BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-17
Company: Experian Information Solutions Inc.
State: MS
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:
In accordance with the Fair Credit Reporting act. The list of account below have violated my federal protection consumer right to privacy and confidential under 15 USC 1681. XXXX  account # XXXXhas violated my rights XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX inquiry has Violated my rights XXXX XXXXXXXX XXXX bankruptcy  has violated my right 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 Its also stated consumer reporting agency without my written instruction

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 2019-01-23
Company: United Collection Service, Inc (FL)
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX XXXX and had an work related accident in 2016 and was transported to the hospital with XXXX XXXX XXXX. This was work related and all expenses was related to the workers comp. 
I had the office of XXXX XXXX handle the situation and had the workers comp paid all expenses. 
I try to explain the creditor United Collection Service Inc the situation and the have never remove same from the XXXX  report. 
You can verify this with the office of XXXX XXXX XXXX XXXX : Mr. XXXX XXXX Tel : XXXX office : XXXX Thank you and please correct this matter for me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Florida XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Self Financial Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting Act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I have requested XXXX, XXXX, and XXXX to reinvestigate these accounts : SELF/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts if it isn't reporting correctly.

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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
There were multiple fraud charges made on this account that was reported in time to Kohl 's Fraud team. They removed the charges, issued a new card. Then the charges came back to my account with no explanation on the resolution. I contacted them, they took the charges off temporarily, then months later they put them back on. This process went of for over a year and a half with no explanation on what they found. I finally was able to get a hold of someone, they stated why they state the charges where mine because they where shipped to my house. They never once told me that from the first fraud claim, so I could research this more. They just pushed it out so I couldn't retrieve any information from XXXX or whoever shipped the products to get proof of delivery. 

I never made or authorized these charges and want them removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: WELLS FARGO & COMPANY
State: TX
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:
Reference no : XXXX Wells Fargo is purposely reversing claims after the accounts have been closed and the issue was resolved. XXXX XXXX charged an annual fee for {$100.00} after my laptop had just been purchased after 2 weeks. This transaction occurred through my XXXX account. 

The claim was filed on XXXX. I am no longer affiliated with Wells Fargo. This is the second reversed claim that Ive received after leaving the bank. 

This bank should be investigated for its practices.

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 2022-04-17
Company: EQUIFAX, INC.
State: RI
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 listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1- XXXX XXXX XXXX XXXX Account # XXXX 2- XXXX XXXX XXXX Account XXXX XXXX Has violated my rights.

15 USC 1681 Section 602 A. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: SANTANDER HOLDINGS USA, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with fraud alerts or security freezes

Complaint:
I had a fraud on my debt card .In which I have spoken to the bank. The first time we spoke they said it looks like a mobile app service used your debt card to buy things ( over {$600.00} ). 
The bank made a fraud claim notice it wasn't me and denied my claim The bank is santander They didn't try to fix the problem. 
They told they denied the claim for insufficient reason. 
That the description didn't mention why or how they stole my information It's fraud who knows Santander is the worst bank

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 2023-07-10
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
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: Account information incorrect

Complaint:
I settled 6 separate accounts with XXXX XXXX. They did not remove the balance of these items nor did they update them to " settled in full ''. I disputed this with the three bureaus and all three have left the balances on the file. Since CFPB refers complaints about the way that companies report to the bureaus back to " credit bureau complaints '', I am filing it the way you asked. 

The account numbers are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX This is a violation of my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I had been told by credit card company this would come off my credit report with all credit bureaus and will no longer be on my closed accounts. 

XXXX  XXXX XX/XX/XXXX closed XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: OpenRoad Lending
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I follow my credit report on XXXX XXXX I decided to get a better interest rate online through open road lending. They tried the old bait switch on me. In XXXX XXXX  it said underneath my name that I could go through there and get alone at 13.6 % interest for 60 months for XXXX a month. When I went to finish the loan it went up 2 points and took it out to 72 months which was absolutely absurd. XXXX XXXX from Open road try to trick me into get an XXXX at 72 months. Numbers appear to be coming from open road to XXXX XXXX  This XXXX tried to say to me that's she specifically went over the numbers with me on the phone which I didn't hear them. She tried to make me feel stupid by stating over and over again she went over these numbers. 
On XXXX XXXX it specifically said I could recieve XXXX. Then she kept pressuring me to take the XXXX at 72 months, were my loan already has paid 22 months off. People should be aware of their shaddy business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Radius Global Solutions LLC
State: TX
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:
Company is posting collections on debt not owed. Company never tried to reach out or even verified the information was true. Identity cards and social security cards have been stolen in the past so extra XXXX XXXX XXXX XXXX. Reached out to company to dispute and company refused dispute

