BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-12
Company: Experian Information Solutions Inc.
State: VA
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 be advised that XXXX XXXX XXXX  ACCT # XXXX or ACCT # XXXX is attempting to collect on an expired debt. I am invoking my right to cease them, based on factual law that this debt in question is legally expired under the Statute of Limitations and Must be Deleted from my credit report the last date of activity was XX/XX/2017 I am completely aware of how long the debt is legally collectible and how long it is legally reportable. I realize an OPEN-ENDED DEBT is allowed to be reported to my credit for 3 years in the state of Virginia according to Va. Code Ann. 8.01228 et. seq. My research has shown me that often a collection agency and original creditors will reset the date of the original charge off to the date they purchased or sold it, thus trying to extend the reporting time in an attempt to force a consumer into paying it. I am informing you of this knowledge so that you can make the credit bureaus do the right thing. 

Also, this account is showing 2 different kinds of account number based on the credit report. Acct # XXXX and 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 2023-07-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I co-signed for a loan for my fianc. I pay the loan monthly through autopay. For 18 months this loan was not on my credit. In XXXX they added it. Only for the balance to be incorrect. And all of my previous payment history not reported. They are reporting that I owe more than Ive paid. Payoff quote as of XX/XX/23 is {$46000.00}. Outstanding Principle balance is {$46000.00}. They are reporting that I owe {$48000.00}. I would like the correct amount reported and updated on my credit reports.

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 2017-11-27
Company: Navient Solutions, LLC.
State: KY
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 submitted all of the required documents to have my income based student loan to be processed, and then I was told that the person who helped me had made a mistake. And, that I needed to submit more documents because the documents that I had submitted had expired. The process that the company has sent me through is mentally draining. The employees are incompetent and full of wrong and misleading information. My loans are constantly in forbearance because of the rigorous process it takes to recertify my income based loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On or about XX/XX/2023. XXXX XXXX fraudulently placed a Collection Account on my credit reports for XXXX TRANSUNION and XXXX. The collection agency is reporting the debt on behalf of a storage company titled " XXXX XXXX ''. Per its credit reporting of the alleged debt. However, I do not have an account with XXXX XXXX. I did not authorize this account. I do not have a business relationship with this entity. XXXX XXXX did not report to XXXX any previous payment history, monthly payment amount, and only reported that the account is a Collection Account, with no other verifying data provided. XXXX XXXX has never contacted me by mail, phone or otherwise to inform me of the alleged debt. I do not have a XXXX XXXX with XXXX XXXX. I do not owe a debt to XXXX XXXX or XXXX XXXX. XXXX XXXX nor XXXX XXXX has never placed a inquiry of any on my credit reports. XXXX XXXX knowingly and intentionally placed a Collection Account on my credit reports without verifying if the debt was valid or authorized. Further, XXXX XXXX failed to report accurate information by not including data that is necessary to validate a debt. XXXX XXXX has clearly placed another individuals account on my credit reports. Which has directly caused me undue hardship. XXXX immediately removed this fraudulent account from my credit reports. I request that TRANSUNION and XXXX adhere to consumer law concerning not placing inaccurate information on my credit report that are not in good faith verified and authentic.

Company response to consumer: In progress
Consumer complaint received 2023-11-18
Company: Collection Management Holdings, LLC
State: FL
Product: Credit reporting 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:
THIS WILL BE THE THIRD REQUEST FOR XXXX TO REMOVE THE FOLLOWING UNAUTHORIZED INQUIRIES. THE PREVIOUS ATTEMPTS EXCEEDED 30-DAYS BEFORE RECEIVING A RESPONSE, WHICH VIOLATES MY RIGHTS UNDER FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: EQUIFAX, INC.
State: IL
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 have contacted all Three Major Credit Bureaus XXXX, XXXX  and Equifax to dispute anincorrect hard inquiry on my credit report. I have requested them to provide me a verified letter for the XXXX XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX. 
I never authorized this company to run my credit report. I have contacted the credit bureaus by filing a dispute and requested to send me all correct information to me. I have not received any information back from anyone. This is illegal and I am forced to file a suit due to unresponsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received a letter from CFPB on XX/XX/XXXX, that you closed my complaint to protect my PRIVACY. I called Experian after I purchased a credit report from XXXX XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Addresses : XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX Accounts : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$570.00} Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX on my credit report which is UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was 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.

