BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-19
Company: EQUIFAX, 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. 

Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account XXXX XXXX Account Name : XXXX XXXX XXXX Account Number XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2021-04-02
Company: General Motors Financial Company, 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: Account status incorrect

Complaint:
XXXX XX/XX/XXXX I spoke with GM Financial Customer Service and a customer service supervisor who was able to note my account and approve to reverse the late reporting for XX/XX/XXXX in XX/XX/XXXX this was a huge step as I have disputed this for over a year I was told this would be resolved in 45 days or less I was also told I would receive a letter in the mail showing the corrections. I have sent emails and called GM Financial to only find myself holding on the line for two or more hours and then get hung up on by customer service and collections. when requesting a supervisor I am told someone would call me back and that never happens furthermore when I call in for status no one knows what I'm talking about and I have to talk to 10 people for the tenth person to finally read the notes and see where it has been documented that my credit would be reversed. however I would need to wait yet another week or two and I have although this is a violation the Federal Credit Reporting Act. I have a statement from GM clearly showing XX/XX/XXXX was in deferment their records would also show this I'm not sure why this would be so complicated. I have also provided the XXXX statement showing that my payment was late but never 30 days late this information is their own records. If only someone would simply read what I am providing there is nothing hard about this discrepancy. GM responses received are redundant they simply remind me of my contract terms and list what they are currently reporting late which is incorrect this is bad Business this is bad record-keeping and when you report incorrectly to all 3 bureaus this can be devastating 2 a customers such as myself this is my final attempt The Next Step will be the Federal Trade Commission who implement Credit Reporting Act guidelines which are very clear additionally there should be no late reporting on my account XXXX are errors XXXX lates were due to XXXX. 
I'm simply asking in your response to provide me your Executives contact not your supervisor I think this is very important to have someone review how long I've endured these discrepancies in the lack of effort to correct them and shouldn't go to legal action the amount of cost for something so small

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I observed that I had a debt from a company Ive never used before in XX/XX/XXXX, for {$490.00} with XXXX XXXX. I called the company on XX/XX/XXXX and they told me that my name was used for an account but it had a different email on file than the one I gave them to check for an account. I have never lived or heard of the residence that this electric company has on file. They said they would need a police report sent to them to investigate. I sent the police report to them on XX/XX/XXXX in the email they provided. They never responded. I sent a formal letter to their email again on XX/XX/XXXX and filed the identity theft with IdentityTheft.org. I still have not heard back from the company. I resent the email today XX/XX/XXXX with the formal letter and police report. The debt has not been yet removed from my personal credit.

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 2023-07-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative.

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 2020-08-17
Company: UMB FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened an account with UMB Bank on XX/XX/XXXX and was approved after seeing a promotion they had for both a checking and savings account ( {$300.00} promotion for the former ; {$200.00} for the latter with the savings account promotion only requiring a deposit, nothing more ). The promotion was not geographically limited and I was accepted out of their footprint. On approximately XX/XX/XXXX, I was locked out of my account with no contact at all until XX/XX/XXXX when they called and left a voicemail. In an email I received that day, I was told I needed to submit documents proving who I was. The email address they told me to send the emails to bounced back as undelivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To whom it may concern I am communicating with you due to a debt that you are trying to collect and whose debt is not mine I was a victim of identity theft and I do not recognize that account as mine I have not asked or authorized to open that account in my name. Please open an investigation if necessary, due to those accounts opened without my authorization, I have contacted CFPB to help me solve this problem. 
XXXX  XXXX XXXX  {$6100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act this creditor has violated my right under 15 USC 1681 section 6 o 2 states I have right to privacy ( 15 USC 181 ( section 6 0 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. 

This is for my XXXX XXXX Account

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 2023-07-25
Company: Experian Information Solutions Inc.
State: LA
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:
Im accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, had 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 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS TRULIANTFCU Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, SC 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 2023-07-25
Company: Experian Information Solutions Inc.
State: CA
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 the several times I've complained about being a victim of identity theft. You must remove/block any account that 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. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX  XXXX. Please delete these accounts ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX prematurely reported a collection account to Experian, disregarding my request for validation, and prior to the initial collection letter sent to me.

