BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-02
Company: Experian Information Solutions Inc.
State: NY
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 consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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 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 2023-11-13
Company: Maximus Education, LLC dba Aidvantage
State: SC
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:
I reached out to XXXX the original debt collector they couldnt find the account nor had any information to assist

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2022-07-09
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX Date : XX/XX/2022 Dear, Experian I just received my investigation results. Report XXXX : XXXX And saw account were verified. However, I have a few question : how do you complete your investigation? Did you talk to my neighbors, friends, family? If so, please inform me of the person who completed the investigation. One more thing, I was reading FCRA and noticed you violated these laws as well : 15 USC1681 ( a ) ( 4 ) 15 USC1681 ( e ) 15 USC1681 ( a ) ( 2 ) 15 USC1681 ( 5 ) ( A ) I, XXXX 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. 




Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Delete this account immediately, unless you want to be held {$1000.00} per violation Sincerely, 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 explanation
Consumer complaint received 2022-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TRANSUNION credit reporting agency and fraud dept has refused to remove inaccurate, erroneous and unlawful information from my credit file. i have sent in numerous goverment identity theft forms and have disputed with fraud team. after months of not responding TRANSUNION has said that these debts which are FRAUDULENT have been verified as accurate. TRANSUNION has violated my privacy rights TRANSUNION DID NOT investigate this nor did they verify with me thru verbal or writing that this information could be posted to my credit file. i did not grant TRANSUNION permission to add these items to credit file. TRANSUNION has violated my rights and has been ignoring my constant requests. The goverment law binding forms ive sent in have been overlooked and not acknowleged as legal documents.

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 2020-09-27
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2023-03-02
Company: American First Finance, 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: Account information incorrect

Complaint:
My credit score decreased by XXXX points because they reported that my account balance increased by {$1.00} from {$1100.00} to {$1100.00}. I have never missed a payment and they take it out of my checking account automatically so there is no way that it could increase by {$1.00}. Even if it did ( which it didn't ) for XXXX to decrease my credit score by XXXX points is incorrect. I have worked very hard to get my credit increased and I keep a check it daily to see if any changes. I do not want this error to ruin my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
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: Their investigation did not fix an error on your report

Complaint:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your 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 explanation
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 submitting this complaint in order to verify this account that is erroneously reported in my file. The account must be investigated in my file to prevent further damage to my scores, also I sent the necessary documents to FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform XXXX XXXXXXXX XXXX XXXX Balance 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 non-monetary relief
Consumer complaint received 2023-01-16
Company: Mercedes Benz Financial Services
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XXXX XXXX I visited Mercedes of XXXX test drove a Mercedes i made a offer to extend my credit and didn't receive what i wanted. i was violated as a consumer. I used my credit card which is what congress defined as one. My card was accessed and i received no benefits. I was discriminated against according to the equal credit opportunity act. I acted in good faith. when asked for my information back the finance manager XXXX refused to give me my information and that i needed to put down a down payment to get the automobile which is not true when you are financing the automobile. I signed the documents with a special signature. All i wanted was to purchase a car, another internet financial manager told me the way i wanted to do the process is wrong and he had been doing this ( selling cars ) for 25 years. I didn't receive a car or my documents this is not how credit transactions supposed to go!!! I was knowingly and willfully giving false information and that is honest business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
see attached I have been contacting these companies since XXXX of XXXX, notifying them I am a victim of identity theft. I have sent proof of identity along with an identity theft affidavit yet these fraudulent accounts remain on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
This complaint is in regards to Chase closing my credit account for my Chase Sapphire Preferred card on XX/XX/2020. 

When the pandemic hit, it became more difficult to make regular on time payments. I am a full-time XXXX worker, and unfortunately was exposed on 4 separate occasions to XXXX positive patients. This left me unable to work for a total of XXXX  hours, with no source of additional income. In my state, healthcare employers are not required to pay employees for hours missed in the event of an exposure. 

I was able to close out a retirement account from a previous job to obtain the funds needed to pay off some past due bills. On XX/XX/XXXX I posted a payment of {$2500.00}. This payment was declined and kicked back to my checking account. By XX/XX/XXXX the payment was resubmitted and my account was immediately closed. I was completely unaware that Chase offered " pandemic assistance. '' This was something I did not inquire about, but it was never offered to me. Had I known about it, I would have been able to work something out! 

