BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-08
Company: USA Service Finance LLC
State: AE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The company on the attached document violated the following laws. 

15 U.S.C. 1681 Section 602 A. States that I have the right to privacy in accordance to the law.

15 U.S.C. 1681 Section 604 A. States that a consumer can not furnish an account without my written instructions.

15 U.S.C. 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
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:
Transunion and XXXX is still reporting an account on my credit file my XXXX XXXX XXXX. If Transunion and XXXX review the response from XXXX XXXX XXXX from Consumer Financial protection bureau XXXX XXXX XXXX XXXX XXXXXXXX. Response was submitted by XXXX XXXX XXXX on XX/XX/2022 which states they dont own the account and according to the Fair Credit Report Act if you dont own the account you can not report any accounts the someones XXXX file. XXXX XXXX XXXX has not right to report this account. This is a serious and fraudulent account that you all are allowing XXXX XXXX XXXX to report. I have attached a copy of their response which states they are trying to collect on the behalf of someone else. Again XXXX XXXX XXXX does not own this account and legally they can not report it. So at this point XXXX and Transunion is liable as well.

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 2023-03-13
Company: V and H Portfolio
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX XXXX have contacted all credit bureaus disputing debt as this is not my debt and should be deleted from my credit reports. The company Vance and Huffman ( debt buyer ) is now illegally in an attempt to collect the debt by re-aging the debt reporting to the credit bureaus. This is not my debt ; this debt is fraudulent. 

XXXX XXXX XXXX XXXX XXXX  XXXX, Texas XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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 convergent account XXXX XXXX XXXX ACCOUNT NUMBER : XXXX has violated my rights. Ive sent many certified letters to the original creditor company mentioned above and the credit bureaus and they failed to provide me the copy or any such proof of their investigation results about my complaint. The TRANSUNION and XXXX Credit bureaus only sent me a letter stating that the account was verified with no attached documents or evidence from the original creditor reffering to this investigation. This XXXX XXXX XXXX is a closed account. It was paid in full and all the payments were on time. In stead of correcting it in my personal credit profile they keep reporting it with a bad remark as delinquent. I personally sent proof letter to the credit bureaus with all the information that they requested me to provide. But i personally believe that no one take the proper care for a good solution. Even do it is a closed account still affecting me the ability to moving foward with my life. I have been discriminated or im been ignore from my complaints. Because once i submit the complaint to the CFBP to verify the information they automatically delete the information to comply with the complaint. But as soon as you closed the investigation it automatically appears back to my credit report. Please take a deep look into my personal credit report to see what im stating here is the completly thruth.

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 2022-09-06
Company: Experian Information Solutions Inc.
State: CO
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 ), XXXX # XXXX ( Experian ), and XXXX  # XXXX ( XXXX ), as well as XXXX. DEPT OF EDUCATIONXXXX XXXX XXXXXXXX XXXX XXXXXXXX : XXXX. US BKPT CT CO XXXX Reference # XXXX XXXX. U.S. Bankruptcy Court Reference # XXXX XXXX. XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX / 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 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 explanation
Consumer complaint received 2022-10-16
Company: Experian Information Solutions Inc.
State: NC
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 confidentially under 15 USC 1681. 

XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX 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 an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) 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 or 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 2023-09-26
Company: Chime Financial Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order, traveler's check or cashier's check
Issue: Confusing or missing disclosures

Complaint:
My chime Account was closed XX/XX/2023 for note providing my documentation. I had provided my documents multiple times But I still have a unused balance on the Account {$8600.00} chime refuse to release my funds after I provided everything they have ask for. chime finally told me they have processed my funds of the Account XX/XX/2023 to be mailed to my address on file I havent received anything yet it been past 30 days. IM confused and stress because chime not telling me anything just telling me to email chime and chime keep sending the same email.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: American First Finance, Inc.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have been in contact with American First Finance regarding my account, which I have requested for them to send me an actual paper statement via USPS and I continue to be denied. I believe that since XX/XX/2021 until recent I have overpaid because I can no longer log into my online account and more importantly I have not received any statements in the mail.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-13
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Netspend card was used without mu permission in the amount of {$2600.00} and {$600.00}. I filed a police 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 2023-06-21
Company: WELLS FARGO & COMPANY
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:
I filed a dispute with XXXX  and a dispute with wells fargo, wells fargo furnished my credit report with a line of credit that belonged to someone else, wells fargo knew that the social security number was totally different from the social security number that belongs to my credit report. wells fargo denied the removal of the account for more than a year, I was accused of being the person who opened this wells fargo account, I sent wells fargo a copy of my social security card through the cfpb showing that the social was different, I was denied credit within the time of the wells fargo account that was being reported, I'm putting wells fargo on notice that I will be filing suit, for violating the fcra and furnishing my account with fraudulent information willfully, even after I disputed the information as being incorrect. I uploaded the documents from wells fargo accusing me of owing this debt,

