are required per Wisconsin law and the refuse to provide them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 Balance : {$15000.00} XXXX XXXX  XXXX Balance : {$390.00} XXXX XXXX  XXXX Balance : {$390.00} XXXX XXXX XXXXXXXX Balance : {$390.00}

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 2023-01-03
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: 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 XXXX XXXX XXXX # XXXX, Account name : XXXX  XXXX XXXX XXXX XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : 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 non-monetary relief
Consumer complaint received 2023-01-14
Company: ONLINE Information Services, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/2022, I was contacted by XXXX about an outstanding debt due to XXXX XXXX for an account opened fraudulently in my name. The amount of the alleged account was {$110.00} for account number XXXX. I immediately filled out a form with the FTC noting my identity had been stolen to open up an energy account for property in Texas. I've never lived in Texas. I live in XXXX XXXX, Louisiana where I am a practicing XXXX  and own my XXXX. I printed out the affidavit and information from the FTC 's website and sent it to XXXX XXXX of XXXX XXXX. I followed the law and properly reported to all three credit bureaus the fraud and identity theft ( all done on XX/XX/2022 ). I spoke with the representative from XXXX and she told me that they reported the debt was unfounded to XXXX XXXX. Nonetheless, XXXX XXXX has now forwarded this illegal debt that I do not owe to another debt collector ( all in violation of Federal Law ), Online information services sent me another debt collection letter on XX/XX/2022 for the identical account. XXXX is now shopping credit collection agencies to collect against me a debt that was secured illegally in my name. All of my ties are to Louisiana. I have never lived in Texas and it is very clear that I would not have ever opened up this account for this apartment they claim. Any company that shops an alleged open account to credit collection agencies after determining that the account was illegally opened through identity theft should be fined. I encourage the CFPB to target XXXX XXXX for an investigation. Who knows how many other Americans are being targeted for accounts that XXXX should never have opened in the first place. Someone clearly impersonated me and there was obviously no checking of credentials or information before opening this fraudulent energy account. I now have to spend my valuable time fighting this fraudulent debt again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
Company: Colony Brands, Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Around XXXX & XXXX my credit report had invalid information which reported as Ginny 's XXXX XXXXXXXX XXXX XXXX WI XXXX stating I owed {$390.00} to which I did dispute with all three credit agencies and asked for verification, to which was never acknowledged by the credit agencies however remained on my report. I have made ongoing attempts to have this false information removed from my report. Ginny 's was removed after multiple disputes That this was not my debt. It has appeared on and off my credit report since XXXX. It showed XXXX removed this from my report XXXX, however this exact invalid information is currently showing on my credit report. I have no contract with Ginny 's therefore my personal private information was not to be provided. Ginny 's has violated my rights multiple times. The security of my personal information appears to not have the protection that it is supposed to have as stated under many laws. Ginny 's has placed false debt on my personal report hence the fact I disputed the invalid information on several occasions through the years. I ask that this false debt be removed from all 3 of the credit reports immediately or I'll further my complaint to Federal Government, as this is false information that has been randomly placed on my report which hinders my ability to have availability to potential credit offers or loans if needed. Ginny 's has defamed my character, trying to coerce me to pay a debt that is not mine ( Illegal Debt ) My credit report is getting handed to someone I have no contract with, nor did they have permission to have access to my private information. Please remove false debt Ginny 's, I have not given you or your employees permission to have my nonpublic personal information. You have infringed on my personal rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: TX
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.

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 2020-01-03
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX, I purchased an American Express Serve card from the XXXX XXXX, in XXXX, Michigan. The amount I put on the card was {$260.00} to pay my XXXX bill. The transaction went through but the money was never loaded on my card. I contacted American Express that following XX/XX/XXXX. Since then, American Express has been giving me the run around. I'm going through a lot of mental anguish trying to get this resolved. Worrying about my cable and internet getting shut off. I tried to be as patient as I could but it's come down to me contacting you. Thank you for the time and effort that you will put forth in helping me get this resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-14
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:
Please see attached all 3 bureaus inaccurate reporting. Fair Credit reporting Act allows me to have a right to accurate reporting. Please investigate the attached bureaus

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 2023-01-14
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This is in response to Barclays Bank complaint XXXX SUBMITTED ON XX/XX/2022, The card was issued to an imposter to an address I had not lived at for quite a few years ( I live XXXX miles from there ), I called the bank numerous times to get this cleared up ( with the Fraud Department XXXX XXXX the Bank closed XXXX Account and then reported to the Credit Bureaus that I was 30 days late, now the Bank has XXXX me as being XXXX XXXX past due, I don't owe this XXXX plus dollar charge

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 2021-03-09
Company: MONEY SOURCE, INC., THE
State: TX
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:
The Money Source has reported to the credit bureaus that I was 30 days late on my XX/XX/2020 Mortgage payment. I was not 30 days late on my XX/XX/2020 payment. The Money Source has even confirmed this information. However, The Money Source has not contacted the credit bureaus to correct the error as this is the most efficient way to fix the error and get in compliance with the FCRA. My XX/XX/2020 payment is showing 30 days late on both my XXXX  and XXXX  report. This needs to be updated as on time ASAP. This error in reporting is causing a delay in my new mortgage application. All The Money Source needs to do is contact XXXX and XXXX and update the XX/XX/2020 payment as on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
The most recent checking accounts that I've tried to open are unable to verify my identity. The credit bureau said the same thing when I applied for credit recently. The banks that I've tried were huntington, XXXX and XXXX. I keep getting revolving credit on my report and I have not recently filed bankruptcy. XXXX has cleared their report and have contacted them and noticed my check writing privileges hasn't yet been restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: CITIBANK, N.A.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Citi Bank has never sent me my bill with the proper discolure pursuant to the Card Act regarding the Minimum payment warnings : The CARD Act requires credit card companies to tell users 1 ) how long it will take to pay off their balance if they only make minimum payments and 2 ) how much they will have to pay each month to pay off their balance in 36 months. I'm not receiving my statement with the minimum payment disclosure pursuant to the Card Act. 

I'm very confused about the minimum payment regarding the attached statement and current balance.

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 2023-06-28
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-01-14
Company: Dave Operating, LLC
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I sent over {$40.00} to my Dave account for groceries. Instead of staying there, Dave took the money ( exactly {$40.00} ) and automatically applied it to my Advance Settlement. This was both an unauthorized transaction for a seekingly random amount of money, but also drew the money directly from my Dave Banking account instead of the connected account. It also took this amount off schedule from previous payments. 

Upon calling their help line at XXXX and informing them of the oversight, I was told Dave can not " reverse transactions. '' As I'm familiar with charging back transactions, I know this can not be true.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: Netspend Corporation
State: KY
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I called and asked if my money can be on my card and they said they won't do it I suppose to have XXXX cents on to my card and they keep having excuses.

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 2022-08-17
Company: EQUIFAX, INC.
State: TN
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:
XXXX XXXX XXXX MT XXXX XXXX XXXX TN XXXX EQUIFAX EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX XXXX RE : Social Security Number : XXXX and account reported from ONEMAIN XXXX account # [ XXXX ] ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND CERTIFICATE EACH EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: SLM CORPORATION
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My interest only payment plan ended without my knowledge, and my payments skyrocketed to an enormous amount. I only make so much money, and this is getting ridiculous. The employee I spoke to also took issue with me taking his information to apply to this complaint, which means they do not know how to handle criticism either. 
Name : XXXX XXXX number : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: SC
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 several attempt that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX Balance : {$83000.00}, XXXX  XXXX XXXX XX/XX/2022

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 2023-06-08
Company: EQUIFAX, INC.
State: SC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief