BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This is my endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 {$4600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$860.00} 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 non-monetary relief
Consumer complaint received 2023-10-22
Company: Experian Information Solutions Inc.
State: CA
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:
I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. Account Name : XXXX XXXX Bank Account Number : XXXX 2.Account name : XXXX Account number : XXXX 3.Account name : XXXX XXXX XXXX XXXX Account number : 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 instructions Delete this account immediately, unless you want to be held {$1000.00} per violations.

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 2022-12-09
Company: CREDIT ACCEPTANCE CORPORATION
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 in regards to an auto loan thats currently reporting on all three credit reporting agencies, XXXX, XXXX, and XXXX, report. This account belongs to my father XXXX XXXX XXXX, and My mother ( co-signer ) XXXX XXXX XXXX. I have never signed, applied, and or co-signed for an auto loan with a credit acceptance corporation. 


This crossed reference of our personal information has caused me to be in a dire straits situation because both of use inhabitants in the same household and have the same name. Ive never relinquished my credit information, nor have Ive signed documents with credit acceptance corporation. 

Fax the letter, application, and copy of my driver 's license and the other 2 documents to the fax number that was given to me on XX/XX/2022 Mail documents to : Credit Acceptance Corporation Attn : Credit Reporting Department XXXX XXXX  XXXX XXXX, XXXX  XXXX Tracking number 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 2022-03-02
Company: EQUIFAX, 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:
On XX/XX/2021. XXXX, Equifax, and XXXX failed to produce an investigative report on XXXX XXXX accounts posted to my consumer report. It is a violation of my consumer credit rights to report on a debt I never validated. It is identity theft to transfer or allegedly transfer a taxpayer identification number without the authorization of the taxpayer to aid and abet a form of payment. It is tax fraud to not sent copies of 1099c and 1099 OID to the taxpayer by XX/XX/XXXX of the following year. It is a violation to assign say any consumer owes a debt and that any debt is seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department. That is a violation of 15 USC 1692e, no lawyer, no collection agency or allege credit grantor can act as a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
So I called citi bank in regards to application for the aadvantage platinum card to c if I can get the sign up bonus and they checked my account and they I am able to get it I applied for the card met the spending requirement and then they said no your not and we are sorry the agent informed you otherwise No 1 was willing to help me at all

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 2021-03-22
Company: WELLS FARGO & COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a 2015 auto loan from Wells Fargo. The loan was from Wells Fargo Dealer Services, but two years ago Wells Fargo did away with " dealer services '' and now I deal with Wells Fargo. TWO YEARS AGO they remade their website, and I have been unable to log in to my account. I can't make payments, see problems, or get any info about my car loan-I have to CALL their 800 number and it takes forever. I have filed several complaints, been on hold for HOURS at a time with their " support '' teams - all to no effect. Finally in XXXX of this year I was told that Wells Fargo accidently created two files on me, one with erroneous information, and that is the reason I can not have access to my account. They offered no fix. Just another " complaint with the president 's office '' that never gets resolved. My car has one year left on on this loan and I still can't have access to my account online. I can not go into a Wells Fargo branch and get service on my loan because I was told that I was a Dealer Services customer and the branches do not do any servicing on those loans. I am stuck out here in limbo, and have been charged fees because there was a problem with a payment, but I was unaware - and those late fees carried over for months until just recently they told me on the phone what was going on. I am so sick of these people, they are so inept, so incompetent! Their mistake affects my credit score, because I'm being reported as late on my loan when I wasn't aware that I was - and when I do make payments regularly I don't get credited for those because they report my information inaccurately. The first two years of my loan, they had my social security number wrong, and it took hours and hours on the phone to get them to correct it. I will never do business with Wells Fargo again, and their incompetence leads to negative reporting on my credit history. I would like them to make the corrections and be held accountable for their constant errors and inability to correct them.

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 2021-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
There are late payments and other accounts that are reported late and charged off that are not true.

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 2023-11-15
Company: DISCOVER BANK
State: LA
Product: Credit reporting 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:
Att : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX RE : Credit Reporting Act Violation Dear Discover Financial Service/ XXXX XXXX XXXX You/Your Company are in violation of the Credit Reporting Act 15 USC 1681 b for unlawfully obtaining my XXXX consumer report on the dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX without my authorization and permissible purpose under the FCRA, as a XXXX of you unlawfully obtaining my consumer report without my permission you are liable to me actual damage or statutory damage about up to {$1000.00} in punitive damages. Pursuant to 15 USC 1681n ( 1 ) ( B ). I am demanding {$1000.00} per violation. Pay me {$13000.00} and deliver it to my address above within the 14 days of receiving this demand. Please provide an Affidavit Certifying that Discover Financial Service did not breach any laws under the FCRA.

