BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-05
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see the assignment contract from the collection agency and creditor for the account listed below. 

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

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

ACCOUNT : XXXX XXXX XXXX XXXX : {$770.00}

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 2022-02-17
Company: EQUIFAX, 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I wanted to buy some furniture for my new apartment from IEKA. Oeople work there suggested me to apply for IEKA Projekt Credit Card due to its installment plans for up to 24 months with 0 % APR. then I applied for that Credit Card. I got it in 2 weeks. I am picky on applying for cards or loans do to my inquiry issues. That is why I decided to at least apply for this card and get the chanc to pay monthly, as costumer service in IKEA suggested. I did my ourchase on Saturday and cashier told me we can not do the instalment plan, we have no idea what it is?. Then, manager came and said ive never heard anything like this.! I called comenity bank on Sat, Sun, Mon, Tue. They tried to transfer me to payment section. After waiting for 20-45 mins, dropped out of the connection. Even a representative gave me 2 fake numbers ( see here XXXX XXXX XXXX XXXX ) None of the representatives talk proper enhlish, confused about how many XXXX in the number!!! I gave up today! That is why I wanted to open a complain in here! 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: EQUIFAX, INC.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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 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 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
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: Information is missing that should be on the report

Complaint:
I changed my name from XXXX XXXX to XXXX XXXX XXXX XXXX and it is still incorrectly reporting on my credit reports and I am try to purchase property and they can't do a background check on me because of these errors.

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 2021-10-22
Company: NIC, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I HAVE BEEN TRYING TO CHALLENGE THE REPORTING OF THIS ACCOUNT TO THE ONLY CREDIT BUREAUS REPORTS THIS TO VALIDATE THIS DEBT, IT'S BEEN 2 YEARS AND I AM STILL SUFFERING WITH THIS ACCOUNTS REPORTING. I HAVE SENT NEMO COLLECTION A DEBT VALIDATION ON XX/XX/2020 WHICH THEY REFUSED WI/ TRACKING # XXXX AGAIN SENT A MAIL WITH TRACKING # XXXX WHICH THEY REFUSED AGAIN. HOW CAN THEY KEEP REPORTING THIS ACCOUNT WITHOUT VALIDATING THIS DEBT THEY CLAIM I OWE. IN ADDITION TO THAT I HVAE PROOF OF MY CREDIT REPORT WITH RANDOM MONTHS THAT SHOWS BALANCE IS CHANGING. THIS IS A VIOLATION! PLEASE HELP ME REGARDING THIS ACCOUNT. I AM TIRED TI DEAL WITH THIS COMPANY. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: I.C. System, Inc.
State: TN
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This was open up on my credit report on as an collection XX/XX/XXXX  for XXXX from I C 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 2022-07-24
Company: World Acceptance Corporation
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:
I do not recognize having any agreement with WORLD FINANCE CORPORATION and i am not liable for these accounts, This alleged debt is not mine i never enterted into signed agreement or completed an original contract with WORLD FINANCE COPRORATION .This inaccurate collection NOT MINE.I never provided any written consent or premissible purpose for this allege creditor to report on my credit report XXXX Am THE ORIGINAL CREDITOR and THE ONLY ONE who can extend credit or permission to report to my consumer report.This is a violation of us code 1681b premissible purposes of consumer reports.Pursuant to 15 u.s. code 1681b ( a ) ( 2 ) -permissible purpose, of consumer reports. ( A ) in general subject to subsection ( c ) any consumer reporter agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with written instructions of the consumer to whom it relates.This is a violation and also identity theft! 15 U.S.C 1681 c-2 - block of information resulting from identity theft.You have no rights under the law to send me any type of communication immediately.further more you are attemping to collect an alleged debt where so called oringal creditor has falsely represent character other violations under 15 usc 1692 e that are implementing your self. Violation :15 usc 1692b ( 5 ) ,15 usc 1692 ( 2 ) ( A ) ,15 usc 1692e ( 3 ) ,15 usc 1692 ( 10 ) ,15 usc 1692 ( 11 ) if your office fails to respond to this validation requst within 10 days from the date of your receipt, all references to this account must be deleted and completly removed from my consumer report or attorney general will be contacted

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: Atlas Credit Company, 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:
I do not recognize having any agreement with ATLAS CREDIT COMPANY and i am not liable for these accounts, This alleged debt is not mine i never enterted into signed agreement or completed an original contract with ATLAS CREDIT COMPANY .This inaccurate collection NOT MINE.I never provided any written consent or premissible purpose for this allege creditor to report on my credit report .I Am THE ORIGINAL CREDITOR and THE ONLY ONE who can extend credit or permission to report to my consumer report.This is a violation of us code 1681b premissible purposes of consumer reports.Pursuant to 15 u.s. code 1681b ( a ) ( 2 ) -permissible purpose, of consumer reports. ( A ) in general subject to subsection ( c ) any consumer reporter agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with written instructions of the consumer to whom it relates.This is a violation and also identity theft! 15 U.S.C 1681 c-2 - block of information resulting from identity theft.You have no rights under the law to send me any type of communication immediately.further more you are attemping to collect an alleged debt where so called oringal creditor has falsely represent character other violations under 15 usc 1692 e that are implementing your self. Violation :15 usc 1692b ( 5 ) ,15 usc 1692 ( 2 ) ( A ) ,15 usc 1692e ( 3 ) ,15 usc 1692 ( 10 ) ,15 usc 1692 ( 11 ) if your office fails to respond to this validation requst within 10 days from the date of your receipt, all references to this account must be deleted and completly removed from my consumer report or attorney general will be contacted