A copy of my Registration Certificate, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking these accounts is inadvertently resulting in me being extorted.

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 2023-10-01
Company: Experian Information Solutions Inc.
State: IN
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. I told the Experian, XXXX, and XXXX to reinvestigate this account : 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 that 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 metro 2 credit reporting. I have evidence to prove my case

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 2023-01-12
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:
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 : 1. Bank of America 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 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 XXXX Account # 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 Chapter 13 Bankruptcy I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2023-01-30
Company: Mercedes Benz Financial Services
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/22 and XX/XX/22 I went to the Mercedes Benz of XXXX XXXX XXXX  with a pre approval from XXXX XXXX XXXX. I informed the dealer of this, although they are a participating dealer they didnt seem to understand this however I think that this was a tactic to get me to apply through Mercedes Benz for a loan. I informed them I didnt want to apply for any other car loans as I already had a pre approval. The finance manager submitted my credit application to several car loan companies without my agreement. I specifically told him that I did not want to do this. I was under the impression that my credit application was only going to be submitted to XXXX XXXX. As a result I have a number of inquiries on my credit file. I would like for them all to be removed : Mercedes Benz Financial, XXXX XXXX XXXX XXXX and XXXX XXXX loan applications were submitted without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Is it that har for the Credit Bureaus to do their investigation and verify the information the report on my Credit File? The Credit Bureaus had become negligent of their duty and kept ignoring the letters I have been sending to them. The most recent letter I send to the Credit Bureuas was lsat XX/XX/2022, was already my sixth attempt to reach out to the Credit Bureaus, emphasizing the importance of the FCRA section 605b ( c ) ( 1 ) ( c ) Athority to Decline and Rescind. Once again, I have been a victim of Identity Theft and the Items I am disputing does not relate to any transction that I have made or Authorized, therefore, the Credit Bureaus have no right to decline my requests for the removal of the disputed items from my Credit report. If the Credit reporting insist that the items belong to me, I will require all documentation that bears my signature to prove that the alleged items are mine. The Credit Bureaus became lazy and did not comply with the FCRA regulation, thus their action have done negative impact on my Credit report. I have been submitting complaints regarding this matter and I am disputing the fraudulent items once again : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TXXXX XXXX XXXX MO XXXX XXXX XXXX  XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX Owed : {$35000.00} XXXX  XXXX XXXX Balance XXXX : {$2600.00}

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 non-monetary relief
Consumer complaint received 2022-07-12
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: Reporting company used your report improperly

Complaint:
I recently went to a car dealershiup and only authorized an inquiry for XXXX XXXX, however, the dealershiup ran my social across many companies and that has cause a dramatic decrease in my credit score and these inquiries were not authorized. 

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 2023-05-19
Company: EQUIFAX, INC.
State: IL
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 reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( Enter Account Name ) : ( Enter Account Number ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, Fair Resolution! 

Update the account to Paid on time and never late. Or remove it from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01
Company: Experian Information Solutions Inc.
State: GA
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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # xxxxx 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 an account without my written instructions

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 2023-05-03
Company: ALLY FINANCIAL INC.
State: AR
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:
ALLY BANK, XXXX XXXXXXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX HAVE VIOLATED THE UNITEDS STATES CODE. 
THESE ACCOUNTS NEED TO BE REMOVED IMMEDIATELY XXXX. XXXX XXXX REMOVE IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX.ALLY FINANCIAL XXXX XXXX XXXX 15 U.S. Code 1681e - Compliance procedures U.S. Code Notes prev | next ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. 

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 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 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