Thank you for your time and attention. 



Sincerely, The letter above was mailed on XX/XX/XXXX via USPS and was delivered on XX/XX/XXXX at XXXX XXXX. As of XX/XX/XXXX I have yet to receive a response from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

1

5 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 2023-05-05
Company: EQUIFAX, INC.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
Hi, I have data breach from Equifax for dates XXXX XXXX XXXX XXXX and extended period for out of pocket loss and time spent XXXX to XXXX. I supposed to receive a prepaid card for XXXX XXXX which i did however i have not receive for the out or pocket and time spent claim XXXX. Equifax have in their system that i received a prepaid card or payment i believe. It's alot of information they i have to fill out and upload however i completed information for me paying XXXXXXXX services for monitoring and time spent me checking my credit report, calling checking up inaccurate information and freezing my accounts. It's alot although i need to update my information for maybe XX/XX/XXXX and up until XXXX. I keep emailing equifax they isn't answering my email. I have put in several tickets asking them what should be doing in this case. They have that i received my payment already for what i did put for out of pocket and time spent but i didn't and for XXXX XXXX I only received a {$5.00} prepaid card by email. This alot of work and time consuming finding and uploading keeping track of time spent, I also just upgraded my XXXX  monitoring to {$39.00} to check my monitoring of my credit file and reports safe. Which i can't afford, I was paying {$14.00} a month or {$16.00} either way. I not getting them on the email and i spoke with someone by phone she didn't tell me much.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

( XXXX  XXXX : # XXXX ) 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 2023-04-10
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:
I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/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 2020-05-18
Company: EQUIFAX, 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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$4000.00} US DEPT ED XXXX {$8200.00} XXXX  XXXX {$390.00} U S DEPT OF EDXXXX XXXX {$560.00} XXXX XXXX {$2000.00} XXXX  XXXX {$1800.00} XXXX  XXXX {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-22
Company: Selip & Stylianou, LLP
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
1. My first request was On XX/XX/XXXX ( I requested from XXXX XXXX XXXX XXXX XXXX Mastercard/Etc. ), XX/XX/XXXX and on XX/XX/XXXX I requested from Selip & Stylianou , LLP and XXXX XXXX XXXX XXXX XXXX Mastercard/Etc. to provide me with a NOTARIZED AFFIDAVIT VERIFICATION & VALIDATION of Debt form ; to date I NEVER received it. All Selip & Stylianou , LLP keep sending me are statements with NO Charges from a credit card. That's NOT validation of debt! That is a violation. 
2. NEVER gave Selip & Stylianou LLP consent to contact me in any way ; they keep sending messengers to the address and those people are literally THROWING envelopes at my window. That is a violation.

3. Selip & Stylianou LLP have ruined my reputation. That is a violation.

4. Selip & Stylianou LLP are using false & misleading representations. That is a violation.

5. Selip & Stylianou LLP are attorneys ; a debt collector can not be an attorney nor can an attorney be a debt collector. That is a violation.

6. As a CONSUMER I have a right to request validation of a debt pursuant to 15 USC 1692g. I requested VALIDATION ; competent evidence of a legal obligation of the debt and/or a legal obligation to pay you which has NOT been received for over one year and you ( Selip & Stylianou LLP ) are still ruining my reputation and harassing me. 
7. One of them is calling all day and sending negative threats, court date papers, and statements in the mail. Thats NOT what was requested ; I requested VERIFICATION. BY THEM DOING OTHERWISE .... That is a violation.

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 2023-10-22
Company: Experian Information Solutions Inc.
State: MI
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:
In accordance with the Fair Credit Reporting act ; XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my right to privacy.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 accounts without my written instructions. Furthermore, these accounts is inaccurate and should be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Attn : ChexSystems and Consumer relations department Name : XXXX XXXX XXXX XXXX : XXXX Address:XXXX XXXX XXXXXXXX XXXX, XXXX, FL XXXX Consumer XXXX Between XXXX my information was wrongfully stolen, obtained, and used to fraudulently open, checking and savings accounts, multiple banking institutions, which I will provide as follows ; 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 
These banks are not allowing me to open up a bank account with them because I am in ChexSystems thanks to this person that stole my identity and I have made a police report and an identity theft report and I need these records removed or I will take legal action they have to be removed off of their systems and I need to be allowed to be able to open up a bank account so I can proceed as a regular citizen

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 2022-12-09
Company: Experian Information Solutions Inc.
State: CA
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: Problem getting your free annual credit report

Complaint:
Experian marked my credit score as unscorable when I actually have a long credit history. Dispute requests have been sent by mail ( tracking number XXXX ) to Experian in XX/XX/2022. Experian hasn't responded or taken any action to resolve the dispute for more than 30 days.

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