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 2018-09-14
Company: Ad Astra Recovery Services Inc
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AD ASTRA Recovery Services refuses to delete an account that is not mine, I have disputed the account on numerous occasions asking for a deletion. AD ASTRA sent me a letter showing a signature that is not mine. I also filed a compliant before and AD ASTRA advised me to place a fraud alert on my credit reports which I did before connecting the company regarding this issue. it was multiple accounts on my credit report that I had to dispute being that it wasn't my accounts and had no issues getting the items removed. They are still illegally reporting the fraudulent account despite me asking them to delete it from my credit report. This is against the FCRA laws. The law is very clear as to the civil liability and the remedy available to me ( section 616 and 617 ) if AD ASTRA fail to comply with the federal law I will be forced to take further action. I am a litigation consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
This letter is to request the removal of the fraud alert on my personal credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: EQUIFAX, INC.
State: NY
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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. 
Hard Inquiry Name XXXX XXXX XXXX Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C.

1681 ET SEQ. Section 604 of Fair Credit Reporting Act Once you have fulfilled my request, mail me an updated credit report reflecting these changes.

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 2021-08-19
Company: ID Analytics, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I tried to get a Loan with XXXX of XXXX. They told me I was approved the whole time till I went to do the final paperwork then they wanted to jack the down payment up XXXX after running my credit 5 separate times already. The are using some company called sage stream which Ive never heard of and I complained about that in office asking for the supervisor to come explain what I was seeing on their computers and why there was a disconnect in my credit, my personal info, and the appearance and issues with the car that DID not match what the picture displayed. He acted as if he didnt even work there and could not provide me any detail to why I was having problems with them. Complete lack of experience to be a supervisor and not even know your own company. Ive had multiple credit issues since then, Ive had multiple fraudulent charges on my card I used there with them and Ive even went back to them in person and called multiple times over the phone and they couldnt provide me any updates. Ive left my contact info to be contacted back by someone in upper management and have yet to get a single call. This has been an ongoing issue for over 4 months now and Im fed up and ready to sue them now. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: MOHELA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I spoke to Mohela about my loans and they told me I had to re-submit an XXXX. This information is inaccurate because my XXXX  confirmation is not until XX/XX/XXXX. Now, I have to make payment on income on XXXX taxes which was inflated due to unemployment I received in XXXX. I will not afford the cost based XXXX that income from 2 years ago. I need help removing my recent XXXX  income submission. Thank you,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-02
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
hiding a collection under exceptional payment history to deceive me ... ... ... ... ... 

proof will be in the attachment XXXX XXXX XXXX {$3100.00} Balance updated XX/XX/2020 XXXX late payments unfair practices

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 2022-04-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I need you to investigate the following account Account # XXXX Account Name : XXXX XXXX I request you provide me with proof of this alleged payment being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( XXXX  ). 
Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported Once you have finished your investigations, send me an updated credit report to the address stated above, 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 explanation
Consumer complaint received 2022-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I need you to investigate the following account Account # XXXX Account Name : XXXX XXXX I request you provide me with proof of this alleged payment being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( XXXX ). 
Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported Once you have finished your investigations, send me an updated credit report to the address stated above, 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
Consumer complaint received 2021-02-04
Company: P&B Capital Group, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
P & B is contacting me currently with very vague threats intentionally to intimidate me into settling a debt. I received a text from XXXX that states exactly " XXXX XXXX today 's status change to your account has directionally intensified. To rectify call P & B today. XXXX file # XXXX Stop to Stop '' I do believe that it's been completely clear for a very long time that this is unethical and therefore an illegal practice to use to attempt to collect a debt. I feel that I should report it to help others that they may be using illegal and threatening collection tactics against.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: EQUIFAX, INC.
State: FL
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 had filed XXXX XXXX bankruptcy and voluntarily dismiss, i contacted the Middle District Bankruptcy Court about these XXXX  XXXX being on my credit report, i was told by the court, they do not provide information, the credit bureau does that. 
I have did a number of disputes with all 3 credit bureau with no success, These XXXX  XXXX bankruptcy falls under the Covid-19 Bankruptcy Relief Extension Act and should be removed as a matter of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Several letters were sent to XXXX XXXX XXXX for validation of account beginning in XX/XX/2018. The company sent a summary of account from the previous creditor but the items required for validation per law were never sent. After sending the second letter, XXXX stated they were uncertain of what the dispute was and asked for a written explanation and documentation regarding the dispute. As of today, I'm still receiving phone calls regarding this account and have yet to receive validation.

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 2022-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I checked my credit report and i noticed inquires on my credit report that die snot need to be on my credit report. I don't recognize the inquires and I never gave permission for anyone to preview or check my report on Transunion. These inquires are unauthorized and according to the FCRA these inquires should not be on my credit profile if i did not give consent and I never gave consent ( 15 U.S.C 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) ) These inquires do not have my permission to be on my report ( 15 U.S.C. 1681b ( a ) ( 2 ) ) and my rights to privacy has been VIOLATED ....

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