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
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: Personal information incorrect

Complaint:
XXXX, XXXX, transunion and XXXX XXXX. 
I had a loan for this Vehicle XXXX XXXX XXXX XXXX XXXX back in XXXX during XXXX ; Impound Company call me and let in me know that this Vehicle has a Lien and is going to give back to the Lien holder XXXX XXXX  ; the value of this vehicle it was Over XXXX XXXX XXXX  never contacted me about they have the Vehicle ; according with the Law ; i i have the right to receive a letter giving me the opportunity to paid off.Never happens they just put in my credit as a charge off for the full amount {$99000.00} ; remember the value of this car was over XXXX XXXX to be exact ... .where is the paperwork showing they sold at the auction by law ....! please help me ..... 



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 2023-03-05
Company: Experian Information Solutions Inc.
State: MS
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-07-24
Company: EQUIFAX, INC.
State: PA
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 AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE, THE ITEMS I NEED TO DELETE ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THESE ITEMS FROM MY FILE TO CORRECT MY CREDIT REPORT. I ALSO REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION & ENCLOSED COPIES OF THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. HOWEVER, I REQUEST THAT YOU REMOVE THESE ITEMS IMMEDIATELY. OR I WILL GET MY ATTORNEY INVOLVED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
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: Investigation took more than 30 days

Complaint:
I have tried to dispute a late payment with the credit reporting agencies and have sent three letters into XXXX XXXX. XXXX XXXX does not respond. I have tried to call and they say I can not talk to anyone, I can only write another letter. This loan payment was never late as I was enrolled in school like my other loans XXXX XXXX owned show.

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 2023-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2023, there was an ATM withdrawal from my XXXX debit card account using my information! The problem is that I had my debit card in my wallet when this withdrawal was executed! I live in XXXX XXXX, Ca and the transaction was executed at a XXXX ATM in XXXX, Ca. 
I conveyed this information to the bank, and they denied my claim stating that upon investigation, the transaction was authorized by me or someone else that I gave them authorization to do so! 

I am appalled and insulted for this decision, as it is clear and obvious via my account history, that this transaction was not authorized and fraudulent! 

I asked to speak to a supervisor, and was hung up on by the customer service rep I spoke to... 

This is wrong and I depended on this money for bills. This was my unemployment benefits, and I would like for Bank of America EDD card operations to do the right thing and refund this unauthorized withdrawal... 

It was in the amount of {$120.00}, and was NOT authorized by ME... 

It was simply stolen from my account in a fraudulent manner ....

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 2022-07-24
Company: Continental Finance Company, LLC
State: MI
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 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 explanation
Consumer complaint received 2022-03-12
Company: Caliber Home Loans, Inc.
State: KS
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We purchased a home through Caliber Home Loans in XX/XX/2021. Since then we have been trying to contact Caliber Home Loans to set up our payment as bi-weekly. We have spoken to several people on the phone, often after waiting an average of 45 minutes. They all have told us a different thing. We've been asked four times now to submit the same paperwork yet we continually get told our attempt to enroll in their recurring automated payment system has been unsuccessful. We went with Caliber because we were told they were military friendly but when you can't get a straight answer and they have not been able to enroll us in the payment plan we have requested for four months now something seems off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: Experian Information Solutions Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX  XXXX  # XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 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 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 vears.

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 2022-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
My wife and I have had credit cards issued by XXXX, I have had my accounts and she has had hers. The one in question went into default and shows up as I am an authorized user, I have never had a card issued for that particular account, they sent a card without my wife 's consent, she never requested and has called them numerous times to get it resolved. XXXX and XXXX has since removed it from my credit reports but TransUnion refuses to remove it even though I have requested several times.

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 2020-06-17
Company: Experian Information Solutions Inc.
State: AR
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 went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report.

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 2019-06-27
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am very upset at how Carrington is forcing me to pay their attorney fee and court cost. Their attorney doesn't represent me so why should I have to pay their fee along with the court cost that they pay. Why do I have to pay them back! My first bankruptcy I didn't have to. But my second bankruptcy Carrington is trying to get all the money they can out of me! It was XXXX XXXX XXXX at first now Carrington is demanding that I pay their attorney fees! Carrington has the money to pay their own attorney! But instead, I have to add their attorney fees in my bankruptcy plan!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Hunt & Henriques
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I moved away from where I used to live. I had no idea that this bank was going to sue me. How was I suppose to defend myself if I never received a letter to appear in court. Now nearly 5-6 years of thinking I would get a call or letter from a debt collector to settle a deal with them not only do I not receive any information from the bank nor its collectors but I start getting a portion of my checks taken away. I am looking for advise on what I should do because I feel so blindsided by all of this.

Company response to consumer: Closed with explanation