I spoke with so many representatives on so many occasions, each with there own versions of how I can get help, and which other numbers to call. I had an over the phone meeting with a banker from a branch in my state. I had even offered to pay off the account just to keep it open, and that was not an option that particular representative permitted. I was told by several that my account should be reinstated, and heard from others that it was closed due to the bounced back payment of {$2500.00}. Ultimately, I had no straight answers, and there was nothing that could be done about my account being closed. 

I then tried applying for the pandemic assistance even though my account was closed. I am unable to apply since I am no longer an account holder. I am still getting charged late fees for late payments. 

I understand that this is the first global pandemic that we have all experienced, and that everyone is operating under stress with ever-changing rules and policies. I really made every effort to correct my account with Chase, and I feel as though I was not given every option available to make these corrections. Chase opted to close my {$5000.00} credit line, which is an incredibly small amount of debt in comparison to the size of the company. I am a single mother, working full time. This {$5000.00} credit was my lifeline. Due to the financial hardships exacerbated by the pandemic, my credit it no longer at an acceptable level to apply for a new line of credit. Chase closed my last available option, despite every possible way I pleaded for any option that would keep the account open.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: EQUIFAX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 2020-09-26
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This account was open XX/XX/2019 This account was reported collection orig creditor : medical {$67.00} I have no contact information I would like to know what services I had to accrue this amount of {$67.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
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 XXXX XXXX # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company 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 2022-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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 go to a dealer for buy q car and they make a lot of hard inquires 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 2023-11-18
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i was have received multiple letters and emails regarding a collection that has violated my rights and do not owe. I am not liable for this debt to XXXX. I have no contract with XXXX XXXX XXXX. i have not given them my written authorization to furnish this on my credit report. i have written them explaining how they have violated my consumer right to privacy by furnishing this on my credit in accordance to 15 us c 1692c they need my express permission to furnish this on my credit. They not received any written or verbal authorization to furnish this on my credit. Also i have sent them a cease and desist letter demanding that the stop any and all forms of contact including on my credit report. In accordance with 15 us c 1692c as well. i have filed a complaint with the better business bureau in regards to this violation. If my rights continue to be violated i will have no choice but to pursue legal action seeking compensation for statutory damages. 

XXXX XXXX ( Original Creditor : XXXX XXXX  ) XX/XX/2023 XXXX

Company response to consumer: In progress
Consumer complaint received 2023-08-19
Company: BARCLAYS BANK DELAWARE
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for the XXXX XXXX XXXX XXXX Card back in XXXX or XX/XX/2023. I was originally sent a letter stating I needed to mail in front and back of my Drivers License, Social Security Card with signature and a current utility bill. The only option in the letter was to mail this information in. After spending money to buy an envelope and a stamp i sent the information in 2 weeks later. I received another email after asking for the same information again. There is no number contained on the letter to even call and talk to someone to understand why I would need to send the information back in. I XXXX  and found a number for a customer service department and was finally able to reach someone and was told my information was cut off and I would need to send it in again. I then asked if there was another method of delivery as I had already spent more money than expected buying a large envelope and stamps. I was provided a fax number as the only other option. Once I had access to a fax number I resent the information, probably 4 weeks after initial application. I had not heard a response and 2 weeks later I called in again and was told I needed to speak to someone in fraud department to clear the application. At no point did Barclay 's try to reach out to me to clear anything. I spent time on the phone where an associate called me on a separate line to ask me some security questions and clear my application. I was told that the application would be approved once another department finished clearing. I then waited another 2-3 weeks and called in again after not hearing anything about my application. I had to go through the fraud department calling me on a separate line again and me answering security questions. I was told my application was being approved and I would receive a card in the mail within 14 days. More than 2 weeks past and I had not received a card. I called in one final time and asked for a Manager. I was told they could not approve my application because it had been more than 90 days and my credit report had expired. This manager then offered me to apply again and told me they now have all of my documents on file. I then confirmed that would require pulling a new credit bureau report which could negatively impact my credit score for an error on their end. She did not offer any other alternatives other than going through the application process again.

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 2020-09-26
Company: HW Holding, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hunter Warfield Inc response didnt resolve the issue on verification of debt I supposedly owe, they stated a letter was sent out XX/XX/2029 for validation that I never received or had any knowledge of this debt and then 6 months later they stated they just reviewed records, which doesnt makes sense, I only seen knowledge of this alleged debt through their response from my complaint.

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