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 2023-07-25
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:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-06-27
Company: Duvera Billing Services, LLC
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
XX/XX/XXXX my XXXXXXXX XXXXXXXX XXXX that I purchased less than a year prior to date, had to get the catalytic converter replaced. I went to my mechanics to get the services done. When he told me the new auto repair finance company they were using I had no choice but to go with it. Im a single mom with a XXXX and only work XXXX a week. Ive been consistent with paying my biweekly payments of {$90.00}. While making these payments I was waiting for a check from XXXX ( where I purchased my vehicle ) to help compensate half the cost to repair my car. I finally get the check ( XX/XX/XXXX ) and I got on the loan website and it says I owe {$1500.00} The total cost to repair my car was {$1400.00}. And Ive already paid them about {$540.00} since getting the repairs done. I look at the interest rate and its a rate of 148.98 %.. I called the company to see if there was anything they could do to help me and I basically got a big XXXX from them and told me that they make sure theyre very clear about all the terms to the loan and that included sharing the interest rate. Theres absolutely NO way I will EVER be able to get this loan paid off, and I felt like I had no choice but to finance with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Scratch Financial, Inc.
State: OR
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 Am a victim of XXXX XXXX XXXX, and I have provided all of the documents to provide proof of this and I would like XXXX XXXX  REMOVED FROM my credit report!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/2020, I sent Experian a letter asking them to remove incorrect personal information. I sent them a follow-up letter on XX/XX/2020 when Experian had made no changes to my report. Both letters included a copy of my driver 's license and social security card, but Experian has refused to remove incorrect information. It is over 90 days later and Experian is violating federal law willfully reporting incorrect information.

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 2022-04-04
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:
On my credit report there is a hard inquiry from XXXX XXXX XXXX. This hard inquiry is two years old and thus it should be deleted from my credit report. Delete XXXX XXXX XXXX hard inquiry from my credit report as it has passed the time of limitation for it to be on my credit report. 
Delete XXXX XXXX XXXX from my credit report immediately please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
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 is missing that should be on the report

Complaint:
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$3600.00} XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Balance {$240.00} XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$6000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX Balance {$2000.00} XXXX XXXX XXXX XX/XX/XXXX Balance {$12000.00} CXXXX XXXXXX/XX/XXXX Balance {$370.00} Inaccurate data and identity thief that should be removed from all three of my credit report Immediately.

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 2022-12-19
Company: NRA Group, LLC
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:
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 NATIONAL RECOVERY AGEN XXXX 15 USC 1681 section 602 ( a ) ( 4 ) - I have rights to privacy. 15 USC 1681 Section 604 ( a ) ( 2 ) - states that a consumer reporting agency can not furnish a credit report without written consent from the consumer. 15 USC 1681c ( a ) ( 5 ) - states that no consumer reporting agency may make any consumer report containing the following items of information ... Any other adverse information, other than records of conviction of crimes which antedates the report by more than 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 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 2019-10-10
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am sending this complaint over some accounts that I have on my credit file that need to be properly updated and removed from my credit report. Please delete/remove XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX. I have already filed a CFPB complaint against these companies and the account were not accurate or valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-17
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 status incorrect

Complaint:
Ever since the data breach in 2017, I have submitted SEVERAL disputes to Equifax for reporting erroneous information on my credit file. Accounts that have been paid and closed still reporting open three months later. Accounts that were in collections that were disputed as not mine and deleted are reported again. Accounts that are showing charged off when they are not but are in fact paid in full. Equifax has even listed my husband 's credit file as MINE and that took an act of congress to get it corrected! I call Equifax every month and no one will help me. There are HUNDREDS of inquiries on my credit file I did not authorize and I submit disputes and Equifax does not remove them. Equifax is THE WORST reporting agency out of the three. Consumers are at their mercy to get report information updated accurately. I submit disputes EVERY month to Equifax and have documentation showing PROOF items are paid in full or deleted but they will not accept them. They keep telling me I have to submit a dispute. Equifax 's mishandling of my credit file has cost me the ability to purchase a home. If a consumer has DOCUMENTED proof of accounts paid in full or items have been disputed with them and deleted, Equifax has a duty to accept these documents and make the corrections accordingly. They NEVER update credit files every month.

Company response to consumer: Closed with explanation