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 2021-11-10
Company: EQUIFAX, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XX/XX/XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: EQUIFAX, INC.
State: VA
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:
this account XXXX XXXX XXXX XXXX  has been deleted but its still reporting on my credit report. this should not be reporting. this is a violation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: EQUIFAX, INC.
State: AK
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 Account Number : 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Experian Information Solutions 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 am a natural person, I am a living human being, I have rights under 15 USC 1681. Experian is govern by 15 USC 1681, and they violated my rights numerous of times. I demand the accounts listed below be removed. According to 15 USC 1681 : I have the right to privacy and i did not give Experian written permission to furnish these account. 
Account : XXXX XXXX Account XXXX : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX ) XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX Ive noticed unauthorized inquiries on my report XXXX someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. Also, My information might have been impacted by the XXXX data breach and may have got into the hands of the wrong person. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX,, TX XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Reported : 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 2019-06-28
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 have send numerous letters to experian, all letter go with : 1.-copy of credit report with highlighted errors 2.- Dispute letter indicating all errors and demand to remove them 3.-Proper Identification, copy of DL, Voters ID, SS card this has been going on for the past 8, months and still is a night mare to get them to remove them, they send letters saying i didn't send proper ID, which is a lie or simply refused to investigate and remove just recently as yesterday my score drop 40 points and a loans i was doing got deny, here are errors which they refused to removed : Personal Statement Statements Personal Statement ( s ) XX/XX/XXXX &  XX/XX/XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XX/XX/XXXX. ( i ask for this i send 2 letters and even call and ask to removed Inquires 1.-XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX 2.-XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX 3.-XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX these inquires were not authorized by me, they dont have a signature, i never requested any credit by any of 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 non-monetary relief
Consumer complaint received 2022-10-15
Company: EQUIFAX, INC.
State: OH
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: Was not notified of investigation status or results

Complaint:
On XXXX of XXXX I have attempted several times to contact XXXX, Equifax, and XXXX about violating my rights under the FCRA. I have listed the accounts below which is requesting to have them deleted from all three credit bureaus immediately i will also state the law which violated my consumer rights. 
XXXX XXXX Dept of EdXXXX  in the amount of XXXX account number XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX, XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XX/XX/XXXX 15 US, Code 6802 states a financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card, deposit account, or transaction account of a consumer to any nonaffilliated third party for use in telemarketing U.S.C 1681 section 602 A states i have the right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: Experian Information Solutions Inc.
State: CO
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:
Company : XXXX XXXX XXXX Mortgage ( XXXX  ) XXXX  XXXX XXXX Mortgage is maliciously and fraudulently reporting a 90 day on all three credit bureaus. I opened a mortgage in XXXX with XXXX and paid in in full in XXXX of XXXX. The account has been closed for nearly 6 years. My XXXX, XXXX, and XXXX  reports all show a 90 day late entry for XX/XX/XXXX. 

I have written several letters to XXXX and the Credit Bureaus disputing this 90 day entry. Letter correspondence was sent in XX/XX/XXXX, again 90 days later XX/XX/XXXX regarding this inaccuracy and no response was received. 

on XX/XX/XXXX I opened a complain with XXXX XXXX directly which has not been assigned to any one in the mortgage division to investigate. They told me it would be 10 more days before someone would be assigned. 

XXXX XXXX is in violation of the following sections and subsections of the Fair Credit Reporting Act. 
PART 1022FAIR CREDIT REPORTING ( REGULATION V ) Subpart EDuties of Furnishers of Information. XXXX Reasonable policies and procedures concerning the accuracy and integrity of furnished information. XXXX ( e ) Duty of furnisher after receiving a direct dispute notice. 
List of violations and reference to codes 1. Supplying information to a CRA that it knows XXXX or should know ) is inaccurate ( XXXX ) 2. Failure to conduct a reasonable investigation of a dispute ( XXXX ) 3. Failure to notify you when it supplies negative credit information to a CRA XXXX XXXX ) 4. Failure to notify you of your right to dispute inaccurate credit information ( XXXX ) 5. Failure to correct or delete any inaccurate, incomplete, or unverifiable information within 30 days XXXX or 45 days in some cases XXXX of receiving notice of your dispute ( XXXX ) These violations of the provisions of the FCRA, caused financial harm to me as it has caused denial of credit and higher interest rates. Attached is a copy of a summary report showing all three bureaus reporting the 90 days late in XXXX, and that the account was closed and paid in full in XXXX. There is also a note that shows the account was in dispute in the attachment and that the dispute was resolved by furnisher which further proves violation of Regulation V, E, 1022.42 and 1022.43

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 2023-07-04
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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I am entitled to complete and accurate credit history ; this is missing account information so please remove it. 

I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed. 

Respectfully, XXXX XXXX XXXX : XX/XX/1989 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, AR XXXX Resident type Single family XXXX XXXX XXXX XXXX, TN XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Resident type Apartment complex XXXX XXXX  XXXX XXXX XXXX, TN XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TN XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, AR XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX , TN XXXX Resident type Single family

Company response to consumer: Closed with explanation